Silly,

I am sorry to hear that.

Generally there are 3 important points to remember when we buy medical card (my insurance agent taught me that):-

1. The coverage MUST NOT be itemised
2. It must be guaranteed renewable
3. It mustn't require payment up front when you check into the hospital like your case

You may want to check with your policy against the above 3 points, especially on point 3. Your policy might require you to pay and claim later.

Take care...