By FAR, the worst Heath insurance company i have had the misfortune of having to use. I have being paying into my insurance for over 4 years and not made a single claim. now i have had to make a claim for lower back pain and to use an Osteopath. An Osteopath that is actually registered with AXA and one i was told i can use. only for AXA to write to me 2 treatments later and tell me that £60 per one hour session is too expensive!! The company are a complete shambles, i have been twice now waiting over 40 minutes to speak to someone. and the phone number i was given on an email is the "Wrong" number and so transferred and currently waiting 25 minutes so far. If you have any power, i would advise to steer clear of AXA Health at all costs.