I've been dealing with insurance companies all my life and this was the first time I opted for Axa falling for their sales guy. This is the worst experience in my life from an insurance company. Their only objective is to reject your claim at any cost. I was asked by the doctor to undergo surgery for a medical condition which I didn't know I was having although this started developing 2 yrs ago as per medical reports. They rejected the claim saying this is undeclared pre existing condition. Now I have to 11000 aed to do the surgery. If there was an option to rate them zero I would've done that. worst experience ever