UAE insurer profile
AXA
Est. 1985 · Dubai (Gulf HQ) · DHA, DOH, MOHAP regulated
9,190 healthcare providers in 8 UAE cities list AXA as an accepted insurer in the UAE Open Healthcare Directory. The plan tiers and premiums below are indicative figures compiled by Zavis, not AXA's published plan list or prices: confirm cover and price with AXA or an authorised broker. The network counts come from insurer lists on Zavis listings that are not yet confirmed against AXA's network list; confirm with AXA before a visit. How Zavis sources data.
At a glance
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 matrix
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.
Plan catalogue
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
9,190 providers
View details →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
9,190 providers
View details →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
9,190 providers
View details →Who accepts this
Provider network.
Providers by City
Top Specialties in Network
The claims flow
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.
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Top clinics accepting AXA.
Curated rankings by city and specialty — all providers accepting AXA insurance, ranked by patient ratings.
Compare AXA with other insurers
Side-by-side plan comparison across all 38 UAE insurers
Questions
About AXA.
AXA Insurance — FAQ
What health insurance plans does AXA offer in the UAE?
This page summarises 3 indicative AXA plan tiers compiled by Zavis (AXA SmartHealth Essential, AXA SmartHealth Gold, AXA SmartHealth Platinum), with indicative annual premiums from AED 3,000 – 5,500/yr to AED 18,000 – 35,000/yr. They are not AXA's published plan list or prices, so ask AXA or an authorised broker for its current plans and a quote.
How many healthcare providers accept AXA insurance?
9,190 healthcare providers in 8 UAE cities list AXA as an accepted insurer in the UAE Open Healthcare Directory. Network counts come from the insurance lists on each listing, so confirm with the provider that your plan tier is accepted before you book.
Does AXA cover dental and maternity?
Dental and maternity coverage depends on the plan tier. Yes, AXA's enhanced and premium plans include dental coverage. Maternity is covered with waiting periods ranging from 6 to 12 months.
Is AXA compliant with Dubai and Abu Dhabi health insurance rules?
AXA is regulated by DHA and DOH and MOHAP. Its plans sold in Dubai must meet the Essential Benefits Package required for Dubai residents and workers. Oversight in Abu Dhabi means its plans there must meet the emirate's mandatory Thiqa and basic scheme requirements. Federal registration covers its plans in the Northern Emirates.
How do I file a claim with AXA?
To file a claim with AXA, call their claims line at 800-292. For direct billing, simply present your AXA insurance card at any in-network provider — the clinic or hospital settles directly with the insurer. For reimbursement claims (out-of-network or emergency), submit itemised invoices, a completed claim form, and your doctor's report within 90 days of treatment via axa-gulf.com or by post to their Dubai (Gulf HQ) office.
What is the cheapest AXA plan?
The most affordable AXA plan is the AXA SmartHealth Essential (Basic tier), starting from AED 3,000 – 5,500/yr annually. It covers inpatient, outpatient, maternity with a 20% outpatient co-pay and an annual limit of AED 250,000.
Does AXA have a mobile app for claims?
AXA offers digital claims submission through their member portal at axa-gulf.com. Most major UAE insurers, including AXA, provide a mobile app or online portal where members can submit reimbursement claims, view policy documents, check coverage limits, find in-network providers, and download tax invoices. Download the AXA app from the App Store or Google Play, or log in via their website to access self-service claim tools.
Disclaimer. Plan details and premiums are indicative. Obtain a personalised quote from AXA or an authorised broker. Provider network counts come from the insurance lists on UAE Open Healthcare Directory listings.