Guys, im having a problem whereby i don't who to be blame rite now?

on the 26 Oct, im having a health problem, which  is chest pain n cold sweating during sleep, so the next morning my wife suggest go to hospital to get a treatment/checkup.

so i went to ampang puteri hospital emergency, first the brought me to ECG (to check heart rate), after that i met the cardiology specialist, n during checking the doctor still dont know the cause

of chest pain, and mention to me to go through all test. so i say ok n give my medical card which is under MCIS Zurich n according to the doctor i need to stay in hospital (warded) upon checking)

n i have run all test including blood test, glucose test, CTA scanner, treadmils, xray etc.

so all went normally n i stay for 3 days 2 night at the hospital. and the result was ormal, nothing wrong with my chech.

during my discharge, total charge is around 4.5k++,  n what was shocked is the insurance did not cover all the expenses, the reason is i was normal.nothing wrong with my bodies and asked me to pay all.

and im saying why i gonna pay? thats why i take medical card, to cover all the expenses. n according to the hospital, the insurance did not cover because im ok after the test!

what im not satisfied here?during the first procedure/registration normally, the hospital must call the insurance company for the checking whter can claim or not. but why after run all the test, the told me not cover

and still now, i just run back still not paid anything.im gonna report this to tribunal.

i need a solution/pendapt from u guys, what can i do now. 4.5k??i can pay , but not easily just give the money.