International Health Insurance

Working and living overseas is exciting with new experiences but also health risks and financial challenges. Protect you and your family with International Health Insurance by Regency for Expats, the specialist in affordable overseas medical coverage. Get covered today.

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99% Paid Claims

Compared to the industry average of approx. 80%

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24-Hour Quick Claims

Enjoy fast-track claims available 24/7 in any language with Regency for Expat’s international medical assistance service

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International Evacuation & Repatriation

Rest easy knowing your needs can be served anywhere in the world

Benefits

Inpatient Benefits

Being admitted into hospital for treatment of an injury or an illness can be a daunting time not only for the patient but for their friends and family too.

Regency’s range of international health insurance plans all include inpatient benefits to ensure that this unique environment is experienced with the full backing and support of one of the world’s premier insurance companies. 

Outpatient Benefits

From an everyday cold to cuts and bruises, visiting an outpatient clinic or general practitioner for treatment and medication is common place for those within the international, globally mobile community. 

Receiving this treatment quickly is essential and Regency’s outpatient benefits ensure that the cost of this does not become an additional burden for members. 

Wellbeing Benefits

Regency’s suite of wellbeing benefits help members to stay healthy longer and maximise quality of life by giving them access to a number of preventative healthcare measures that can identify health issues early. 

From annual medical health check-ups and eye tests to coverage for vaccinations, Regency’s wellbeing benefits are an essential element of a comprehensive health insurance plan and allow members to feel confident that their overall health is being guarded. 

Dental Benefits

Good dental health not only protects the integrity of teeth but ensures smiles remain bright for years to come. 

Regency’s range of dental benefits have been designed to comprehensively cover a multitude of dental needs so that members can feel secure that their teeth will get the right attention along with their overall healthcare needs. 

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Global Security Benefits

In an ever turbulent global security environment, Regency’s unique approach allows members to trust that whilst they travel and reside around the world, their international health insurance coverage caters for many of the potential dangers that they may face. 

Whilst many insurance programs available in the market specifically exclude claims relating to terrorism and security based events, Regency has developed generous benefits that mean that these concerns can be addressed. 

Psychology Benefits

Living and travelling overseas can give members the opportunity to enjoy new and exciting experiences, however, with these unfamiliar environments can come added stress and the need for additional healthcare support. 

With global access to teams of highly trained psychology specialists, Regency members can be just a phone call away from vital counselling and coaching that can strengthen their overall wellbeing and confidence whilst away from their home country. 

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International Assistance Benefits

As one of the premier concierge level international health insurance providers, Regency’s comprehensive balance of services ensure total support for members wherever they may be in the world and no matter their individual set of circumstances. 

From general information and advice to the placement of “Guarantee of Payment” to medical facilities and arrangement of further treatment, Regency’s 24-hour global assistance benefits are the ultimate in customer care. 

Evacuation & Repatriation Benefits

Recognising that not all medical facilities in all global locations meet the highest levels of medical care or have the ability to cope with the more complex treatment needs, Regency’s evacuation and repatriation benefits are an important element of establishing the right, tailored healthcare plan. 

In the event that emergency treatment is not readily available at the place of the injury or illness, Regency can transport members to the nearest appropriate medical facility. 

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Plans

Prices quoted are in US Dollars (USD $)

Major Medical

Basic international health plan for most medical needs
Annual Plan (USD $)
  • Inpatient Cover
  • Emergency Room
  • Ambulance
  • Semi-Private Room
  • 10% off (CG members)

Standard

Standard plan including Major Medical benefits plus outpatient cover
Annual Plan (USD $)
  • Inpatient Cover
  • Emergency Room
  • Ambulance
  • Semi-Private Room
  • Outpatient Cover
  • 10% off (CG members)

Comprehensive

Comprehensive plan with Standard features plus dental and wellbeing benefits
Annual Plan (USD $)
  • Inpatient Cover
  • Emergency Room
  • Ambulance
  • Semi-Private Room
  • Outpatient Cover
  • Dental Benefits
  • Wellbeing Benefits
  • 10% off (CG members)

