Bettina Cramm

About Bettina Cramm

Bettina Cramm is a director representing employees on AXA’s Board of Directors, a mandate she has held since June 2018 and which was renewed in 2022. She also serves on AXA’s Compensation, Governance & Sustainability Committee, placing her at the center of key discussions on executive pay, governance standards and ESG oversight. In a listed global insurer such as AXA, this role is important because employee representation at board level helps strengthen social dialogue, provides an operational perspective and ensures that long-term decisions take stakeholder interests into account. Her professional background is rooted in healthcare and social protection in Germany. She graduated in medical education from Martin-Luther University Halle-Saale and began her career in 1984 as a medical technical assistant at DKD Helios Clinic in Wiesbaden. In 1991, she joined German Civil Servants Insurance (DBV), later known as AXA Konzern AG, where she initially worked in private health insurance-related functions. From 1994 to 2002, she served as an operational paramedic at DBV-Winterthur Wiesbaden, before becoming a healthcare consultant at DBV-Winterthur until 2007. This progression gave her deep insight into health insurance operations, customer needs and frontline realities. Alongside her operational responsibilities, Bettina Cramm built a long track record in employee representation. She joined the works council in 1995 and later held roles in the central works council, the European works council and their committees, as well as on supervisory boards of AXA entities in Germany. She also served on the Supervisory Board of AXA Konzern AG from 2017 to 2022. This blend of medical, operational and employee-representation experience gives her a distinctive profile in areas such as prevention, workplace health, social dialogue and corporate governance. Her career reflects AXA’s approach to embedding employee representation into the Group’s strategic oversight.