A Regency Assurance Company — trusted international health insurance in over 120 countries
Price depends on your plan, age, area and number of insured persons
Choose from five levels of cover, from budget inpatient to full worldwide protection
| Coverage / Feature | Essential | Major Medical | Standard | Comprehensive | Fully Comprehensive | |||||
|---|---|---|---|---|---|---|---|---|---|---|
| Key facts5 | ||||||||||
| Product type | EssentialBudget emergency inpatient cover, state facilities only | Major MedicalWorldwide inpatient plan, no outpatient | StandardWorldwide inpatient + outpatient plan | ComprehensiveWorldwide inpatient + outpatient, dental & wellbeing | Fully ComprehensiveFull worldwide plan, private room, full cover on most benefits | |||||
| Overall / Maximum Plan Limit per year | Essential100,000 USD | Major Medical1,000,000 USD | Standard1,000,000 USD | Comprehensive1,000,000 USD | Fully Comprehensive2,000,000 USD | |||||
| Area of cover | EssentialState medical facilities | Major MedicalWorldwide excl. USA | StandardWorldwide excl. USA | ComprehensiveWorldwide excl. USA | Fully ComprehensiveWorldwide excl. USA | |||||
| Enrolled age | EssentialUp to 80 | Major MedicalUp to 70 | StandardUp to 70 | ComprehensiveUp to 70 | Fully ComprehensiveUp to 70 | |||||
| Renewal | EssentialNo age limit for renewals | Major MedicalNo age limit for renewals | StandardNo age limit for renewals | ComprehensiveNo age limit for renewals | Fully ComprehensiveNo age limit for renewals | |||||
| Hospital & surgery8 | ||||||||||
| Room & board (incl. general nursing care) | Essential100 USD per day | Major MedicalSemi-Private | StandardSemi-Private | ComprehensiveSemi-Private | Fully ComprehensiveFull Cover (Private Room) | |||||
| Medical provider access | EssentialState facilities only | Major Medical – Fully ComprehensiveAny medical facility of choice | Major MedicalAny medical facility of choice | StandardAny medical facility of choice | ComprehensiveAny medical facility of choice | Fully ComprehensiveAny medical facility of choice | ||||
| Surgeon's Fees (incl. pre- & post-surgical services) | Essential3,000 USD | Major Medical25,000 USD | Standard25,000 USD | Comprehensive25,000 USD | Fully ComprehensiveFull Cover | |||||
| Anesthetist's Fees | Essential300 USD | Major Medical30% of Surgeon's Fees | Standard30% of Surgeon's Fees | Comprehensive30% of Surgeon's Fees | Fully ComprehensiveFull Cover | |||||
| Outpatient Surgical (no admission) | EssentialNo Cover (inpatient plan only) | Major MedicalNo Cover | Standard25,000 USD | Comprehensive25,000 USD | Fully ComprehensiveFull Cover | |||||
| Professional Fees (physician, specialist, radiologist, physio, pathologist) | Essential300 USD | Major Medical25,000 USD | Standard25,000 USD | Comprehensive25,000 USD | Fully ComprehensiveFull Cover | |||||
| Theatre fees; x-rays; labs; medicines; blood/plasma; appliances; wheelchairs | Essential1,500 USD | Major MedicalFull Cover | StandardFull Cover | ComprehensiveFull Cover | Fully ComprehensiveFull Cover | |||||
| Intensive Care (Room & Board incl. general nursing) | Essential150 USD per day | Major MedicalFull Cover | StandardFull Cover | ComprehensiveFull Cover | Fully ComprehensiveFull Cover | |||||
| Specialist & emergency care7 | ||||||||||
| Rehabilitation Cover | EssentialNo Cover | Major MedicalNo Cover | StandardNo Cover | ComprehensiveFull Cover, 30 days | Fully ComprehensiveFull Cover, 45 days | |||||
| Kidney Dialysis | Essential300 USD | Major MedicalFull Cover | StandardFull Cover | ComprehensiveFull Cover | Fully ComprehensiveFull Cover | |||||
| Organ Transplant Cover | EssentialNo Cover | Major MedicalNo Cover | StandardNo Cover | Comprehensive100,000 USD | Fully ComprehensiveFull Cover | |||||
| Parental Accommodation (added bed, same room) | EssentialNo Cover | Major MedicalNo Cover | StandardNo Cover | ComprehensiveFull Cover | Fully ComprehensiveFull Cover | |||||
| Emergency Room Treatment | Essential3,000 USD | Major MedicalFull Cover | StandardFull Cover | ComprehensiveFull Cover | Fully ComprehensiveFull Cover | |||||
