The worse ever! Do not fall for the selling BS talk. They promise so much and deliver too, too poorly. Axa is happy to get you to sign up, promising you a list of hundreds of approved specialists they "work with" and are very happy and silent while receiving monthly payments, until you "God forbid" actually have to - YOUSELF" - submit a claim. They will manipulate the online forms and questionnaires to trap you, and will use any information you enter to throw your diagnosis (even if you received it after the membership) into the "oh so famous pre existing condition" pool, even if your GP made a mistake about what you told him/her. AXA does not care about you. It's all about the money...The customer service is the worse!!! Arrogant and rude to the point of threatening you. They promise a list of hundreds of specialists and in reality refuse your claims when you need it, due to random symptoms reported before that could be anything else before your actual diagnosis, and you were not fully diagnosed yet... they send a text message and give you -one single doctor- that is approved by them ( which in reality is far from what they try to talk you into, and send you to the cheapest places. The only claim they took from me was for an MRI on a damn mobile truck that I had to climb on to while in excruciating back pain, while they made it sound to be in an actual hospital building. They do not give an F who you are, what you or your kids are dealing with, or what you have already paid for, all they care is to make money and not deal with claims. THE ABSOLUTE WORSE!