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#4in our rankings

AXA Krankenversicherung

4.6/5

Premiums from

EUR 380/mo

Overview

AXA brings global insurance expertise to the German PKV market. As one of the world's largest insurers, they combine international standards with deep knowledge of the German healthcare system. Their family-friendly policies and multilingual support make them a strong choice for expats.

Key Facts

Founded

1839

Headquarters

Cologne

Customers

2.1 million

Type

Full comprehensive PKV

Pros & Cons

Pros

  • Global brand with extensive international experience
  • Strong digital health services and telemedicine
  • Excellent coverage for families with children
  • Multilingual customer support
  • Comprehensive worldwide coverage options

Cons

  • Premium levels are in the upper mid-range
  • Some tariffs have waiting periods for dental work
  • Tariff restructuring in recent years may confuse existing customers

Coverage Highlights

Comprehensive family coverage including free child co-insurance options

Worldwide emergency and travel health coverage

Full specialist access without referral requirements

Chief physician and private room hospital coverage

Extensive mental health and therapy coverage

Preventive care bonus programs

Tariff Information

AXA offers three main product lines: EL Bonus (value), EL Bonus-U (mid-range), and Vital (premium). Each comes with customizable modules for dental, vision, and hospital upgrades. Deductibles from 300 to 1,200 EUR.

Note for Expats

AXA's global presence is a major advantage for expats. They offer English-language documentation, multilingual hotlines, and have experience processing international medical claims. Particularly strong for expats who travel frequently.

Claims Process

AXA provides a modern app for claims submission with photo capture and OCR technology. Most outpatient claims are settled within 5 business days. They offer an extensive network for direct hospital billing across Germany and Europe.

Best For

International expats and families who want a globally recognized insurer with strong family coverage

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