Worst experience ever with an insurance company. Was stranded in a hospital for 6 days after a major road accident as Regency were reluctant in providing the hospital with the down payment so that they may proceed to operate. Seldom any communications from Regency during this painful wait which resulted into several blood tranfusions and bacteria in the body due to internal bleeding. I had to use my own financial means to get the operation going or else I would still be there today waiting for the operation whilst my condition was getting worst. Furthermore Regency, contrary to policy, forst me to pay 20% of the total bill! The worst ever insurance company wanting to make a quick buck off their customers. I guess it is a good company as long as you pay your annual feels and don't claim anything. Not a safe insurance company to deal with if you are overseas.