I would not even give one star. They deserve zero My whole family insured with them for over forty years paying a fortune for peace of mind in our elderly years. Axa has given me so much stress I have had panic attacks and high blood pressure. Long story to cut it short. I have the pre authorisation my surgery is Monday. All preauthorised. Lindo Wing Saint Mary’s london call me to say Axa says they will not coved me. This has been going on for over a year I had to go to ombudsman. We thought all sorted out. I am so stressed. A lovely Axa lady Tereza is trying to sort out for me. It seems their systems are down. This is not the first incident. They were refusing to pay for my brother who had to be admitted into accident and emergency. After much fighting they paid the hospital. It was only a small bill. Everything is so difficult. I wish I had never joined Axa. Would not recommend them to anyone. Huge premiums which go up every year. My surgery is due on Monday. Unsure whether it will go ahead I am so stressed and blood pressure so high. Is this the peace of mind Axa promises!?