| Local Ambulance to Hospital | EssentialFull Cover | Major MedicalFull Cover | StandardFull Cover | ComprehensiveFull Cover | Fully ComprehensiveFull Cover | |||||
| Hospital Cash Benefit | Essential15 USD | Major Medical100 USD/day | Standard100 USD/day | Comprehensive100 USD/day | Fully Comprehensive200 USD/day | |||||
| Outpatient, dental & extras7 | ||||||||||
| Outpatient (OPD) | EssentialNo Cover | Major MedicalNo Cover | Standard750 USD per benefit type (GP, specialist, meds, imaging) | Comprehensive750 USD per benefit type + 750 USD physio, 5 visits | Fully ComprehensiveFull Cover, incl. 10 physio visits | |||||
| Dental | EssentialNo Cover | Major MedicalNo Cover | StandardNo Cover | ComprehensiveMajor Dental 750 USD (25% co-ins.); Emergency Dental inpatient only | Fully ComprehensiveRoutine + Major Dental 750 USD each; Emergency Dental Full Cover | |||||
| Optical | EssentialNo Cover | Major MedicalNo Cover | StandardNo Cover | ComprehensiveNo Cover | Fully ComprehensiveNo Cover | |||||
| Maternity | EssentialExcluded | Major MedicalExcluded | StandardExcluded | ComprehensiveExcluded | Fully ComprehensiveExcluded | |||||
| Wellbeing / health screening | EssentialNo Cover | Major MedicalNo Cover | StandardNo Cover | Comprehensive250 USD, 25% co-insurance | Fully Comprehensive500 USD | |||||
| Oncology Cover | Essential3,000 USD | Major Medical20,000 USD | Standard20,000 USD | Comprehensive20,000 USD (in + outpatient) | Fully ComprehensiveFull Cover | |||||
| Death Benefit (life cover) | EssentialNo Cover | Major Medical10,000 USD | Standard10,000 USD | Comprehensive10,000 USD | Fully Comprehensive10,000 USD | |||||
| Security & evacuation7 | ||||||||||
| Global Security — Terrorism | Essential50,000 USD | Major Medical50,000 USD | Standard100,000 USD | Comprehensive150,000 USD | Fully ComprehensiveFull Cover | |||||
| Hostage Negotiation | Essential10,000 USD | Major MedicalFull Cover | StandardFull Cover | ComprehensiveFull Cover | Fully ComprehensiveFull Cover | |||||
| Hijacking | Essential50 USD/day, 10 days | Major Medical100 USD/day, 10 days | Standard200 USD/day, 10 days | Comprehensive300 USD/day, 10 days | Fully Comprehensive500 USD/day | |||||
| Mugging | Essential50 USD/day, 5 days | Major Medical100 USD/day, 5 days | Standard100 USD/day, 5 days | Comprehensive100 USD/day, 5 days | Fully Comprehensive100 USD/day, 5 days | |||||
| Psychology counselling / coaching | EssentialNo Cover | Major Medical5 sessions each | Standard5 sessions each | Comprehensive8 sessions each | Fully Comprehensive10 sessions each | |||||
| Evacuation & repatriation | EssentialNot available | Major Medical – Fully ComprehensiveOptional, 100,000 USD, 275 USD/person | Major MedicalOptional, 100,000 USD, 275 USD/person | StandardOptional, 100,000 USD, 275 USD/person | ComprehensiveOptional, 100,000 USD, 275 USD/person | Fully ComprehensiveOptional, 100,000 USD, 275 USD/person | ||||
| No-claim / loyalty benefit / Family discount | EssentialNO | Major MedicalNO | StandardNO | ComprehensiveNO | Fully ComprehensiveNO | |||||
| Terms & service9 | ||||||||||
| Cashless hospital network | EssentialState hospitals only | Major Medical – Fully ComprehensiveDirect Settlement network + any facility | Major MedicalDirect Settlement network + any facility | StandardDirect Settlement network + any facility | ComprehensiveDirect Settlement network + any facility | Fully ComprehensiveDirect Settlement network + any facility | ||||
| Payment options | All plansAnnual / Monthly / Quarterly / Semi-Annual | EssentialAnnual / Monthly / Quarterly / Semi-Annual | Major MedicalAnnual / Monthly / Quarterly / Semi-Annual | StandardAnnual / Monthly / Quarterly / Semi-Annual | ComprehensiveAnnual / Monthly / Quarterly / Semi-Annual | Fully ComprehensiveAnnual / Monthly / Quarterly / Semi-Annual | ||||
