Regency for Expats Reviews

Name: Regency for Expats
Rating: 3.91

3.9 Rating 730 Reviews

73 %

of reviewers recommend Regency for Expats

Company Reviews

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Metrics

3.9

Based on 730 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

Location:

Nevis

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Anonymous

Anonymous // 01/01/2019

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

“Great at processing small claims. Always pay within a few days. Very little hassle. As soon as we came with a major claim they started to give us the run around. We showed up at the hospital to get surgery only to find out it had not been approved yet. They claimed our surgeon had not gotten back to them with that proper forms. Confirmed our surgeon never received anything from them asking. Then they said they needed all medical records for 5 years. We had all ready provided them with names of doctors and they didn’t bother getting them themselves. So we had to run around filling out form, gets records on our own dime. Process cost time and money. Meanwhile in a lot of pain. After we got them all the relevant records they started asking for more which they had not asked for before. This time from other countries that we lived in 10-15 years ago. After all records were submitted then they wanted records from prior insurance companies showing any claims. None of which they asked for before. Now 2 months had gone by since we were turned away from admission. Costs were adding up for weekly revisits, repeat scans, etc. if we didn’t have insurance we would have already had the procedure done or gone to another country or the public system or something. The only delay was the pre-approval so we wouldn’t have to pay out of pocket. They said they submitted it to underwriting. I asked if they had been submitting records as they came in and they said yes as the only ones relevant to the matter they had the entire time and if there was a reason to reject it they would have done that at the beginning. Another two weeks. Then they said the underwriter sent it back and they wanted them to put together a timeline. Spoke to a case manager who assured me he would be finishing it by end of day to re-submit it. Called again, told someone would call me back. Called the next day, told someone would call me back and that they were in contact with the hospital. Called that evening , told they needed more paperwork from our surgeon. I asked what and they said They needed the estimate. 3 months and not asked for this? Confirmed with surgeon they had submitted this 3 months prior as well as this week. Called again, asked to speak to a case manager. Put on hold 10 different time. Very vague responses from a phone bank girl who assured me they was the last piece of information they requested. All in, 3 months of wild goose chases for records, never once having received a call back the entire time. Sporadic responses to email from the general claims email address. No individual responsible for issues. Just everything going through some general number and email and being told confirmed lies to string us along. I don’t know what the end game is, we just go away? We pay for cheaper and get reimbursed? Hope we can’t afford a lawyer? 100% do not do business with this company. They still haven’t agreed to pay. We are stuck having to take a mortgage out on our home and then battling with them for reimbursement after the fact. What happens in an emergency?”

Helpful Report

Posted 5 years ago

“I would not recommend anyone ever to buy cover from Regency For Expats. When my brother died,we thought everything would be ok because he had a valid life insurance policy.However they have denied our claim,using every tactic to avoid paying.Our only option now is to take legal action to recover monies owed to his family. With respect for my brother we will continue to fight for fair...My advice to anyone wanting to buy Health and Life Insurance is to search for a more reputable insurer. As for Regency for Expats,be sure we will endeavour to successfully bring justice for my brother,his wife and 12 year old son to give them the future they deserve. Finally words cannot convey how truly despicable this company is. Regency for Expats shame on you...”

Helpful Report

Posted 5 years ago

“Avoid at all costs. They are a scam. They don’t answer mails. They frustrate you. They always claim it’s a pre existing condition.”

Helpful Report

Posted 5 years ago

“Extremely poor service. I have made a claim filled all the forms and sent my supporting documents and I’ve not heard from the company. I’ve written many emails with reminders and no reply from them. They make an effort to frustrate you and they are very good at that. So we if you want to make another claim you get frustrated. They are very good in frustrating you.”

Helpful Report

Posted 5 years ago

“they are asking evidences of preexisting health condition only when they have to assess your claim. at the time of the contract it looks they can provide everithing without issues and no need of providing your clinical records before the start of the contract. it looks a trap. I'm still under discussions with them for claims on medical visits and analysis following covid-19 with a premium level of insurance... orrible!!! .”

Helpful Report

Posted 6 years ago

“''Dear..., Pre-existing conditions aren’t unique to your plan or Regency’s policies – it’s a feature of all insurance. You cannot, for example, purchase home insurance to cover damage from a flood that happened before the policy began. Health insurance is the same, and no insurance covers everything, which is why there is a policy handbook which is available to all via our website, our brokers have and provide during the sales process, and you received as a member upon entry and renewal. If this was a new condition then it could be covered, but it’s not – it’s related to something that had already happened before your policy - I’m very sorry, and I have a pre-existing condition too so I do sympathize, but this claim is not covered. Kind Regards, Claims Handling'' The kind of support I have received. Continuing to deny I am eligible for a claim for more than 2 months in discussions and after sending many emails with information. What a terrible experience. Not happy knowing this now.”

