I am still trying to figure out if this company is a scam or their service is that terrible. I cannot work due to an illness and I had a running contract „Berufsunfähigkeit Versicherung“ so I put in a claim and submitted necessary paper work on the 23 rd of October. In November I follow up with my Axa advisor to which he does not respond to any of my emails. I then email the Axa customer service team and they tell me they have no documentation. On the 1st of December I resubmit my documentation electronically. I ask for feedback and some level of accountability I once again get no response. On the 13th of Dec I then get a letter informing me that they are still waiting for my documentation from October to be submitted. I really don’t know if this is a stalling tactic or the level of service is just appalling. I would not recommend any product from Axa. All is well and running until you have to claim then all of a sudden communication stops.