Fully Comprehensive

Complete plan with all benefits including exclusive private rooms
Annual Plan (USD $)
  • Inpatient Cover
  • Emergency Room
  • Ambulance
  • Private Room
  • Outpatient Cover
  • Dental Benefits
  • Wellbeing Benefits
  • 10% off (CG members)

Reference

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Regency for Expats International Health Insurance

Product Brochure

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Regency for Expats International Health Insurance

Comparison Tables

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Regency for Expats International Health Insurance

How to Make a Claim

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Regency for Expats International Health Insurance

Claim Form

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Regency for Expats International Health Insurance

Beneficiary Form

Notes

Please note that the information provided here may be a summary, please read and fully understand the terms, conditions, exclusions and warranties of the policy wording which is available upon request.

Pay particular attention to General Exclusion 1 relating to pre-existing medical conditions.

If there is any part of the policy you do not understand or require any clarification, you should contact your professional insurance advisor.

The insurance policy contains a “cooling-off period”

If for any reason you feel that this cover or this policy is not suitable for you, you can cancel your policy and receive a full refund of any premiums paid. You must contact the insurance company within 14 days of the purchase of this policy and not have made a claim in order to receive a refund.

General exclusions apply to all sections of this insurance.
Regency for Expats will not cover the following:

1. Any claim relating directly or indirectly to any medical condition or related condition for which you have received treatment, had symptoms of, had knowledge existed or should have known existed, or you sought advice for prior to your date of entry (pre- existing medical condition).

2. Any claim relating directly or indirectly to an incident, injury or illness which you were aware of at the time you purchased this insurance and which could reasonably be expected to lead to a claim.

3. Chronic supportive treatment of renal failure, including dialysis unless the Chronic Conditions benefit is part of your plan.

4. Any costs relating to a chronic medical condition unless the Chronic Conditions benefit is part of your plan.

5. Treatment, which we determine on general advice, is either experimental, unproven, unlicensed or not medically necessary.

6. Treatment received on an inpatient basis where it is available on an outpatient basis or customary to be received as an outpatient.

7. Treatment for a terminal illness or any costs incurred from a hospice.

8. Costs incurred or treatment received at an institution such as a convalescent or nursing home.

9. Any claim relating directly or indirectly to a congenital anomaly or conditions, birth injuries, birth defects or any hereditary medical conditions of any kind.

10. Preventive medicines, and routine tests and physical examinations by a medical practitioner, including gynaecological investigations unless they appear on your benefits schedule. Normal hearing tests are excluded.

11. Non-medical / natural degenerative eye defects, including, but not limited to, myopia, presbyopia and astigmatism and any corrective surgery for non-
medical/natural degenerative sight defects. Normal eye tests are excluded unless they appear on your benefits schedule.

12. Costs of spectacles, lenses, contact lenses or any corrective eye devices.

13. Rehabilitation unless they appear on your benefits schedule.

14. Treatment received in health hydros, nature cure clinics, spas, or similar establishments. Services such as massages, hydrotherapy, Reiki, or other non-medical treatments.

15. Cost incurred while in or relating to a private room of a medical facility unless they appear on your benefits schedule.

16. Treatment given at establishments or a hospital where that facility has become the member’s home or permanent abode or where admission is arranged wholly or partly for domestic reasons.

17. Costs relating to cosmetic treatment or corrective treatment or any consequence thereof.

18. Treatment for weight loss or weight problems including, but not limited to bariatric procedures, obesity surgery or treatment, diet pills or supplements, health club memberships, diet programs and treatment in a residential treatment facility for eating disorders. Any complications arising from weight loss or other excluded procedures are not covered.

19. Alternative therapies unless they appear on your benefits schedule.

20. Costs incurred in connection with locating a replacement organ or any costs incurred for removal of the organ from the donor, transportation costs of same and all associated administration costs.

