For medical insurance few questions u need to clearified as below:-
1. Room rates - what kind of room rate you prefer and also you would need to know what's the current room rate for your preferable private hospital and their fluctuation.
2. Dont look at the lifetime limit as your first priority. Make sure you understand that the annual limits play an important roles in it. Imagine someone admitted in hospital, they cant think that they have high lifetime limits to rescue them cause some of the insurance companys only pay as your annual limit.
3. make sure you check out the price for the age of 80, 90 or 100 as this you need to pay while you still on earth.
4. Make sure is renewable.
5. make sure no investment links or endowment unless u r capable of, cos it might bring down your medical coverage and bring up your premium if u insist on your medical card.

This is very simple to answer.
Just turn your medical card and check the telephone number on the back.
These are the number of the hospital admission agency number.
Different insurance company contracted admission service to this kind of company.

So basically admission to hospital is their service, nothing to do with agents. That's why medical protection got card and not life, 36CI or PA.

Insurance company will pay a sum to this company yearly to provide admission service for you.
As my exploration so far only SOS and AA.

FYI, these company will pay or refuse to pay for the hospitalisation cost first, then claim it from your insurance company.
When your coverage too small, they will inform hospital and hospital will ask you to pay first. Most of the time when insured person requested to put deposit, first thing they do is to call their agents...then agents will ask them pay first and assist to reimburse but mostly failed to..end up telling media insurance company cheat and promised yourself never buy insurance again.

Back to the card, if the number is toll free, then it take longer time.
If the number is not toll free, means it's direct line. Then take shorter time.
Not many insurance company pay for the package of direct line.

These agency also verify the hospital bills before claim. If their found the charges far too much from the rate, they may refuse to pay that particular item,

There are some insurance companies don't engage such service, then you will have a lot more problems compared to those who engaged.

This agency also cover your international emergency evacuation service. Some insurance company only get rm 100k per case and some pay usd 1 mil per case.

Sorry for the long sharing

It will be much more easy that you know your coverage limits because you can ask them to admit you first and let them slow slow doing the correspondence.

There are some issue have to depends how experience the hospital handling it.

Because admission agency will request the in charge doctor to provide a report include cost for them. Sometimes the doctor out for lunch or busy. It is always advice prearrange.

Oya... Doctor visitation do have a limits. Some insurance company only allow claim 1 visit per day and some twice a day.

Let's say if your policy mentioned only can visit twice a day but the doctor visited you 4 times a day. Then the extra 2 times you have to bare it.

So it is better to understand well as most agents being cursed or blame due to lack of knowledge. How good their service also ain't help, if without knowledge.