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Regency for Expats Reviews

4.0 Rating 657 Reviews

75 %

of reviewers recommend Regency for Expats

Company Reviews

4.0

Based on 657 reviews


Shipping & Delivery
Delivery Methods	Courier
Average Delivery Time	Next Day
On-time Delivery	Greater than 93%
Accurate And Undamaged Orders	100%
Customer Service
Communication Channels	Email, Telephone, Live Chat
Queries Resolved In	Under An Hour
Customer Service	4.3 out of 5
Returns & Refunds
Refunds Process	Very Easy

Visit Website

Phone:

+44 20 3129 1544

Email:

info@regencyforexpats.com

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Anonymous

Anonymous // 01/01/2019

Filter: Rated 1 None 5 Stars 4 Stars 3 Stars 2 Stars 1 Stars Helpful

“Regency has denied my wife coverage for an operation that is scheduled for tomorrow to remove a nodule in her left breast. Although in the biopsy performed, came out as non-malignant, the fast growing and very irregular shape of the nodule, has raised concern among the team of oncologists at Ramathibodi Public hospital, so they advised her to remove the nodule and part of the surrounding tissue. It turns out that the “adviser" of Regency, thinks that this case could be left without surgery and proposes to monitore and wait when it acquires more alarming signs to proceed with the operation! I consider this argument totally unacceptable to deny assistance to my wife in something that worries her greatly. On the other hand, I find it inadmissible that the Regency "adviser" may question the medical criteria and protocol of the oncology team of a good hospital such as Ramathibodi Hospital. I do not think this is a way to manage claims from users.”

Posted 2 years ago

“I am so disappointed in Regency for Expats Insurance. My Doctor discovered that I had a hernia that required surgery. After sending in all of the required documentation they have been stalling and delaying any action for over 2 weeks now. Meanwhile, I am in pain and totally have lose faith in their "promises" of prompt service prior to signing up with them. My suggestion is to avoid Regency for Expats at all costs.”

Posted 2 years ago

“STAY AWAY. I have had their coverage for many years, but something recently changed. They tried to get me to sign a waiver after coverage was issued, stating I could not litigate in Hong Kong. I refused. Now they declined some basic outpatient coverage based on stated "pre-existing" conditions. However, as I am a long time client, they were aware of my general health. I actually have no pre-existing conditions. I will likely have to sue them to get the coverage promised.”

Posted 2 years ago

“Steer Clear is my best advice to anyone looking for medical insurance. Had to go to hospital after a routine checkup to have a Pacemaker fitted. Claim was rejected in full as I must have already had the heart problem!.. Even though it was asymptomatic they still don't have to pay out! Believe the poor reviews and steer well clear for the health of your finances as well as your health. Now watch for 5 or 6 5 star reviews to appear within the next couple of days!. that should give you an idea!.”

Posted 2 years ago

“READ THE CHRONIC CONDITIONS EXCLUSION They can literally deny any claim for any ongoing medical treatment as it is "chronic condition". They are based in NEVIS. A volcano island with 11,000 people known for tax evasion and money laundering. Why would they be based there? So you can't do anything about it when they deny your claim. They approve small claims, deny large claims or just stop communicating all together. What are you going to do if they don't return your email? Go to their office? Good luck finding an address. Post fake reviews (notice they are 1 star or 5 star) to drown out the truth. NowCompare is part of it. They cherry pick expensive plans to compare to. Do a comparison yourself with quote from individual reputable companies. It's not any cheaper!!!”

Posted 2 years ago

“The team are very responsive when it is about sales but when it comes to giving reasons why your claim is not being paid, the team refuse to provide documents, reports and processes. The medical advice given by their team of 'experts' was then found to be so negligent it would have led to paralysis. Regency are by far the worst insurance experience I have ever had and are amateurish. Please beware of this provider. There are plenty others out there that do provide service.”

