I had an accident with a bike in Indonesia and ended up unconscious in a local hospital. They stitched me up and gave me a bed. Basically I couldn't see out one eye, a concussion, multiple fractures in my face and doctors found liquid close to my brain which could have been there before but we don't know that. Once I could function a little bit I called regency to ask for help, mainly because there was no communication in this hospital and I had no idea about my condition. The only thing they told me was to fill in the claim form, send everything through and only then they could help me. Imagine me with one eye in a Hospital without a printer, no communication possible with doctors, lot's of phone calls and emails with only one result. "Fill in a claim form" Regency never returned my calls, regency never talked with this hospital, the Indonesian help desk doesn't speak or read Indonesian so THEY ASKED ME to translate my medical reports. So after 48 hours I left the hospital by myself, after 72 hours of terrible communication I managed to send the claim form which then was rejected because of a missing police report. Mind you that I am in Indonesia where police is hard to find, especially when you need them. In these 72 hours they only called me once, the last day at 3am.... Some Thai guy from regency help desk telling me that they need a filled in Claim report or else they couldn't do anything. Big thanks to Regency, worse service I ever encountered.