AXA Luxembourg: the AXA group in the Grand Duchy

AXA Luxembourg at a glance

Origins	The articles of La Paternelle, one of the original companies, were registered with the Luxembourg district court in 1853; ASSURLUX, formed in 1977, became AXA Assurances Luxembourg in 1992
Companies	AXA Assurances Luxembourg (non-life and health) and AXA Assurances Vie Luxembourg, separate since the end of 1995; head office on Place de l’Étoile, Luxembourg City
Shareholder	AXA Luxembourg S.A., a holding company owned by AXA Holdings Belgium, within the AXA group (AXA SA, Paris)
Recent milestones	Takeover of Winterthur Europe Assurances Luxembourg’s business in 2007; health specialist Interlux Assurance Maladie joined the group in 2012
Distribution	Exclusive agents and direct sales, as well as brokers and partnerships
Financial strength	Solvency ratios of 170.3% (non-life) and 161% (life) at 31 December 2025 (SFCR)

The range, line by line

• Car: OptiDrive in three plans. Active combines motor liability, basic legal protection and accident assistance. Active + Mini Casco adds fire, animal collision and natural events, glass breakage, personal effects up to €1,000, replacement cost, a replacement vehicle and Joker Taxi (three taxi rides a year when you are unable to drive). Privilege adds material damage and raises personal effects to €3,500; bonus protection is offered there as an option. AXA advertises a new car reimbursed at 100% of its purchase price for 3 years, a low-mileage offer with no device (you simply declare the odometer reading) and cover for the battery and charging cable of electric cars, with a discount.
• Home: OptiHome in two plans. Active covers fire, storm and hail, glass breakage, water and electrical damage, building liability and legal protection, emergency home assistance and theft up to €5,000; Privilege removes that theft limit. Options: multimedia equipment (up to €5,000 or €10,000 depending on the plan), private and family liability, E-protection against cyber risks, Comfort for sports equipment, instruments and jewellery anywhere in the world, Travel, and Sérénité Max for flooding, landslides and sewer backup, with an extra payment of 10% of the claim settlement. Discount from two options; solar panels and charging points covered automatically; immediate rehousing if the home becomes uninhabitable, including in cases of domestic violence.
• Health: OptiSoins in three plans. Start covers hospitalisation, reimbursing 100% of the costs you actually pay; Active adds eye care (€500 per 2 years), dental and alternative medicine (€500 a year); Privilege raises those ceilings (€700 and €800) and reimburses medical, dental and optical care even when the CNS does not pay. Free choice of doctor and hospital in Europe with prior agreement, newborns covered free of charge until age 1 and practical services during and after a hospital stay (childcare, domestic help, pet care). See our health comparison.
• Pension savings: MySmartPension, a 111bis contract deductible up to €4,500 a year, from €50 a month: a guaranteed-rate fund at 1.25% with profit sharing and/or unit-linked funds, with risk reduced gradually as retirement approaches; payout as a lump sum, a lifetime annuity, scheduled withdrawals or a combination. For cross-border workers, AXA states that only those who file a tax return in Luxembourg can subscribe.
• Business: Atouts Pro combines in a single contract, for companies with 1 to 30 employees, damage to premises and property, business interruption, operating liability and legal protection, with professional liability as an option; above 30 employees, AXA offers TeamUp Solution Entreprises.

Reporting a claim

Car, home and travel claims are reported online on AXA’s website or in the MyAXA client area, which also lets you track their progress; health reimbursement requests are submitted the same way. In an emergency, AXA Assistance answers on +352 45 30 30 55, 24/7, weekends and public holidays included. After an accident, if the car is still drivable, the Pickup & Delivery service collects it and drops off a replacement vehicle. An AXA adviser is available in every region of the country. Our advice on reporting a claim and filling in the accident report applies to every insurer.

Financial strength

According to their 2025 SFCRs, AXA Assurances Luxembourg reports a solvency ratio of 170.3% at 31 December 2025, with €148.2 million of net revenues and €14.6 million of net income; AXA Assurances Vie Luxembourg reports 161%, with €121.5 million of revenues net of reinsurance and €5.5 million of net income.

Comparing AXA

AXA appears in all our comparisons: car, home, health, life and professional liability. For pension savings, our 111bis calculator puts a figure on the tax saving. See also the Foyer, LALUX and Baloise profiles.