Make sure you read their small print before signing up on ‘pre-existing conditions’. If you are being sold by Now Compare or are being sucked in by their fancy marketing videos - the below is what you really must pay attention to before you sign up: 1. Any claim relating directly or indirectly to any medical condition or related condition that existed prior to the date of entry. Conditions for which you have received treatment, had symptoms of, had knowledge existed or should have known existed, or you sought advice for or existed without your knowledge prior to your date of entry (preexisting medical condition) will not be covered. ‘Or existed without your prior knowledge’. This is what they will use time and again to deny your claim. In our case they have denied my wife’s cancer claim for this reason. No matter that the type of cancer she has is a very aggressive one that grows quickly and we have sent them countless diagnostic reports saying as much - they have denied it for being a pre-existing condition based on the wording in the clause above. This will be the 3rd negative review in a day on this site for Regency so watch now for the bombardment or fake 5 star reviews. Regency for Expats have literally ruined our lives - they are a truly despicable company and you must avoid them when selecting your health insurance company.