DO NOT EVER USE AXA OR COVERWISE. THIS COMPANY IS BEYOND A JOKE, A CON. I HAVE BEEN WAITING FOR OVER THREE MONTHS FOR MY MEDICAL CASE TO BE REVIEWED. I HAVE CALLED ALMOST WEEKLY, TO BE TOLD THE SAME THING EACH TIME. USELESS, UNHELPFUL STAFF. ASK TO SPEAK TO A MANAGER, AND FUNNILY ENOUGH THERE IS NO MANAGER AVAILABLE. AT ONE STAGE I WAS TOLD ALL AUTHORISED AND THAT I WOULD RECEIVE A LETTER DETAILING MONEY TO BE REFUNDED TO ME. ONLY TO RECEIVE AN EMAIL TWO DAYS LATER ASKING FOR MEDICAL HISTORY… THIS WAS ONE MONTH AFTER THE CLAIM WAS INITIALLY LOGGED. I SENT MEDICAL HISTORY THE FOLLOWING DAY. I CALLED A WEEK LATER AS I HAD NOT HEARD FROM THEM, AND WAS TOLD WAIT FIVE DAYS FOR REVIEW, AS THEY HAD NOT SEEN I HAD SENT WHAT THEY HAD ASKED FOR. SINCE THEN I HAVE CALLED WEEKLY TO FOLLOW UP, AND EVERYTIME I AM TOLD TO WAIT ANOTHER FIVE DAYS AS THE MEDICAL HISTORY STILL HAS NOT BEEN REVIEWED. IN THE MEANTIME, I AM GETTING CHARGED INTEREST ON MY CREDIT CARD AS I AM STILL WAITING REIMBURSEMENT FROM THIS JOKE OF A COMPANY. THIS COMPANY IS A CON. DO NOT USE THEM. RIP OFF. CON ARTISTS.