Went to hospital fearing a stroke. Very weak and numbness in both arms, face and top of head. No fever, but feel extremely hot in the heat and shivering cold in the air conditioning in the waiting room. Major medical has so far refused all payment. Hospital did c scan, chest xray, blood tests and put me in Intensive Care Unit. Doctor said he felt I needed round the clock supervision. Still, Regency refused an payment authorization. I waisted $2500 on insurance that appears to be worthless. Now they say I can submit my receipts. I am sure it is an excercise in futility. And this over costs in Thailand which are relatively very low. I would not purchase again or recommend.