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▷ Health Insurance ⭐

“Without a doubt, the best. Very friendly and punctual on the call. They gave me accurate information about health insurance. Thank you so much! ”

Jose Muñoz Blanco

“They called me at the time I requested, great service, the health insurance enrollment was easy, and at a price lower than what I’m currently paying. ”

Alba Navarro Pérez

AXA Health Insurance Spain

AXA Seguros España emerged in the early 1990s as a result of the merger of major business groups such as Mare Nostrum, SICA Vida, Unión Condal, and Paternal SICA. In September of that decade, AXA and BBV created the holding company AXA AURORA. Five years later, the international merger between AXA and UAP took place, giving the group international prestige. In Spain, AXA Seguros, UAP Ibérica, and Aurora Polar began a fusion to strengthen the group further. Additionally, AXA has a presence in European and Asian markets. Finally, in 2008, the transformation was completed with the company adopting the name AXA Seguros. Over the last decade, AXA has focused decisively on health insurance, achieving great success to date, with its well-known AXA Health Insurance Spain.

Today, AXA Seguros has many commercial offices nationwide. Each office offers a variety of products, notably health, life, savings, and home insurance. The AXA Spain health policy is among their best products, providing customers with significant benefits. This has positioned AXA Health Insurance Spain as one of the top options in the market. Furthermore, with access to the AXA medical network in Spain, clients receive excellent care from specialized doctors and healthcare centers. There is no doubt that AXA clients enjoy the best AXA healthcare services in Spain for their health.

AXA Spain offers a wide range of products including AXA Health, AXA Life, AXA Home, AXA Funeral, AXA Car, AXA Motorcycle, AXA Savings, and AXA Investment. Additionally, it provides AXA Travel, civil liability, and other insurance products.

What Does AXA Health Insurance Spain Cover?

Accessing quality healthcare is often very difficult to achieve. This is a daily concern for people who want to provide protection and security in health matters for all members of their family group. That is why, by contracting AXA Health Insurance Spain, you gain access to highly demanded services such as consultations, diagnostic tests, emergency services, and more, all with very short waiting times. This is something that is very hard to obtain through public healthcare, as it usually involves long waiting periods. Therefore, it is important to have the protection guaranteed by the health policy and the AXA medical network in Spain.

Many people ask: What does AXA Health Insurance Spain cover? This is important for clients, since public healthcare has many shortcomings, and they seek the best care through AXA. By contracting AXA Health Insurance Spain, you will have the peace of mind you need to protect your family group. AXA offers three plans: Óptima Joven, Óptima and Óptima Familiar, and Óptima Plus—each designed to meet your specific needs.

With AXA Óptima Plus, you get all the coverage of Óptima, including exclusive services. You have free choice of doctors and centers worldwide through expense reimbursement, with no copayments. It also offers high-tech diagnostic tests such as CT scans, 3D ultrasound for pregnancy, among others. Additional services include assisted reproduction, complementary medicine, bariatric surgery, cognitive tele-rehabilitation by the Guttmann Institute (exclusive to AXA), and much more.

With AXA Óptima, you have a useful insurance plan providing exclusive outpatient care through the contracted medical network, with access to multiple medical services. You get consultations for general medicine, medical and surgical specialties, and various diagnostic tests, with or without copayments. It also includes 24-hour telephone medical and pediatric guidance, psychological and nutritional counseling by phone, preventive medicine programs, specialist consultations (gynecology, cardiology, traumatology, etc.), and diagnostic tests (lab tests, mammograms, MRIs, CT scans, etc.).

AXA Óptima and Óptima Familiar offer healthcare through a contracted medical network with various medical services. Coverage includes hospital and extra-hospital medical care nationwide, with or without copays. Also included are 24-hour telephone medical and pediatric guidance, psychological and nutritional support, preventive medicine programs, second medical opinions from top specialists worldwide, 80% reimbursement for home emergencies, and travel assistance covering up to €15,000 in medical expenses.

Conditions to Contract AXA Health Insurance Spain

By contracting AXA Health Insurance Spain, you will have access to the best healthcare services. Without a doubt, this is fundamental, especially if you are the pillar of your family group. However, you should know that there are certain conditions you must be aware of before contracting it. So, what conditions apply when contracting AXA Health Insurance Spain? Let’s take a look:

• You must inform them of your residence location. If you are a Spanish resident, you can acquire AXA health insurance.
• If you want to contract AXA Health Insurance Spain, you must fill out the form located at the beginning of the article. Then, one of our agents will take note of your details and call you to verify the information you provided. Afterwards, you will be contacted again to complete a questionnaire by phone. It is important to highlight that any of our agents will assist you throughout the entire contracting process.
• If you are between 18 and 64 years old, you are eligible to contract AXA health insurance.
• You will be asked to provide information about your health status.
• You will also be asked to provide your current occupation.

What Documentation Do I Need to Contract AXA Health Insurance Spain?

