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but remember you are not the policy holder, it is a free gift. The bigger issue is that the policy is not a regulated policy, which means that benefits and claim procedures are not subject to a complaints procedure, This effectively gives the claims handlers AXA, the power to change rules and benefits at any time of the claims process, with no recourse or accontabilty to the Amex cardholder. I agree that the benefits are good, but i would prefer to have the assurance that i was the policy holder and not the beneficial owner of a free gift!