21. Any claim relating directly or indirectly to pregnancy, pregnancy terminations, pregnancy complications antenatal classes or midwifery costs, delivery costs, postnatal costs or any medical conditions relating to pregnancy or childbirth.

22. New born neo-natal care.

23. Treatment directly or indirectly arising from (or required in connection with) male and female birth control, sterilization (or its reversal). Infertility treatment (assisted conception) is excluded. Any complications of pregnancy and routine pregnancy costs resulting from infertility treatment (assisted conception) are excluded.

24. Treatment of impotence or any related condition or consequence thereof.

25. Treatment associated with a sex change and any consequence thereof.

26. Venereal disease or any other sexually transmitted diseases or any related condition.

27. Treatment for Human Immunodeficiency Virus (HIV) or HIV related illness, including Acquired Immune Deficiency Syndrome (AIDS) or AIDS related complex (ARC) or any similar infections, illnesses, injuries or medical conditions relating directly or indirectly to these conditions.

28. Costs in respect of a psychotherapist or psychologist unless they appear on your benefits schedule.

29. Treatment for learning difficulties, hyper-activity, attention deficit disorder, speech therapy and developmental, social or behavioural problems.

30. Any claim relating to alcohol, alcoholism, drug or substance abuse or any addictive condition of any kind and any injury or illness arising directly or indirectly from such abuse, addiction or use.

31. Any claim relating to suicide or attempted suicide, bodily injury or illness, which is wilfully self-inflicted or due to negligent or reckless behaviour.

32. Any injury sustained directly or indirectly as a result of the member acting illegally or committing or helping to commit a criminal offence.

33. Costs incurred while an inmate of a prison, jail or any correctional facility or while in any mental institution.

34. Costs and expenses incurred where a member has travelled against medical advice.

35. Evacuation expenses unless they appear on your benefits schedule. Air rescue, sea rescue or mountain rescue costs.

36. Travel and accommodation costs unless specifically agreed by us in writing prior to travel. No travel and accommodation costs are payable where treatment is obtained solely as an outpatient, including the costs of a hired car. Transportation costs from a ship, oil-rig platform or similar oil-shore location are not covered.

37. Treatment for sleep related disorders, including snoring, fatigue, jet lag or work- related stress or any related condition.

38. Dietary supplements or nutritional supplements and related substances that can be purchased without prescription, including, but not limited to, vitamins, minerals, organic substances, and infant formula given orally.

39. Home visits by a medical practitioner, specialist or qualified nurse unless specifically agreed by us in writing prior to consultation.

40. External prostheses, including their maintenance or fitting, any hearing aids or other equipment, medical or otherwise.

41. The following hazardous activities are excluded: playing professional sports and/ or taking part in motor sports of any kind; mountaineering, including potholing, spelunking or caving; high-altitude trekking over 2,500 metres; skiing off-piste or any other winter sports activity carried out off-piste; and Arctic or Antarctic expeditions.

42. Any claim arising as a result of your use of a two-wheeled motor vehicle unless:
1) As a passenger you wear a crash helmet and it is reasonable for you to believe that the driver holds a license to drive the two- wheeled motor vehicle under the laws of the country in which the accident occurs (if such a license is required under the laws of the country in which the accident occurs); or
2) As a driver you wear a crash helmet and you hold a license which permits you to drive the two-wheeled motor vehicle under the laws of the country in which the accident occurs and you have arranged adequate motor vehicle insurance coverage (if such a license and or insurance is required under the laws of the country in which the accident occurs).

43. Any claim arising as a result of you participating in motor racing, rally or vehicle racing of any kind.

44. Any claim involving you taking part in manual labour.

45. Any claim arising as a result of you failing to get the inoculations and vaccinations that you are reasonably required to receive.

46. Any claim arising from you acting in a way which goes against the advice of a medical practitioner.

47. Any costs for the following:
1) Telephone calls
2) Taxi fares
3) Food and drink (unless these form part of your hospital costs if you are kept as an inpatient)

48. Self-treatment, or treatment provided by a direct family member. This includes, but is not limited to, prescribed medication, diagnostic tests and surgical procedures.