| Waiting period | EssentialNo | Major MedicalNone general; pre-existing permanently excluded | StandardNone general; pre-existing permanently excluded | ComprehensiveDental 6 months; pre-existing permanently excluded | Fully ComprehensiveDental 6 months; pre-existing permanently excluded | |||||
| For Thai people / Foreigners | EssentialYes (state facilities) | Major MedicalYES — Direct billing, private hospitals in Thailand / State hospitals only | StandardYES — Direct billing, hospitals overseas | ComprehensiveNO — Inpatient: Direct Settlement/GOP where available; Outpatient: pay & claim | Fully ComprehensiveDirect billing, government hospitals | |||||
| Reimbursement time | EssentialNot quantified | Major Medical – Fully Comprehensive"Fast Track" claims service (~1.7 days per marketing deck) | Major Medical"Fast Track" claims service (~1.7 days per marketing deck) | Standard"Fast Track" claims service (~1.7 days per marketing deck) | Comprehensive"Fast Track" claims service (~1.7 days per marketing deck) | Fully Comprehensive"Fast Track" claims service (~1.7 days per marketing deck) | ||||
| Delay starting date | EssentialNo | Major MedicalUp to 120 days | StandardUp to 120 days | ComprehensiveUp to 120 days | Fully ComprehensiveUp to 120 days | |||||
| Application / underwriting | All plansSimplified Health Application; guaranteed acceptance, no medical questions; COI issued in 2–3 hours | EssentialSimplified Health Application; guaranteed acceptance, no medical questions; COI issued in 2–3 hours | Major MedicalSimplified Health Application; guaranteed acceptance, no medical questions; COI issued in 2–3 hours | StandardSimplified Health Application; guaranteed acceptance, no medical questions; COI issued in 2–3 hours | ComprehensiveSimplified Health Application; guaranteed acceptance, no medical questions; COI issued in 2–3 hours | Fully ComprehensiveSimplified Health Application; guaranteed acceptance, no medical questions; COI issued in 2–3 hours | ||||
| Best fit for | EssentialCost-conscious clients accepting state-hospital-only cover | Major MedicalBudget worldwide inpatient-only cover, no outpatient needs | StandardWorldwide cover + everyday outpatient needs | ComprehensiveAdds dental & wellbeing to Standard | Fully ComprehensiveClients wanting the fullest worldwide cover with private room | |||||
| Optional Co-insurance | EssentialNot available | Major Medical – Fully Comprehensive20% co-insurance option — client pays 20%, Regency pays 80%; premium reduced by 25% | Major Medical20% co-insurance option — client pays 20%, Regency pays 80%; premium reduced by 25% | Standard20% co-insurance option — client pays 20%, Regency pays 80%; premium reduced by 25% | Comprehensive20% co-insurance option — client pays 20%, Regency pays 80%; premium reduced by 25% | Fully Comprehensive20% co-insurance option — client pays 20%, Regency pays 80%; premium reduced by 25% | ||||
Lower your premium, keep full protection
Talk to our consultant to build the most cost-effective plan for you.
Get detailed information about each Regency for Expats plan
How to reach our assistance team and submit a claim.
Get your treatment
Receive medical care at any hospital or clinic covered by your plan.
Gather your documents
Collect the medical report, invoices and receipts for the treatment received.
Complete claims form
Fill in the Regency Global Assistance claim form and attach all supporting documents.
Hospital list for the Direct Settlement Network is available on request.
Regency for Expats Health Insurance
Up to 80 for Essential, up to 70 for all other plans. No age limit for renewals.
No, Regency uses a Simplified Health Application with guaranteed acceptance; COI is issued within 2–3 hours.
No plan has a deductible by default. You can optionally choose 20% co-insurance to reduce your premium by 25%.
Yes, the co-insurance premium reduction and the partner discount can both be applied.
No, pre-existing conditions are permanently excluded on all plans.
It’s an optional add-on (US$100,000 limit, +US$275/person/year) on all plans except Essential.
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