I have made three claims with Regency for expats and they have not paid any of them. I left regency and came back to them after I had changed companies I was working for. Thought I would give them a try a agin. I was checking on some equipment not manual labor just looking turned around and slipped and broke 5 ribs. The claimed that I could not be covered as it was an unsafe area. exactly what they wrote in the email response, then the doctor sen them a letter saying they had to be pinned as they had brok into and would heal maybe in 6-8 months. Thhey cam back again and said sorry on the job accident. Due t this fall I also hit my head and damaged some blood vessels in my eye and had to have surgery due to the bleeding. They didn't want to cover that either so betweeb both surgeries I am out 17,500 US dollars out of my pocket. Regency is ok if you have never been sick or plan on walking around anywhere and just stay home. I have talked to others 5 persons who was treated the same way and one even told me that he was offered 50% after 3 months of arguing with regency. I would never recommend them to anyone for any reason.