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AXA Gulf Insurance

AXA are a well known worldwide insurance provider, operating in the Middle East market for 70 years through a subsidiary company, AXA Gulf.

AXA Gulf offer a wide range of insurance cover from medical to motor. They employ
over 800 members of staff working across 25 branches, with over 1 million members.

AXA have the scale and capabilities to have their own in-house administrators, meaning they don’t require a Third Party Administrator, nor a local fronting partner.

Our Verdict
A Closer Look
Customer Reviews

AXA Gulf offer the below plans: 

  • Individual/Family policies
  • A range of comprehensive to moderate SME policies  
  • A range of comprehensive to moderate corporate policies  

The Pros

> Offer a wide range of plans where the lower end can be very cost effective
> Online services
> AXA360 tele-consultation available for most plans
> A wide number of insurance lines available
> In-house administrator team which improves the rates with facilities and process protocols

The Cons

> The network lists can be quite limited on the lower plans
> Very automated processes where response times can be long and escalations can also take time
> There is very little capability from the AXA team to assist with exceptions or escalations
> All plans are completely fixed except for the option of out-patient co-insurance
What are the TPA (Third Party Administrator) options?

In-house team.

Do AXA Gulf offer a portal or an app?

AXA Gulf offer an app to customers. 

What's the turnaround time for reimbursements?

5-7 working days. 

What's the turnaround time for pre-approvals?

For out-patients: 1 hour
For in-patients: 4 hours

What's the minimum number of employees required for MHD (Medical History Disregarded)?


Affordable but average

My husband and I wanted a cost competitive insurance plan which AXA Gulf were very good for with a few of their policy options, however, we feel we have got what we paid for as the turnaround times and customer service are not great.

Expert Assessment of AXA Gulf Insurance

AXA are a very well known and established global insurance provider that offer one of the largest varieties of insurance lines.

AXA Gulf, however, seem to be a subsidiary that don’t quite share the same level of expertise and quality service as the global AXA group. AXA Gulf are part of the local insurers market and follow a very bureaucratic and automated system. This is manageable in some cases, but there is often a level of urgency where this becomes an issue.

AXA Gulf do provide a good range of policies, which is helpful when trying to adopt a clients specific requirements. Their plans are very much “off the shelf” products where the only area that can be varied is the out-patient co-insurance. This can cause difficulties in matching the policy to the client's specific requirements, especially compared to other insurers who are much more flexible in their benefits and networks.

They are a very good option for individual policies where the client is looking for a price competitive option and who may not need to use their policy very often.

If you are a business owner or HR professional in the UAE, you’re looking to improve the medical insurance cover for you group, save money on your employee benefits package or reduce your company medical insurance costs, we will review your current plans and related expenses. Please contact us or call us on +971 (0) 4559 4900. 

At AES, we focus on providing long-term solutions, tailored to an individual organisation’s needs, to help you improve overall employee wellness, drive up productivity and engagement, and enable you to manage your corporate medical insurance spend year on year. 

Start looking after your employees' well-being today. 

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