I have never believe in any part of the insurance selling which basically say that a medical card will get you admitted into a private hospital.

The most tangible entrance fees for admission that a private hospital look to is credit-card or cold hard cash. Insurance medical card really is second rated.

Besides, I heard that it is common practice that private hospital bump up the charges when they deal with insurance claim vs a cash paying customer. This could also draw down the insurance claim limit faster than necessary.

TS, in your case, you could always pay first for the private hospital, and claim back later. If you have beyond reasonable doubt that it is not an existing pre-condition, GE cannot deny you your claim down the road. You could always decide on cancelling the insurance AFTER the claim if GE did not serve your needs and expectation.