Expats abroad
Settling somewhere new
Living or working overseas long-term, with the choice to be treated where you are or back home - dependable hospital and specialist care either way.
4.4/5
Trustpilot
Serious health cover, wherever you live life.
One policy for life across borders - a GP visit in Lisbon, a hospital stay in Bangkok, a specialist in Cape Town. Cover in more than 190 countries, arranged with a real adviser who knows the detail.
190+ countries covered
Cover live within 24 hours
Ages 0-70
"I've had two claims, and can only speak highly of the claims process and the speed the funds were returned to my account. Quick, without any delay or hassle."
Ray, Netherlands · Verified on TrustpilotInstant quote - no sign-up, no email required
Instant quote
30 secondsMajor Medical
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Set premium in USD for your age, location and cover level. The same for everyone - no loadings for medical history. Treatment in the USA is not included.
Underwritten by Regency AssuranceLicensed & regulated insurer
99%of claims paid
190+countries covered
$2Mmaximum cover
4.4/5
Trustpilot
Who it's for
Built for a life that crosses borders
Ordinary travel insurance and local schemes leave gaps the moment you settle somewhere new. This is proper medical cover for a life lived abroad.
Digital nomads
Always on the move
Switching countries through the year. One policy that keeps up, rather than restarting cover every time you land somewhere new.
Families
Looking after everyone
Cover from a day old to age 70, with outpatient, dental and optical you can add as your family's needs change.
Cover & plans
Four levels. One honest choice.
Start with hospital and surgery, then add everyday care, dental and optical. Prices are fixed and fair - everyone pays the same for their age, location and cover level, with no loadings for medical history. Figures shown are the lowest monthly premium for each level.
Major Medical
$1M limit · hospital & surgery
From$55 / month
- Inpatient hospital & surgery
- Intensive care & emergency treatment
- Cancer care & kidney dialysis
- Everyday outpatient care
Most popular
Standard
$1M limit · hospital + everyday care
From$82 / month
- Everything in Major Medical
- GP & specialist consultations
- Prescribed medication
- Imaging & laboratory tests
Comprehensive
$1M limit · adds specialist benefits
From$111 / month
- Everything in Standard
- Rehabilitation & physiotherapy
- Organ transplant & chronic care
- Preventive, dental & optical
Fully Comprehensive
$2M limit · our highest cover
From$139 / month
- Everything in Comprehensive
- Unlimited surgeon & anaesthetist fees
- Private room & extended rehab
- Routine & major dental, plus optical
What's included
See exactly what each level covers
Each level builds on the one before it. Tab through the four to see the full detail - limits, everyday care, dental and optical, and the global security cover that's included as standard on every plan.
Optional: international medical evacuation & repatriation. Add to any plan for $275 / year per person - up to $100,000 of cover for medically necessary evacuation to reach better facilities, and repatriation to your home country. The same annual price whatever your age or location, and it's billed on the same terms as your policy. Add it when you get your quote.
Not covered on any plan
Treatment in the USAMedical expenses in any of the 50 US states, at every level.
Pre-existing conditionsAny condition, illness or injury that existed before your policy start date.
Maternity & pregnancyAntenatal care, childbirth, postnatal care and pregnancy complications.
Cosmetic & elective proceduresTreatment that is not medically necessary.
Self-inflicted injuriesInjuries resulting from deliberate self-harm.
Active war zones & substance abuseTreatment from active armed conflict, or drug and alcohol dependency programmes.
Included with your cover
More than medical cover - every member gets LiveLife
Your Regency policy comes with LiveLife, Regency's wellbeing membership - the support to live life to the full, wherever you are.
Fitness
Programmes from qualified fitness professionals.
Mindfulness
Access to professional counsellors and therapists.
Nutrition
Personalised plans from qualified experts.
Experiences
A worldwide network of lifestyle experiences.
Why Regency
The reassurance of an established insurer, without the runaround
99% of claims paid
Regency Assurance pays 99% of the claims it receives - comfortably above the industry norm of around 80%.
Support around the clock, 365 days a year
Once you're covered, Regency's claims and emergency assistance line is open every hour of every day - wherever you are, a real person answers.
Direct billing with hospitals
For inpatient care we arrange to settle with the hospital directly where possible, so you're not left paying large bills up front.
Genuinely global
One policy covering 190+ countries, so your cover doesn't reset or lapse each time you move on to the next place.
How it works
Two ways in - whichever suits you
Most people like to talk it through first; some would rather do it all online. Both routes reach the same cover, live within 24 hours of approval.
1
Talk to us, or get a price
Speak to a Regency adviser about what fits, or use the instant quote to see set prices yourself.
2
Choose your level of cover
Pick the plan that suits your life and budget - the price is fixed for your age, location and cover.
3
A short health declaration
Answer a few straightforward medical questions. No exams and no paperwork - about five minutes.
4
Covered within 24 hours
Once approved and paid, your policy documents are issued and your cover is live, usually the same working day.
When it matters
What your cover looks like in real life
Illustrative examples of the kind of care these plans are built for.
Bangkok, Thailand
Emergency surgery after an accident
An unexpected admission and operation. Inpatient care and surgeon's fees are covered, with the hospital billed directly rather than you paying up front.
Covered on all plans
Lisbon, Portugal
Ongoing specialist consultations
A referral to a specialist, follow-up appointments and prescribed medication - covered once you've added outpatient care on Standard or above.
Standard cover and above
Bali, Indonesia
International medical evacuation
When the right treatment isn't available where you are, and a doctor confirms it's medically necessary, you can be moved - by air if needed - to reach better facilities, including in another country. Up to $100,000 of cover.
Optional add-on · $275/year per person
Reviews
4.4/5 on Trustpilot
Trusted by members around the world
Support from all the team
"The support from all the team at Regency was excellent. I received telephone calls and constant emails to keep me up to date with information regarding my claim. A first class service, and I can recommend Regency for health insurance."
Claims are paid out within days
"Claims are paid out within days, and email communication is great. I have never had a valid claim rejected. The communication and service is exceptional - I would recommend without hesitation."
First class service
"Great service, and they couldn't do enough for me. I hope there's no need to ever have to claim on it, but I feel very safe in the knowledge that if things did go wrong I have a very professional company behind me."
Talk to a real person
Not sure which plan fits? Let's talk it through.
Request a callback and one of Regency's dedicated advisers will get in touch - no scripts, no pressure. They'll help you weigh up the options and confirm the right cover for your situation. And once you're covered, Regency's claims and emergency line is there 24/7, every day of the year.
Request a callback
Leave your details and a Regency adviser will call you back at a time that suits. We'll only use these to help with your enquiry.
Good to know
Questions people usually ask
More than 190 countries worldwide. The main exclusion is medical treatment within the United States, which these plans don't cover. Your premium depends in part on your region of residence.
Cover runs for one year and is renewable annually. You're covered for twelve months at a time, then simply renew each year to keep your policy in place.
An instant quote takes about 30 seconds and the application around five minutes. Once approved and paid, your cover is usually live within 24 hours on a working day.
Not at all. You can do everything online if you prefer, but most people like to speak to an adviser first. Request a callback or call us directly and we'll guide you through it.
No - pre-existing medical conditions aren't covered under these plans. If you're not sure whether something would count as pre-existing, an adviser can talk it through with you before you apply.
You can pay annually, every six months, quarterly or monthly. Monthly is our standard rate, and paying upfront earns a discount: quarterly saves 3%, six-monthly 7%, and annually 14% - the best value. Your adviser sets it all out clearly.