I am an expat and I have Health Insurance for expats with Regency for Expat. You are quick to take my money, but when I need medical attention or surgery (in my case) it becomes unbearable. It started last year (2019 in October) when I was diagnosed. I contacted Regency to get authorization for the surgery and they said that they will need my medical history. I sent them through all my medical history. They then contacted the doctor that referred me to the specialist to get his notes and this is when the back and forth started. Finally they said that they need a quote of how much the surgery will cost. I got the quote from the specialist and sent it to them and I waited for an answer. I contacted them early in 2020 and asked if they have reviewed my case and then it started again. They need more information. I did not have more information as I am not a very sickly person and never in my whole life had I had surgery, this will be the first time. I do not go to the doctor often so there are caps in my medical history that span years at a time. I then took it on myself to send them my medical history of the past 10 years. They wanted to know if I was diagnosed with a same case as this one and honestly, this was the first time I had any of these symptoms. After all of this they come back to me again and said they cannot read the referring doctors notes because of his hand writing (I mean really) what other excuses are they going to come up with. I asked the doctor to please decipher his hand writing for them and now I am waiting again. I will have to postponed the surgery again as Regency has not made a decision on my case yet.