I had a claim for knee surgery rejected by Regency as I didn’t stay in hospital overnight after surgery and after a full anaesthetic ... I was fortunate enough to have someone to collect me from the hospital and to look after me for that first night, which actually saved Regency money ! What made it worse is that it took over 2 weeks for Regency to arrive at this decision by which time I had already had the surgery. This is my first claim with Regency .... and the last, as I will now move to a reputable insurer .... and they have shown all the signs of an insurer who will wriggle and worm to find a reason not to pay a claim. AVOID !!!!!