Guys Its Totally Fraud completely , i am sharing the mail which i received after 115 days mail communication , Never ever buy this , it will finish you Dear Dipendra Singh, Following a review of the claims submitted due to the injuries suffered whilst in the workplace, as well as medical expertise, this has also been carefully considered by our legal and underwriting experts. In terms of the medical assessment, our experts have raised the issue of the wound healing being impeded by your apparent underlying, uncontrolled diabetes. This means policy exclusions 1 and 67 are relevant. However, the primary issue here has been identified by our legal and underwriting teams. They note that the injury was due to a number of failures by the company to ensure a safe manual labour working environment for all staff including: • no designated coal cooling area, • lack of attention on the hot coal/dust ashes hazard and its consequences, • no defined method for cleaning access road, uneven surface, • inconsistent availability of the machinery, • inefficient planning and, • low cut safety shoes. Following the incident a report was prepared which included 15 remedial measures, described as ‘corrective actions’. It also contained recommendations from the relevant Government authority including: • Separation between pedestrian and stock pile, safe walk ways, • Pedestrian maintained all the time without hot materials, • Danger/Warning signs, • Staff briefings, • Sufficient fire facilities and, • Heat resistant safety shoes covering to the knee. Our underwriting and legal teams confirm that the costs for this injury and subsequent treatment do fall under policy exclusion 59 ‘Expenses which are recoverable from a third party’. This is because the cause of the injury was an unsafe working environment, requiring significant remedial measures to correct – measures identified and recorded by both the company and the Government authority. Underwriting and legal have explained that our plans are private health insurance policies, they are not designed, or intended, to replace the duty of an employer to provide and maintain a safe working environment, or provide workplace insurance to cover the risk of accidents and injuries which occur in a high risk manual labour based workplace such as an industrial environment. This is why different types of insurance policies exist – to fulfil different requirements. However, they do also confirm that the policy, including the condition ‘subrogation’, does enable us to consider covering costs where the liability sits with a third party, if those costs are recovered. Therefore, if Shwe Taung Cement commit to reimbursing Regency for Expats under the policy terms and conditions we can consider any outstanding costs on the proviso costs will be recovered from the liable party – the company. Kind Regards, Mary