AXA Health Insurance

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AXA Health Insurance

Overview

The AXA health insurance policy was created more than two centuries ago in 1816, when AXA opened its doors in Paris, France. This French multinational insurance giant has spent close to 70 years in the Middle East market, offering competitively priced insurance and international scope of coverage that very few insurance providers could hope to cover.

AXA medical insurance can be availed of across numerous GCC countries such as Oman, Bahrain, Qatar and the UAE. AXA health insurance has spent decades understanding the Middle East market in order to create the aptest health insurance policy.  Intensive research and decades of experience serving the Middle Eastern market lead to the creation of the ‘Health Perfect’ AXA medical insurance plans.

There are 7 variants of this AXA health insurance plan, which are further segregated by customer type into the AXA medical insurance plan for Abu Dhabi residents and the AXA medical insurance plan for residents of Dubai and the other northern Emirates.

Features & Benefits of AXA Health Insurance

AXA health insurance offers a plethora of world class features and benefits, which are expanded upon below:

Seamless Connectivity

AXA boasts of an extremely impressive international presence, with branches across nearly every continent in the world. As such, AXA health insurance is offered across tons of countries all over the world. The AXA medical insurance is available across thousands of hospitals, clinics and other medical outlets all over the world, ensuring that policyholders are protected no matter where they are.

Flexible Plans

Tailored for customers from every economic segment in the UAE, the AXA health insurance plan comes in 7 different variants, offering an eclectic blend of coverage that customers can avail of. These 7 AXA medical insurance variants are designed to allow customers to avail of a plan that is most reasonably priced for them, without missing out on any crucial coverage.

Pre-Existing Condition Cover

The AXA health insurance plan offers cover for pre-existing conditions. Applicants are asked to share every detail of their medical history with AXA so that they may be guided to the best possible plan.

Cancer Expenses

AXA medical insurance plans also cover cancer treatment expenses incurred by the policyholder, up to the policy limit. In the highest variant of the AXA health insurance plan, policyholders may avail a maximum limit of AED 10 million. This is an exceptionally generous limit that is unmatched by most insurance providers in the UAE.

Customer Support

The AXA health insurance customer support team works tirelessly around the clock to provide real-time support and clarify doubts. In fact, no matter where a policyholder may be, they can rest assured that there will be an AXA medical insurance support staff member available to help.

Additional Services

In addition to the comprehensive list of illnesses and ailments the AXA health insurance protects customers against, the policy also offers additional cover for routine checkups, alternative medical treatments, psychiatric services and more.

Accident Cover

Ranging from AED 25,000 to AED 150,000, the AXA medical insurance policy offers personal accident coverage that protects the policyholder in the event of accidental injury or death. In the event of a policyholder’s death, their immediate family members are reimbursed with the stipulated amount as a lump sum.

The Types of AXA Health Insurance Plans

The AXA health insurance plans are available in seven variants under the name of ‘Health Perfect’. Some of the various AXA medical insurance Health Perfect plan details are as follows:

Health Perfect 1

This AXA health insurance plan offers a maximum yearly limit of AED 10 million and is applicable all over the world.

Health Perfect 2

This AXA medical insurance plan offers a maximum yearly limit of AED 7.5 million and is applicable everywhere except the USA.

Health Perfect 3

This AXA health insurance plan offers a maximum yearly limit of AED 5 million and is applicable everywhere except the USA and Canada.

Health Perfect 4

This AXA medical insurance plan offers a maximum yearly limit of AED 2.5 million and is applicable in the Middle East and the North Africa (MENA) region only.

Health Perfect 5

This AXA health insurance plan offers a maximum yearly limit of AED 1 million and is also applicable in the GCC and MENA region only.

Health Perfect 6

This AXA medical insurance plan offers a maximum yearly limit of AED 500,000 and is applicable across the UAE only.

Health Perfect 7

This AXA health insurance plan offers a maximum yearly limit of AED 250,000 and is also applicable in the UAE only.

AXA Medical Insurance Plan Inclusions

The table below contains details on the plan-wise inclusions of the seven Health Perfect policies offered by AXA health insurance. This is applicable for Dubai and the Northern Emirates of the UAE only.

