Regency for Expats Insurance in China

Regency for Expats is a relatively new insurance provider out of Caribbean Islands. They have their own parent company as a reinsurer. All of the the policies get issues out of Central American. Typically, area of cover is Worldwide except US but they do have global plans too available. Expats and foreigners tend to buy insurance to cover without US as it is more cost effective.

As they did not manage to obtain license to sell their health insurance plans in China, you will have to purchase it out of their HQ. This one is in Saint Kitts islands. Regency only has 4 plans available. You cannot adjust cover on any of them. On the other hand, plans are quite rich in core and cover certain things which you won’t find from other companies. For instance, expenses related to acts of terrorism, or even kidnapping.

Regency for Expats doesn’t support any direct billing services for outpatient care. Which means, any doctor visits under the plans are on a pay and claim basis. Enrollment on the plans is relatively easy as they don’t ask any past medical history. That means all claims will be investigated and reconfirmed with treating doctors whether first day of symptoms for your visit happened while the plan was active or prior to it. Claim reimbursement will depend on this. Below is a summary of their insurance plans.