Insurance Plans Offered by AXA Assurances Luxembourg
I’ve explored AXA’s range of insurance products in Luxembourg, and they’re impressively comprehensive—covering everything from car and home to health, pets, and investments. Here’s a breakdown of what they offer, in a clear, modular way for everyday Luxembourgers.
🚗 1. OptiDrive – Car & Mobility Insurance
AXA brands its car insurance as OptiDrive, with three main coverage tiers:
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Civil Liability (basic): mandatory third-party cover protecting others against damage you cause. Includes passenger protection and legal support (axa.lu).
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Plus (mid-tier): adds theft, fire, glass, animal collisions, and storm damage on top of basic coverage.
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Global (full-casco): covers your own vehicle for at-fault incidents, vandalism, hit-and-run, and total loss. Includes replacement value and optional deductible reductions.
Notable Extras:
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Replacement vehicle while yours is in repair
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Taxxi Joker: taxi rides home if you're unfit to drive (up to 3x/year)
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Multi-driver option, breakdown assistance, personal effects insurance, Pick-Up & Delivery, cosmetic repairs, and eco discounts for electric cars.
🏠 2. OptiHome – Home Insurance
AXA’s OptiHome covers your home and belongings from fire, water, storms, theft, and more. Their standard package includes:
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Emergency assistance (e.g., loss of keys, urgent repairs)
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Add-ons for travel coverage, family civil liability, legal protection, high-value items, and natural disaster protection.
They also offer optional handyman service for minor home maintenance tasks.
👨👩👧 3. Health & Supplementary Healthcare
Under OptiSoins, AXA provides supplemental health insurance covering medical costs, hospital stays, prescriptions, dental, optical, alternative therapies, and practical assistance like home help and pet care during hospitalization.
🪙 4. Investment & Provident (Life Insurance)
AXA offers investment-linked life-insurance plans (e.g., “Lifinity Europe”) that allow you to build savings under a life insurance wrapper, with features like:
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100% capital guarantee via euro funds
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Unit-linked funds in multiple currencies (EUR, USD, GBP, CHF)
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Death benefit and strategic wealth planning under Luxembourg laws.
🐶 5. Pet Insurance
They also insure dogs and cats—covering accident and illness-related expenses. It’s one of the few pet-insurance options available in Luxembourg.
🏍 6. Motorcycle & Motorhome Insurance
Motorbikes and motorhomes are covered under OptiDrive, with features tailored to their needs—damage/protection, liability, content cover, and breakdown assistance.
✈️ 7. Travel Insurance
AXA offers travel coverage—ideal for frequent commuters—covering cancellation, luggage loss, repatriation, and medical costs abroad.
🧘♀️ 8. Supplementary Pension & Group Benefits
Although not always visible to private clients, AXA provides group pension and health schemes through employers—including retirement plans, group life, and mobility benefits.
📝 My Take on AXA’s Offerings
What impresses me most is AXA’s modular structure—you can build a plan that precisely fits your lifestyle and risk profile. From full-casco car insurance with all the bells and whistles to flexible investment insurance and health coverage, they've got all bases covered. Plus, their digital tools (like the MyAXA portal) make managing everything so much easier.
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