I am at present fighting for authorization for a hip op in Indonesia. Since 2 weeks there are mails going up and down, but all I get is “comforting me". I am 74 years old and so far healthy. Unfortunately my hips got very bad the past 2 years and a specialist recommended double hip op. My annual fee to Regency was USD 10.384.00, which would cover the cost. I remember when I signed up with Regency in 2020, my brother warned me. How right he was. They ask for detailed Medical reports for the last 5 years. I cannot provide any, as I am so far healthy and for a flue or a tooth ake you do not need a medical report. Do you?! 2015 I had an accident and broke my shoulder. The insurance I had, immediately gave the green light to operate. This took 5 minutes over the phone. This is what an insurance should be like. Unfortunately they were not allowed to operate in Indonesia any more. Other wise I would be safe now!!!! I do not believe any of the positive comments, they are all lies. How come there are only 5 star or 1 star comments?!?! The only true comments are the 1 star comments. Regency keep your promise and pay for my surgery. Or cancel my contract and refund my 10.384.00 USD. But this will not happen, you are a fraudulent company stealing the money from expats all over the world. I believe in KARMA, this will come back to you one day. Dear expats, do never ever sign up with Regency!