AXA Health Insurance
Health Perfect (1) Health Perfect (2) Health Perfect (3) Health Perfect (4) Health Perfect (5) Health Perfect (6) Health Perfect (7)
Max yearly limit: AED 10 million Max yearly limit: AED 7.5 million Max yearly limit: AED 5 million Max yearly limit: AED 2.5 million Max yearly limit: AED 1 million Max yearly limit: AED 500,000 Max yearly limit: AED 250,000
Offered all over the world. Offered everywhere except the USA. Offered everywhere except the USA and Canada. Offered in the GCC and MENA region only. Offered in the GCC and MENA region only. Offered in the UAE only. Offered in the UAE only.
Maternity delivery costs covered up to AED 50,000. Maternity delivery costs covered up to AED 40,000. Maternity delivery costs covered up to AED 25,000. Maternity delivery costs covered up to AED 25,000. Maternity delivery costs covered up to AED 15,000. Maternity delivery costs covered up to AED 15,000. Maternity delivery costs covered up to AED 10,000.
Dental cover offered up to AED 5,000. Dental cover offered up to AED 4,000. - Dental cover offered up to AED 3,000. - - -

(Updated as of May 2019)

The AXA medical insurance plan-wise inclusions for Abu Dhabi residents are as follows:

AXA Health Insurance - Abu Dhabi
Health Perfect (1) Health Perfect (2) Health Perfect (3) Health Perfect (4) Health Perfect (5) Health Perfect (6) Health Perfect (7)
Max yearly limit: AED 10 million Max yearly limit: AED 7.5 million Max yearly limit: AED 5 million Max yearly limit: AED 2.5 million Max yearly limit: AED 1 million Max yearly limit: AED 500,000 Max yearly limit: AED 250,000
Offered all over the world. Offered everywhere except the USA. Offered everywhere except the USA and Canada. Offered in the GCC and MENA region only. Offered in the GCC and MENA region only. Offered in the UAE only. Offered in the UAE only.
Maternity delivery covered. Maternity delivery covered.. Maternity delivery covered. Maternity delivery covered. Maternity delivery covered. Maternity delivery covered. Maternity delivery covered.
Dental cover offered up to AED 5,000. Dental cover offered up to AED 4,000. - Dental cover offered up to AED 3,000. - - -

(Updated as of May 2019)

AXA Medical Insurance Plan Exclusions

Unless specifically mentioned in the AXA health insurance policy, the Health Perfect plans do not cover the following medical treatments and services:

  1. Unnecessary medical and dental treatments.
  2. Private care.
  3. Non-functional cosmetic procedures.
  4. Research treatments.
  5. Nicotine addiction programs.
  6. Sexual treatments and gender reassignment surgery.
  7. Prosthetics
  8. Injuries caused by flying, adventure sports, martial arts, etc.
  9. Growth hormone procedures.
  10. Preventive treatment.
  11. Acupuncture, aromatherapy, homeopathy.
  12. Deviated septum treatments.
  13. Congenital diseases.
  14. Dementia and Alzheimer’s.
  15. Vitamin deficiency diseases.

The full list of AXA medical insurance exclusions can be found in the policy documents provided by AXA on the website or at any UAE branch. Some of the more comprehensive Health Perfect AXA health insurance plans may offer one or more of the above-mentioned exclusions. Kindly get in touch with the AXA medical insurance customer support for further information.

The AXA Health Insurance Claims Process

Policyholders are advised to contact the AXA health insurance support staff before any medical treatment. This allows the AXA medical insurance staff to address any queries the customer may have regarding the eligibility and the claims process.

In order to make a claim, AXA medical insurance policyholders are required to submit the claims form, all original medical bills and any other information as requested by the AXA support staff. Furthermore, the applicant is also required to declare any other active insurance that may help cover the cost of the treatment, so that the AXA health insurance staff can work out the correct reimbursement amount.

The AXA medical insurance claims forms can be found online and must be submitted along with all the other required documentation within a maximum of 90 days from the date of the procedure.

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