Posted 2 years ago

“I took comprehensive premium as i was getting project to work in Europe. On Xmas morning I went to emergency room due to fatigue which turn to be low blood counts and later hospitalized and diagnosed w mds. They refused to pay any bill ER and hospitalization, stating disease couldn't develope quickly. So how should person know if something is developing inside or not? If i had no symptoms I couldn't possibly know. It appears they are just fraud n money collectors”

Posted 2 years ago

“We signed up for the very best policies you could buy in Malaysia. We paid 14,000 USD. Alot for Malaysia. My partner started having symptoms and pain from hernia 3 months later. His Dr recommends surgery. They denied the surgery and told him To wait until its an emergency. He asked if he had a heart attack would that so be considered pre-existing as heart issues dont just happen. They only want the money an expat can pay and care nothing about a minor surgery which our premiums more than covered by 3 times. The suffering they are inflicting on him is unacceptable. Be ware they dont even work with local hospitals as they state. Total scam. Especially for expats. WE WILL NOT BUY AGAIN AND DO NOT SUGGEST ANY EXPATS DO. NOT A GOOD COMPANY.”

Posted 2 years ago

“Trusting Regency for Expats to be your health insurance provider whilst living overseas could be the biggest mistake you will make in your lifetime. They have literally ruined our lives and destroyed our finances. A truly evil company that spends a lot of money on marketing and writing completely fake reviews on sites like this to hide the truth - they are not going to be regulated in the country you live in (unless you live in St Nevis) and will be able to get away with not settling your or your loved ones medical bills when you need them most. If you are considering to insure with them i urge you to research - ask Now Compare why they don’t recommend other plans or companies if they are an independent broker (they aren’t, they are just salesmen for Regency). Please don’t make the same mistake we did and choose anyone except this company to be your family’s health insurance provider”

Posted 2 years ago

“Had a claim for dental treatment approved but I’m still waiting for the money 5 weeks down the line . It’s a constant annoyment to email them regularly about this to receive their standard reply about looking into the payment . I can’t wait for my policy to end , I will definitely not be renewing . They are very quick to badger you for renewal but very very slow to sell a claim . Don’t be taken in”

Posted 2 years ago

“Very quick to take the expensive monthly payments but extremely slow at paying out . I had a claim approved for dental treatment and I’m still waiting for the payment 5 weeks down the line . They send me a standard regular email reply about it being looked into . I can’t wait for the policy to expire so I can leave this disgrace of a company”

Posted 2 years ago

“Do not get coned into this scam I purchased their best plan put in a claim and was rejected”

Posted 2 years ago

“They will try to avoid or reduce your claim .When u appeal they'll bog u down with crazy demands for documents that are difficult to get from healthcare facilities. And they said they'll call to clarify but nothing happens”

Posted 2 years ago

“I was convinced by Regency International for expats to purchase their health insurance rather than continue paying for a more expensive German insurance. Germany requires proof of insurance for all who were residing in Germany. Germany gave me a form to send to Regency International for Regency to fill out and return to Germany via email showing proof of health insurance. Germany had some concern saying the form was only in German. I assured them that Regency was international so should not have a problem with the form being in german. Regency returned the form to me saying they couldn’t fill it out because it was in German. I then took the time to translate the form into English and returned the form to Regency. Regency then AGAIN returned the translated form saying something about filling out the form went against Regency International policy. I asked if they could send some form of certification to the required german government email address showing that I indeed had health insurance. They then said it was against policy to send such info to a third party. I then asked Regency International if I could then be refunded my annual payment for services not rendered. Again Regency International refused and said they would instead not charge me for the next annual payment. Stay away from Regency International”

Posted 2 years ago

“Expats, do not trust Regency Insurance for your medical insurance needs, THEY WILL RIP YOU OFF when it comes to filing a claim. The short story is, I had disclosed having hypertension upon my initial interview with their representative. He said nothing about that being considered a "preexisting condition that would affect converge". I have obtained a recording of the interview and it proves my case of me being honest and direct and fully disclosing that fact. I’ve paid two years of premiums, over $10,000 USD’s. Then on 31 October I had a TIA (Transient Ischaemic Attack, a mini STROKE). I was Hospitalized for two days/nights including ICU for 24 hours and every test under the sun run on me. I Filed a claim and was completely denied as they said preexisting conditions like hypertension are not considered for coverage!! Why the salesman did not fully disclose that hypertension is considered a factor is completely deceitful, dishonest, unprofessional and they just wanted to make a commission. In all fairness I do have high cholesterol and we did not discuss that. More importantly the agent never asked what medications I was taking or even ask me about my health. Fast forward, 11 emails later including asking their powers at be to listen to their recorded interview and today, almost a month later said, "sorry we stand by our decision, your claim is denied". WHAT?? This is total malpractice as far as I am concerned regarding insurance company regulations and policies. Please see screen print of their managers decision. REGENCY Insurance and NOW COMPARE are deceitful organizations. Buyers beware and please share with your fellow expats 😠😡🤬🤯”

