My mum was on holiday in america and was hospitalized.she rang axa and they gave the hospital permission for my mum to be treated on her insurance policy and they would pay the bill.my mum died 6 months later in the uk of cancer.Axa claimed they had paid the Bill's yet they have not paid 1 penny.my mum paid 3k of her own money to the hospital as in the usa healthcare is not free at the point of contact they want money up front.its been nearly 2 years trying to get axa to pay up.we have got the financial ombudsman on the case aswell.utterly diabolical dont touchvthem with a barge poll