Regency is a crappy company for what is my experience. For people asking about visa for Thailand, please be aware that Regency will send you a letter saying that you will be covered for Covid for 100,000 USD and more but be careful, if you have: high cholesterol, a BMI above normal, hemorrhoid, Achille tendinitis, joint pain, they mat not pay, claiming that all of those are connected to preexisting conditions that can worsen the COVID effect and so, following clause 67, they will pay nothing. In addition, I, for example asked proof of any of the correlated effects of those medical supposedly preexisting conditions as same as a doctor diagnoses supporting them, I got back links to internet and an answer from unknown people with no medical title exposed and or medical license to support their opinions. The links referred to studies on going and not definitive, claiming there is still not enough data etc, so basically a YouTuber could do that. In addition, they always delay answers for months, they called me when I was in ICU under oxygen helmet and almost incapable of breathing, instead of talking to the doctors and so on. In my experience they are very unprofessional at any level. They will cover your Covid expenses if you only get infected and hospitalized, as per Thailand rules, and if your situation will not become serious, requiring ICU, if it will require ICU, they will claim that is due to preexisting or underlying issues, any of before mentioned or others such as: diabetes, obesity, high pressure or others and so it will be on your personal credit card. It is not worth the discount at all. Go for some more qualified company if you want to be really covered for Covid. Ask to your preferred Thai hospital their recommended list of insurance companies, in my one unfortunately, I discovered too late, Regency is not their preferred ones list. Good luck.