If thats the case, wouldn't take long for hospitals to go bankrupt. Do expensive procedures, let customers take home expensive medication. Later insurance tak mau cover and customer MIA how?

Policies/standards in a different country are not exactly relevant to what TS is asking, is it? His experience isn't an isolated case here in Malaysia.

My company is covered by HealthMetrics. Last year I went to a panel, they prescribed some medication. Took and left as usual. The next time I went, the clinic informed me that Healthmetrics left a note under my account, stating some of the medication previously given was not covered. I think the amount was about RM100-ish. Since the amount was relatively small, I just paid.

But if the amount was big, I probably would have insisted that the clinic take responsibility for it.