actually i work in an insurance company. but not ING. as in my comp., medical is accepted regardless d hospital the client went wo. in a claim under medical card, wat happened was:

1. when a client admitted to hosp. he will present the card.
2. hosp alliances will then receive the claim.
3. then immediately, claim assessor will assess d case to see whether they reject or accept the case.

i dont think for medical certain insurance comp will select certain hospital onli. panel clinic usually is for the underwriting purpose. however, i'm not sure bout ING. but as i heard fr ppl same line (insurance), claim assessor in ING is very straight. thus, to make a claim in ING is a bit hard.

~ soli if i offend any1...tis is base on wat i knoe~