Axa doctors ask if you ever had a bacterial infection in the past, given your decades of existence, and if you are say you did - well, that is a pre-existing condition. They definitely behave like some PPI scammers who would do anything to get your money and offer you nothing. New conditions that you specify you have not suffered from, all of the sudden become pre-existing because of an interpretation of the words. In my 7 months of insurance with them, as a healthy individual in my 30s, I have had the worst experience with them. Definitely an insurance service I will not repeat again. Remember, if you had bronchitis when you were 15, you will never get a chest consultation with them - this was confirmed by their senior staff today. Honestly, appalling, an actual fraud of a service.