Has Premium Credit Card Medical Emergency Coverage Changed (not coronavirus related)

[mpk]

I've read quite a few posts here on CC where a premium credit card has paid someone's medical evacuation bills.  Most notable is someone who had a heart ailment while traveling.  Medical transportation back home racked up a $275,000 bill that was covered by American Express Platinum.

 

I have been taking a look a medical emergency coverage from premium credit cards.  I might be missing something, but how does Amex Plat cover the whole thing, it looks to be capped at 100k.  Or maybe coverage has become worse recently.

 

 

 

 

American Express Platinum seems capped at 100k:

You can rely on medical or legal assistance when you’re traveling away from home. Travel with added peace of mind and benefit from coverages: 

up to US$100,000 for emergency medical transportation 
up to US$20,000 for emergency medical services
up to US$1,000 for emergency dental treatment
up to US$1,000 for prescription expense

https://www.americanexpress.com/idc/en/benefits/the-platinum-card/platinum-insurance.html

 

 

My premium Chase Ritz Carlton card looks the same:
Emergency Evacuation & Transportation
If you or a member of your immediate family are injured or become sick during a trip far from home that results in an emergency evacuation, you can be covered for medical services and transportation up to $100,000.*