49. All benefits are excluded unless they appear on your benefits schedule.

50. Any claim relating directly or indirectly to conflict/civil unrest or act of terrorism unless they appear on your benefits schedule.

51. Services which have not been recommended and prescribed by your attending physician or specialist.

52. Any consequential loss.

53. Costs incurred as a result of ionizing radiation, radioactive contamination, chemical contamination or nuclear contamination of any kind.

54. Costs incurred outside your geographical area of cover as stated on your certificate of insurance.

55. Costs incurred outside the period of cover or in any period in which the appropriate premium has not been paid.

56. Any excess, deductible or co-insurance for each benefit per condition per year.

57. Any second or subsequent medical opinions from a medical practitioner or specialist for the same medical condition unless agreed in writing by us.

58. Expenses which are recoverable from a third party.

59. Costs for genetic testing.

60. Treatment for, or arising from, deafness caused by ageing.

61. Costs relating to loss of hair and or any hair replacement.

62. Any costs relating to ear or body piercing or tattooing.

63. Costs incurred for the completion of any claim forms or the provision of any documents or reports needed to adjudicate a claim.

64. Costs relating to cryopreservation, implantation or reimplantation of living cells or living tissue.

65. Vaccinations or inoculations unless they appear on your benefits schedule.

66. Costs incurred due to complications caused by an illness, disease, injury or treatment for which cover is excluded or limited within this policy.

FAQ

No, this is not necessary. To make the process as simple as possible, once you have gained pre-authorisation for your treatment, Regency for Expats will contact the healthcare provider to arrange for the payment to be made direct.

During an emergency, you may not be in a position to notify us prior to your admission; in this event, please notify Regency for Expats as soon as it is possible so that we can arrange for your invoices to be settled directly where covered.

Yes. You have a 14-day cooling off period. If after reading the full terms and conditions and exclusions of your policy, you feel that the cover is not right for you, you can cancel your policy and receive a full refund under the terms of the 14-day cooling off period.

Yes, Regency for Expats includes dental cover under their Comprehensive and Fully Comprehensive international healthcare plans. You can find details on our website under Health Insurance.

Yes, Regency for Expats international health insurance includes outpatient treatment. You may undergo your consultation or treatment without first obtaining pre-authorisation from Regency. See how to make a claim for outpatient treatment.

Unfortunately, we cannot approve any claims relating directly or indirectly to any medical condition or related condition for which you have received treatment, had symptoms of, had knowledge existed or should have known existed, or you sought advice for prior to your date of entry.

If you are claiming for outpatient consultations, you need to download Regency for Expats’ claim form. Make sure that you take it to your appointment to be completed by the healthcare professional attending to you. Scan the completed claim form and any receipts, then email it to claims@regencyforexpats.com. You should keep the original documents as Regency for Expats may need to see them at a later date.

Yes, general exclusions apply to all sections of this international health insurance. Refer to the Regency for Expats International Health Insurance Brochure above and refer to the section headed ‘Exclusions’ for a full breakdown.

All inpatient and outpatient surgical procedures (except emergencies) must be pre-authorised by Regency for Expats prior to receiving treatment. If your treatment is covered, we will arrange for the payment to be made directly to the relevant medical provider. Contact Regency for Expats at claims@regencyforexpats.com.

Yes, your policy is globally mobile and you can transfer it with you anywhere in the world outside United States of America.

No, you can apply and get coverage same day without the need of a medical examination.

Yes, your entire family can get coverage and receive treatment anywhere in the world outside the United States of America.

There is an annual limit on each plan for the total amount you can claim each year but no limit to how many claims you can submit.

You can elect to receive treatment in any country in the world outside the United States of America.

You can elect to receive treatment from any appropriate medical practitioner of your choice in any medical facility.

Terrorism coverage is included on all plans for treatment that is required as a result of a medical condition sustained as a result of terrorism.

Live & Work Overseas worry-free

Protect yourself and your family with international health insurance and save with discounts.

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