Focused on finding reasons not to cover rather than helping customer
Extremely disappointing and, in my experience, deeply misleading.
AXA seems to play on words and interpret medical information in the most convenient way possible to avoid providing cover. Despite having clear medical documentation supporting the need for the investigations, they found a way to reject the claim based on how the situation was worded.
It feels like they are looking for technicalities rather than genuinely assessing the medical necessity of the treatment. You pay for private health insurance expecting support when you need it, only to discover that the insurer can manipulate the interpretation of wording to avoid paying.
The whole process has been frustrating, with poor communication and very little willingness to actually resolve the issue.
Based on my experience, I would seriously question the value of AXA health insurance. When it comes to making a claim, they seem far more interested in finding reasons not to cover you than in helping their customers.