AXA
Est. 1985 · Dubai (Gulf HQ) · DHA, HAAD, MOHAP regulated
Global insurer — one of the largest in the world. AXA offers 3 health insurance plans in the UAE. Data cross-referenced with the UAE Open Healthcare Directory.
Key Facts
- ▸Global insurer — one of the largest in the world
- ▸Operates across all emirates in the UAE
- ▸Popular with multinational employers
- ▸Strong international referral network
Coverage at a Glance
| Plan | Tier | Premium / yr | Annual Limit | Co-pay | Dental | Optical |
|---|---|---|---|---|---|---|
| AXA SmartHealth Essential | Basic | AED 3,000 – 5,500/yr | AED 250,000 | 20% | — | — |
| AXA SmartHealth Gold | Enhanced | AED 7,000 – 14,000/yr | AED 750,000 | 20% | ✓ | ✓ |
| AXA SmartHealth Platinum | Premium | AED 18,000 – 35,000/yr | AED 2.0M | 0% | ✓ | ✓ |
Co-pay shown is for outpatient visits. Premiums are indicative annual ranges.
Insurance Plans
AXA
AXA SmartHealth Essential
Individuals and small companies meeting mandatory requirements
AED 3,000 – 5,500/yr
Annual limit: AED 250,000 · shared room · 20% co-pay
AXA
AXA SmartHealth Gold
Corporate employees and families seeking comprehensive coverage
AED 7,000 – 14,000/yr
Annual limit: AED 750,000 · semi-private room · 20% co-pay
AXA
AXA SmartHealth Platinum
Senior executives and high-net-worth individuals
AED 18,000 – 35,000/yr
Annual limit: AED 2.0M · private room · 0% co-pay
How claims work with AXA
Direct billing: Present your AXA insurance card at any in-network provider. The clinic or hospital bills AXA directly — you pay only your applicable co-pay (20%–0% outpatient) at the point of care. No paperwork required. Reimbursement claims: For out-of-network or emergency treatment, collect itemised invoices and medical reports, then submit via axa-gulf.com or call 800-292. Standard reimbursement decisions are issued within 15–30 working days. Pre-authorisation is required for planned inpatient admissions, surgeries, and high-cost diagnostics — contact AXA at least 48 hours in advance.
AXA Insurance — FAQ
Compare AXA with other insurers
Side-by-side plan comparison across all 38 UAE insurers
Disclaimer: Plan details and premiums are indicative. Obtain a personalised quote from AXA or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.