Well as i heard if ur holding ING or AIA and u got admitted u still have to pay deposit upfront b4 get admitted... Yes it means u pay all the expenses of ur medical and then claim back from ur insurance company..
But not all the companies practicing that..
Like Prudential with their PruLink policy n Great Eastern are for more better.

I was admitted to the hospital..but my the company i work for bear all the charges.. and i am a Prudential PruLink Policy Holder.I informed my agent that i was admitted and also told him that my company will pay for the medical.. but still he came n visited me n see the doctor to get the reports.. 1 week after that he handed me over a cheque.
I asked why is that ??
He said even im still entitle for my hospitalization.. according to my policy
Which Room - RM200 / day
Surgery - Up to rm 7k claim / unit( depends where is the surgery) ( i got 3 units)
so i was admitted for 4 days and surgery for dialysis
wow i still have some cash for spend.. hehe