AXA was established in 1985 by Claude Bebear in France; its headquarters are in Paris. AXA is a multinational investment banking and insurance firm and operates primarily in Western Europe, the Asia Pacific region, North America, and the Middle East.
AXA Gulf entered the UAE market over 47 years ago as is one of the largest international players in the GCC.
With a staff of over 1,000 employees, 44 branches and retail shops, it serves more than 1 million customers in the region.
AXA’s business philosophy is to protect people over the long-term, and as a result it offers a wide range of insurance products and services to corporates, small medium enterprises (SME’s) and individual customers.
AXA provides medical insurance to individuals, corporates and SME’s in the UAE.
AXA aims to provide well-being and comfort to individuals in the UAE by providing protection against high costs that may arise due to unforeseen circumstances. The individual plans are a series of schemes based on geographic cover, and are referred to as the ‘Health Perfect Series’.
AXA’s corporate plans are carefully designed with the goal of ensuring businesses perform to their highest potential with healthy employees.
The corporate plans are referred to as the ‘Health Secure Series’ and provide different benefits based on the geographic area of cover.
AXA also provides a choice of networks - namely crystal, diamond, star, and star plus - which include different hospitals, clinics, and pharmacies in the UAE.
All the details of these networks can be found in our additional resources section below. Alternatively, you can contact us for more detailed information.
Individual medical insurance plans
Health Perfect Series
Health Perfect plans 1, 2 and 3 (International Cover)
Health Perfect plans 4 and 5 (Regional Cover)
Health Perfect plans 6 and 7 (Local Cover)
Ideal for people who do not travel extensively outside their country of residence.
10% co-insurance on all out patient treatment for all plans other than Health Perfect 1.
Small medium enterprises (SME) medical insurance plans
AXA provides two sets of plans specifically designed for small and medium enterprises:
All the above plans have 7 series, similar to the individual plans that depend on geographic location.
Health Secure plans 1, 2 and 3 (International Cover)
Health Secure plans 4, 5 and 6 (Regional Cover)
Health Secure plans 7 (Local Cover)
Ideal for people who do not travel extensively outside their country of residence.
(*) It is very important that you fully declare any existing medical conditions on the application form. Any undeclared condition would remain uncovered throughout the policy year.
For a complete list of benefits with details and limitations under the above plans, please refer to the brochures in the resources section, or contact us for more detailed information.
Please refer to the brochure in the additional resources section below.
After submitting a claim, reimbursements can be expected within 10-15 working days
Learn how to submit a claim.
If you have any questions, feel free to call their toll free number 800 AXA (800 292)
After a year with AXA Gulf we moved away because of ongoing niggles with claims.
We could not be doing with the hassles and stresses of claims being rejected for employees and then employees having to spend ages trying to sort everything...usually on work time.
We chose AXA originally because of the name, brand and reputation - but they need to improve.
As one of the largest SME insurers in the region, AXA Gulf provides highly reliable health insurance products with several variations to fit most individuals’ and businesses’ requirements.
Some of our clients have expressed dissatisfaction with AXA Gulf’s customer service however. We believe that this is because they manage their own network and do not have a third-party administrator to handle claims and submissions on their behalf. Managing this in-house can be challenging.
Additionally, they do not offer an app for claim submissions which puts them at a lesser advantage than several competitors in the region that provide an app.
However, on the plus side, they’ve been in the region for over 47 years and therefore have a stable product. They increase their rates only in accordance to increases in inflation.
If you are a business owner or HR professional in the UAE, you’re looking to save money on your employee benefits package and 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 International, 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.
“Thank you AES International for helping me and my family with your low cost no-nonsense approach. It is refreshing!”
Kristian Petersson
“With this sort of service you also expect to be paying very high fees, but it’s just not the case. I would definitely recommend AES.”
Jake van den Dries
“In the short time that I’ve been using AES I’ve made nearly ten thousand pounds and couldn’t be happier!”
Jackie Pym
