I have had a health insurance with AXA since November 1 and have still not received any letter (although I finally got the contract electronically from the broker) or insurance card. When I called, it was first a problem that the agent didn't speak English (I don't speak German). Then, when my partner called again (since she speaks German), she was told it's normal that it takes time to press up a card. I don't think it can be considered normal that I haven't received a card after about one and a half month.