I moved from my previous health insurance supplier to Regency in April 2017. The decision was due to continued escalating rates with my long term provider (of 8 years) in an already overpriced market. Regency's rate was around 35% less than I had been paying, I assumed this to be an opening offer and thought year 2 would start to see increased rates...I was very pleased that the renewal offer was almost identical to year one with only a minimal change so readily renewed. I submitted my first claim, for a wellbeing health check which is covered within the policy and does not effect your no claims, I was pleasantly surprised to receive confirmation of my claim within 10 minutes of submission! I have never received such a service from an insurer and certainly have no hesitation, based on my experience, of recommending Regency for Expats.