PC will go off what your doctor has written.. its as simple as that.
Depending on what cover you have will determine if u get paid out or not..
In Thailand I'm guessing the doctor has said 1 thing to you and has put something else in the report.... At the end the insurance company will go of the doctors report rather than you jumping up and down trying to explain it to them...
definitely no walks in.. you will be stopped at the gate.. security will ask to see your appointment.. No Appointment No Access... (even to talk with them) Hence why I went to Hanoi.. walk in service. As I was missing a document and had to make another appointment...