christep
Not entirely accurate. If your doctor doesn't practice at a public hospital then you will have to pay the costs of the hospital he does work at. A friend of mine had 12hrs notice of his wife needing an operation. He was told she could not fly. He was told he could have it done at the Adventist or at Matilda. He found out a few weeks later that his CX medical policy covered less than half of the actual cost.
So if you want it to cost $100HK you will need to insist on going to a public hospital and not having your doctor do it!