You shall be required to

• Settle the difference, if any, if your bill exceeds the designated insurance amount
• Pay for all non-medical expenses as your policy will not cover them.
• Check all the bills and prescriptions for any medicine that is billed but not administered to you.
• Note the total amount of the bill for your records for future purpose 
• Submit all the medical documents including the lab reports, claim forms, discharge summary and final bill to the hospital before being discharged. 

The hospital, then, submits all necessary documents to TPA. TPA processes the bill on the basis of eligibility and actual cost. TPA makes the claim payment to the hospital and / or patient (as per the policy terms and actual cost). You shall, then, be refunded the deposit amount of Rs 10,000 with deduction if any.

What if the cost for treatment exceeds the approved sum?

Generally the TPA only approves a part of the expenses of the treatment and only after the hospital sends the final bill along with the discharge summary and other reports does it approve the entire amount.

Sometimes the hospitals will request the TPA to increase the amount approved if needed during the treatment.