Please stay away of Regency for Expats. THEY SIMPLY DON'T PAY. Client Service really a low level. Got calls by un UK number (+44) where they pretend to have an office by people based in Thailand, HONK KONG, the Caribbean Sea and who knows from where. I specified to call me during my working time zone many times (phone and email) but got calls at 4am or 10pm my time. Every time a new person to deal with via email of phone giving you then just polite and nonsense answers with nobody taking responsibility of decisions. Then you start the endless story of requesting medical certifications and nonsense documentation. When asked to have the legal entity to send them letters by my layer never got a reply. Basically I got a claim denial for a gallstone operation. I discovered to have the problems due to some really high pain. Went then to the doctor and did the ultrasound and found the gallstone in my cistifellea. Asked to 2 clinics in Italy 2 different prices for operation. Sent all documents to the claiming team and got denial. They argue it was a previous problem before the insurance policy. If this is the logic any cancer or even a basic teeth cavity will be denied. They even didn't reimburse the initial visits and exams I took to get through the diagnosis.