Axa personal health insurance - awful experience. To put a claim I had to call, online facility was not available with my policy as I discovered! When signing for a policy the marketing material specifically promised online claims management, which if NOT true. So I had to on hold with AXA call centre, 5 days in a row, at least for 30 min at a time to be given a run around. 6 working days later, I am still waiting for the outcome of my claim. Every agent I manage to speak to, stated that they are looking into the claim. But no progress, they don't have records, they are busy etc. Misrepresentation and poor service, would not recommend AXA Health insurance to anyone