Posted 2 years ago

“Regency are not here for you. They have a very strong sales team, but their medical response team are confused and their experts negiligent. I was recommended painkiller and steroidal treatment for an emergency operation on my spine. Firstly, as if I wasn't already on that (no Regency medical team calls to find out until you start complaining) and secondly when neurosurgens say that you need urgent surgery immediately and Regency shrugs it off as 'oral analgesia or steroids' as being the alternatives... you realise you have zero chance of any success because Regency are built to grab your money and provide pretty average, if not negligent advice.”

Posted 2 years ago

“its a long story but this company is not helping but looking for reasons not to allow you to go in the hospital so that they can safe money. We were waiting for 6 hours in the emergency room, waiting for approval. My wife was crying because of the pain and I decided to pay instead. Regency was clearly happy to hear that I prepaid the hospital stay and surgery. Nevertheless, they found another reason not to guarantee the coming claim with the reason that the required room level was full, so I needed to upgrade the room. I suggested to pay the difference and they disallowed it and aks me to go to a different hospital. The hospital were my wife was hospitalised is one of the best hospitals in Indonesia and she was in pain. Profesor and doctors contacted regency directly by phone to explain the urgent matter but without any result. So I allowed the surgery and had to pay 8000 Euro. The final bill difference of the upgraded room and the room level of Regency was 175 Euro. But you can guess what regency decided to do. During all correspondence by phone and emails, Regency didnt ask about my wife's conditions, like how she is doing of how was the surgery. Its unbelievable how they treat humans and they have no empathie at all. I happened to be a successful entrepreneur but you can imagine when a average family has to experience this and at the end not able to claim the 8000 Euro. So please let the world know not to take Regency as your insurance company, so please spread the word, otherwise we will have more victims.”

Posted 2 years ago

“Regency is a crappy company for what is my experience. For people asking about visa for Thailand, please be aware that Regency will send you a letter saying that you will be covered for Covid for 100,000 USD and more but be careful, if you have: high cholesterol, a BMI above normal, hemorrhoid, Achille tendinitis, joint pain, they mat not pay, claiming that all of those are connected to preexisting conditions that can worsen the COVID effect and so, following clause 67, they will pay nothing. In addition, I, for example asked proof of any of the correlated effects of those medical supposedly preexisting conditions as same as a doctor diagnoses supporting them, I got back links to internet and an answer from unknown people with no medical title exposed and or medical license to support their opinions. The links referred to studies on going and not definitive, claiming there is still not enough data etc, so basically a YouTuber could do that. In addition, they always delay answers for months, they called me when I was in ICU under oxygen helmet and almost incapable of breathing, instead of talking to the doctors and so on. In my experience they are very unprofessional at any level. They will cover your Covid expenses if you only get infected and hospitalized, as per Thailand rules, and if your situation will not become serious, requiring ICU, if it will require ICU, they will claim that is due to preexisting or underlying issues, any of before mentioned or others such as: diabetes, obesity, high pressure or others and so it will be on your personal credit card. It is not worth the discount at all. Go for some more qualified company if you want to be really covered for Covid. Ask to your preferred Thai hospital their recommended list of insurance companies, in my one unfortunately, I discovered too late, Regency is not their preferred ones list. Good luck.”

Posted 2 years ago

“This company severely violates any duty of disclosure and thus does not make a 'fair presentation': - there is no address apparent of the myriad locations listed on the website. - the company is not registered anywhere except in Nevis in the Caribbean Sea (!!!) - the company does not specify who the insurer is. - any mandatory IPIDs are not available on the website.”

Posted 2 years ago

“This company can not get any lower. Truly vile people running this company. Their response to the (genuine) negative reviews is to pose as an ‘actual customer’ and state that these reviews must be from competitors! Words fail me. Regency - Why don’t you say that to my wife who is going to have to fly round the world whilst halfway through 6 rounds of chemotherapy when she is at her weakest, quarantine for 15 days in order to be able to continue the treatment in her home country where she will be covered by some national insurance because you won’t honor a genuine claim for cancer.”

Posted 2 years ago

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Regency for Expats is rated 4.0 based on 657 reviews