I find AXA very bureaucratic and old-fashioned. In 2020 and with the pressure of climate change, companies should communicate with their customers only by email. There should be a system similar to the one for public health insurances where everything is done automatically with the insurance card instead of the doctor having to send an invoice, and the patient having to pre-pay, and then submit to you and then you confirm sending a letter by post (!!). It is a very inefficient way of working. Secondly, we live in a global world and not all your customers are German speaking so offering English as a second language would be a plus.