Service not a patch on what it used to be. It's impossible to actually get through to them by phone without taking time off. They sent me to see 2 consultants who have been as much use as a chocolate teapot. One consultant sent me for a scan at a hospital and as I couldn't get through to AXA on the phone I had to go along with it as I was in, and still am, in considerable pain. They now claim they won't pay for this scan as it wasn't done at one of their recommended places so I am now £300 out of pocket. I have no idea why this particular consultant sent me to this hospital other than he is trying to put money into the nhs but I have a feeling he knew all along that my insurers wouldn't pay. This consultant has just left me with no follow up and no idea why I am still in pain and the whole thing has taken months from start to finish, which defeats the object of having private health insurance. I have raised a complaint over 6 weeks ago and I still haven't received a reply. I am going to speak to my employer to see if they can change who they use.