Helpful Report

Posted 6 years ago

“I did sign up for the inpatient hospital plan. After 3 month I had a blood clot and needed to go to the hospital. First of all it was hard to reach anyone then when I asked them to go to my hospital of choice they said "yes no problem you can go there" once I have been there and had my operation I tried to reach them again and it was not easy to get any one feeling responsible for me or answer out of anyone at regency. The only answer I got was we need more time to evaluate. I was already discharged after 5 days hospitalized when I got the message that they would not take over my cost due to my contract only allowing a double bed room not a single but the hospital of my joice which they agreed on had no double rooms only single bed rooms. So I can NOT recommend this insurance and I'm very disappointed in them as well as they bankrupt me due to I had to pay the whole bill by myself! Do not choose this health insurance!”

Helpful Report

Posted 6 years ago

“Stay away from Regency, they are dishonest. I made a claim and they started requesting previous medicals. This are scam how they operate and I have now to discontinue the insurance and get my money back.”

Helpful Report

Posted 6 years ago

“After being diagnosed with Aortic stenosis in June 2019 in Bangkok hospital pattaya I went to Bunrungard hospital in Bangkok where they confirmed I needed a Valve replacement, the hospital contacted Regency regarding the operation and was told to tell me have it down and claim after, what a mistake that was, nine months later and the emails are still going back and forth. They advertise that they are fully regulated, yes but by the FSRC in Nevis, Caribbean you cannot talk to them they don’t answer emails. They claim it’s a precondition but I have a full medical report done in 2017 that has no mention of such problems. Stay away from them”

Helpful Report

Posted 6 years ago

“Warning, do not sign up with them, they make handing in international claims (in our case claims from Germany) impossible to handle. Translation of all documentation to English was requested, all of the sudden full medical history had to be submitted after having done so upon signing up. DO NOT SIGN UP WITH REGENCY if you care about your money.”

Helpful Report

Posted 6 years ago

“We feel like every effort is taken from the insurance not to settle our claim. They asked for so much paperwork and after submitting the requested continued to ask for translation into Englisch as the treatment took place in Germany. We are talking about 809 Euros doctors bills vs the 10.000 we paid on fees last year. We will not continue with this insurance and will warn every Expat about this. Shame on you Regency insurance for being so greedy”

Helpful Report

Posted 6 years ago

“Almost none of my claims were reimbursed, costing me thousands of dollars out of pocket. I was rushed to the doctor with emergency symptoms on a number of occasions in the past year, but none of my visits were reimbursed, despite the mysterious onset of my symptoms. I feel cheated.”

Helpful Report

Posted 6 years ago

“Have been paying $1,000s of dollars each year, but found out that my insurance was not in place for nearly a year and no one told me! Imagine if you have a serious accident, expect cover, then told you do not have any and must pay $400,000 just because some idiot somewhere did not tell you, not even an automatically generated email. Broker has just been sacked lol. The telephone girl was very nice and professional and is looking in to it. I will also check back to see of this review has been posted.”

Helpful Report

Posted 6 years ago

“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.”

Helpful Report

Posted 6 years ago

“Had major hart failure 5 days before they got of their lazy bits to send 1 email. Been waiting in hospital for 6 days waiting approval to have another stent put in my hart. Web sit guarantees a 24 hour approval. I’m starting to think they want to stress me out so much that I will die so they won’t have to pay out. Not only have I been calling them to hospital also has had no luck getting any answers from them”

Helpful Report

Posted 6 years ago

“I'm waiting for over 4 months to settle my claim! And if I'm ask them - for several times - to provide me with the status of my claim, they just don't answer. Very, very bad communication!!!!”

Helpful Report

Posted 6 years ago

“After the claim they will ask you for your whole medical history without mentioned this before enrollment and will find any excuses to reject the claim. Outpatient is only claim basis. I REGRET to have switched to this company that promissed excelent services that is not the case.”

Helpful Report

Posted 6 years ago

“I took out the premium service to cover my self and my family. In the last three months I have attempted to make three claims. They did not cover my son's vaccines, nor the doctors appointment. They referred to the policy that my partner is not covered for pregnancies, nor anything around her being pregnant. Now this last claim was for Physiotherapy, which I apparently have 10 sessions and because I told the doctor that I had some injury 2-3 years ago playing rugby, totally not anything to do with the existing condition, they have claimed I have even with a doctors note to say that was not the case. Absolutely ridiculous. They don't have a Premium policy. It's junk.”

Helpful Report

Posted 6 years ago

“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.”

Helpful Report

Posted 6 years ago

“I can not recommend Regency, with me it took two weeks until the negative decision was made, although I could present expertises from Switzerland. Steer clear, they only collect high bonuses and if you have something, they squirm to death. NEVER NEVER have this insurance”

Helpful Report

Posted 6 years ago

Regency for Expats is rated 3.9 based on 730 reviews