Direct Hospital Billing
Nothing to pay up front at more than 800 leading hospitals across Asia, the Middle East, Europe and further afield.
Premium worldwide cover, billed directly at more than 800 leading hospitals, with multilingual support at any hour and cover that starts the same day.
Full worldwide cover written specifically for expats, with the local benefits that count wherever you happen to live.
Nothing to pay up front at more than 800 leading hospitals across Asia, the Middle East, Europe and further afield.
Your cover travels with you anywhere in the world (the USA is excluded, with an optional add-on), which suits frequent travellers.
Emergency medical evacuation and repatriation come as standard, up to your full plan limit.
Apply today and you are covered today. There is no 30-day wait, and existing cover can be carried across.
A real person answers in English, French, German, Spanish or Mandarin, whatever the hour or day.
Scan your receipts and email them over. You are reimbursed in days rather than weeks, with no paperwork to post.
All four plan tiers set side by side. Every limit shown applies per insured person, per plan year.
| Benefit | Major Medical | Standard | Comprehensive | Fully Comprehensive |
|---|---|---|---|---|
| Overall Plan Limit (per year) | ||||
| Annual maximum benefit | US$1,000,000 | US$1,000,000 | US$1,000,000 | US$2,000,000 |
| Coverage area | Worldwide excl. USA | Worldwide excl. USA | Worldwide excl. USA | Worldwide excl. USA |
| Choice of hospital | ✓ Open | ✓ Open | ✓ Open | ✓ Open |
| Inpatient Benefits | ||||
| Room & Board (incl. general nursing) | Semi-Private | Semi-Private | Semi-Private | Full Cover |
| Parental Accommodation (shared bed, same room) | — | — | ✓ Full Cover | ✓ Full Cover |
| Theatre, scans, diagnostics, medicines, blood & plasma | ✓ Full Cover | ✓ Full Cover | ✓ Full Cover | ✓ Full Cover |
| Intensive Care | ✓ Full Cover | ✓ Full Cover | ✓ Full Cover | ✓ Full Cover |
| Surgeon's Fees (incl. op & post-surgical) | US$25,000 | US$25,000 | US$25,000 | Full Cover |
| Anaesthetist Fees | 30% of Surgeon's Fees | 30% of Surgeon's Fees | 30% of Surgeon's Fees | Full Cover |
| Professional Fees (Physician, Specialist, Radiologist, Physio, Pathologist) | US$25,000 | US$25,000 | US$25,000 | Full Cover |
| Rehabilitation | — | — | 30 Days | 45 Days |
| Kidney Dialysis | ✓ Full Cover | ✓ Full Cover | ✓ Full Cover | ✓ Full Cover |
| Oncology | US$20,000 | US$20,000 | US$20,000 | Full Cover |
| Emergency Room Treatment | ✓ Full Cover | ✓ Full Cover | ✓ Full Cover | ✓ Full Cover |
| Organ Transplant | — | — | US$100,000 | Full Cover |
| Local Ambulance to Hospital | ✓ Full Cover | ✓ Full Cover | ✓ Full Cover | ✓ Full Cover |
| Hospital Cash Benefit | US$100/day | US$100/day | US$100/day | US$200/day |
| Outpatient Benefits | ||||
| Outpatient consultations, prescriptions & diagnostics | — | US$32,000 | US$54,000 | ✓ Full Cover |
| Annual checkups, vaccinations & eye tests | — | — | ✓ Included | ✓ Included |
| Dental Benefits | ||||
| Emergency Dental | — | — | ✓ Included | ✓ Included |
| Major Dental | — | — | ✓ Included | ✓ Included |
| Routine Dental | — | — | — | ✓ Included |
| Wellbeing Benefits FREE on every plan | ||||
| Fitness Benefits | ✓ Included | ✓ Included | ✓ Included | ✓ Included |
| Nutrition Benefits | ✓ Included | ✓ Included | ✓ Included | ✓ Included |
| Psychology Benefits FREE on every plan | ||||
| Mental wellbeing & counselling support | ✓ Included | ✓ Included | ✓ Included | ✓ Included |
| Global Security Benefits FREE on every plan | ||||
| Security advisory & emergency response | ✓ Included | ✓ Included | ✓ Included | ✓ Included |
| International Assistance | ||||
| 24/7 Multilingual Helpline | ✓ Included | ✓ Included | ✓ Included | ✓ Included |
| Same-Day Activation | ✓ Included | ✓ Included | ✓ Included | ✓ Included |
| Life Cover | ||||
| Death Benefit (paid to next of kin / estate) | US$10,000 | US$10,000 | US$10,000 | US$10,000 |
| Optional Benefits | ||||
| Evacuation & Repatriation | US$100,000 | US$100,000 | US$100,000 | US$100,000 |
All limits are per insured person, per plan year. Outpatient pre-authorisation applies for treatment in the USA on Comprehensive plans and above. Final premiums and underwriting subject to confirmation by Regency. Speak with a specialist for the full policy wording.
Complete the form above and our specialists compare leading global insurers against your profile.
Talk it through with an advisor, with no pressure, and settle on the plan that matches your needs and budget.
Pay online and your policy documents arrive immediately, so the cover is usable the same day.