I have paid for an AXA plan for my whole family for almost a year now and I have yet to have them pay for ANY of my healthcare. They make it impossible to actually see a doctor, often trekking you they will send you a list of approved doctors, but never do, so you have to wait in hold... Again. They told me they would personally hey on touch with my GP to get information they needed for a claim, and so they did was email the clinic! No way a surgery is going to send info over email. So, AXA didn't do any more, and didn't tell me! So I've been waiting around, in pain, waiting to see a specialist for joint pain, but can't. I've been waiting, in pain, for 3 weeks how and they still have not given me ANYTHING. STAY AWAY!