AXA is the most unethical company I have ever dealt with. You would think after taking out a full cover health policy that you could rest assure you are covered. I was paying £80 per month for 2 years ( total nearly £2000 ) However when I become sick I was told there are no hospitals or services and they can only offer over the phone doctor service. Naturally Im fuming as they were in breach of the agreed contract. Months passed as I went down their unprofessional rude fabricating complaints procedure, I was told “ If you are willing to wait until April 2022 and AXA make a profit we will refund your money” After nearly a year of waiting I finally received the latter to say the profit works out to be £2 and that the £2 is too low to refund so they give it to charity ( AXA ) that letter is from the CEO Tracy Garrad. Please check this companies reviews on Trust Pilot and Google , my legal battle just beginning please don’t end up in the same situation. Next step lodged complaint with Trading Standards and FTC.