In my experience Regency for Expats are not interested in the patients well being at all. They purely manage their claims in a manner that ensures they do not pay the full amount. In a late evening emergency situation they have been informed by the hospital of the need for surgery and because the hospital was full the patient went into a room status that was not entitled. Regency for Expats denied all claims due to definition of room and didn't inform us of this until ready to depart hospital. Eventually paid 80% only of all expenses rather than 100% and this was after the hospital had offered to cut the room cost in half. Cost of the room was not an issue to Regency for Expats only the ability to deny the claim and consequently to reduce all costs by 20%. The Hospital concerned was not surprised with their behavior and have had no recent experience where the client is happy. I find their behavior in Thailand to be despicable.