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So what exactly are your experiences? If it doesn't just happen when you think your near death, then you are talking about something beyond that, which could be explained by certain functions of the brain that aren't working right. If you just randomly can have out of body experiences, than what makes you think that it was an NDE if happened also when you weren't near death?
I find it very interesting that you saw the doctors. Those that wish to discredit NDE's tend to avoid thes type of proofs that we have souls. How can anyone see anything outside of their body when they are unconscious? I actually saw my little car in a cornfield from a thousand or so feet up. It would have been impossible to have come up with it in my imagination.
The tunnel experience you had is somewhat of the process of the soul detaching from the body. A combination of a biological process and a spiritual process... Even in the spirit world there are laws.