They do not work with some nationalities such as Russians, Belarusians and Ukrainians. They denied me service due to my nationality. We live in 21st century. I can not even apply for insurance: my nationality is not in the list. I live in Dubai around 3 years and cannot get service or insurance шт AXA because of my passport. When I called them they said "We just do not work with some nationalities. And it does not matter for us where you live. We have our own rules. And we follow our management decisions. Bye!" Terrible discrimination. The worst company I have ever seen to be honest!