Points that speak for fraud: - No licence anywhere in the world, therefore not regulated by any governmental control body. Regency does not meet the compliance requirements in any country in the world and is not regulated. Have fun when it comes to a claim.... - Regency for Expats is not an insurer and has no reinsurer, as it is not registered anywhere, nobody is interested in this (see above). - No postal address can be found (there are several offices listed on the website, but all with the same email and no office address). - If you take a closer look at the reviews on Trustpilot, it becomes clear that there are only very good and very bad reviews. No average ratings. It is therefore obvious that the good reviews that praise Regency for Expats to the skies are all fake. - Premiums too low compared to competitors. If you look at the services in a more differentiated way, it is clear why. Everything is limited and even doubled with an exclusion that you don't have to pay anything on Regency's part (examples: Limit for cancer USD 20 vs. unlimited (industry standard), chronic conditions max. USD 10k, GP consultation USD 750 per year (!!!), 30% of the costs for an anaesthetist etc.). If you really need help in an emergency, you cannot count on this company.