The best claim is no claim at all.

We didn't make the claim form easier to fill in. We made it disappear.

AXA Global Healthcare gives internationally mobile customers cover that follows them across borders. But the moment they needed to use it, the process worked against them — pay the clinic upfront, keep every receipt, complete a claim form, then wait to be reimbursed.

Across different countries, currencies and clinics, that administrative burden was enough to put people off claiming at all — quietly eroding the value of the very product they had bought.

The cover was never the problem. Claiming on it was.

Ninety worked with AXA Global Healthcare to rethink the claim from the customer's point of view — then design it out of the journey entirely.

• 01Listened first. We grounded the work in what customers genuinely found painful about claiming abroad, not what the existing process assumed they would tolerate.
• 02Reframed the claim. Together we envisioned a "no-claim claims" model: a virtual payment card, held in the customer's digital wallet, that settles the bill directly.
• 03Designed it to disappear. The card is simply swiped at the clinic. No forms, no receipts, no reimbursement wait — the claim resolves into the payment itself.

AXA Global Healthcare launched the no-claim proposition in early 2024.

It has measurably lifted customer satisfaction, earned industry awards and media coverage, and set a new benchmark for what making a health claim abroad should feel like: nothing at all.