AXA Health Insurance Spain requires the submission of documents to verify the health status of the applicant. These documents, along with other requirements, are vital for insurance companies and must be completed and collected before issuing a health policy. So, what documentation do I need to contract AXA Health Insurance Spain? Let’s see:

1. Complete the health questionnaire. When filling out the health questionnaire, AXA determines if the applicant has any chronic or pre-existing illnesses. It also assesses if the applicant has any habits or addictions, such as smoking or alcohol consumption.
2. Full name. It is essential to provide the full name of the person who wishes to obtain AXA Health Insurance Spain.
3. Photocopy of DNI, NIE, or passport of the policyholder. Any of these documents can be submitted for the AXA health insurance process, but they must be valid. Expired documents will not be accepted.
4. Have a bank account in Spain.
5. Provide your residence address. AXA requires this information to calculate the insurance premium. Therefore, it is important to supply this data when applying for AXA Health Insurance Spain.

What Factors Influence the Price of AXA Health Insurance Spain?

Both AXA Health Insurance and healthcare services in Spain provide timely care to the insured person as well as to any beneficiaries included in the policy. But, what factors influence the price of AXA Health Insurance Spain when contracting it? Let’s take a look:

Does the place of residence affect the price of AXA Health Insurance Spain? Yes, it does. Location is usually taken into account by insurers when setting the premium because healthcare costs can vary between provinces.

How much does age influence the contracting of AXA Health Insurance Spain? Age really matters. In fact, the factor that most affects risk calculation in health insurance is age. The older you are, the higher the probability of developing serious illnesses. Similarly, very young children can also cause the premium to be higher because younger children typically require more emergency services.

Is it necessary to be in good health to contract AXA Health Insurance Spain? Yes, good health is required, and you must answer a medical questionnaire when applying for AXA health insurance. This verifies the applicant’s health status regardless of age and creates a medical history, including any pre-existing conditions, surgeries, treatments, and more.

How much does the level of coverage or guarantees affect the price when contracting AXA Health Insurance Spain? It does affect the price. Basic health insurance products may offer medical assistance but exclude hospitalization and surgeries, making them more affordable. On the other hand, more comprehensive policies that include doctor visits, tests, treatments, surgeries, and hospital stays are more expensive.

Does having copayments in AXA Health Insurance Spain affect the price? Copayment is a system where policyholders pay a small fee when using certain medical services. Insurance companies usually offer policies with copayments to reduce the overall cost. Therefore, the higher the copayment, the lower the insurance premium. In short, yes, it affects the price.

Does having a medical network or reimbursement option affect the price of AXA Health Insurance Spain? With a medical network policy, the insurer provides access to contracted doctors and medical centers without paying bills (subject to contract terms and without choosing a copayment product). In reimbursement policies, the insured can choose any doctor or center outside the network, pay the bill upfront, and then request reimbursement from the insurer. These factors clearly influence the price of the insurance.

Does the number of insured people affect the cost of AXA Health Insurance Spain? Yes, it does. Some insurers offer discounts for adding multiple insured persons, especially in family health policies designed to cover all family members. In other cases, policies may have higher costs. So, yes, it affects the price.

How Can I Cancel AXA Health Insurance Spain?

There are likely several reasons why people find it necessary to cancel the health insurance they have contracted. But, how can I cancel AXA Health Insurance Spain? Canceling the health insurance policy is a very simple process. Let’s see how:

The AXA Health Insurance Spain contract lasts for 12 months, but this applies not only to AXA, as all health insurance companies follow the same guidelines. Because of this, the health insurance law in Spain states that to cancel AXA Health Insurance Spain, you only need to notify AXA at least one month before the contract reaches its one-year term.

For example, if your AXA Spain health policy or any other health insurance policy ends on December 31, you must inform the insurer of your decision not to renew it before November 30.

What is the Waiting Period for AXA Health Insurance Spain?

Getting AXA Health Insurance Spain and its healthcare services will provide you with multiple benefits. Because of these advantages, many people choose to get one immediately. However, contracting the insurance involves respecting certain waiting periods for specific coverages. You should know that a waiting period in health insurance refers to the amount of time you must wait before you can use certain services or coverages. This is so important that you should know what the waiting period is for AXA Health Insurance Spain before contracting it.

The waiting period is the initial time frame during which any illnesses diagnosed in the insured person will not be covered. Generally, it lasts 30 days for simple illnesses and up to 90 days for more complex conditions from the start date of the health insurance contract. An exception is usually made for accidental emergencies, which are not subject to waiting periods. However, the exact time depends on the type of health insurance you contract and the care you require.

On the other hand, you should also know that waiting periods serve as a guarantee for insurers. By applying these in health insurance, they ensure that the client does not subscribe to the insurance solely to cover a specific need and then cancel the contract once that need is met.

What Exclusions Does AXA Health Insurance Spain Have?

When we talk about limitations or exclusions in health insurance, we refer to certain situations that are not covered by the medical policies. Given the many possible exclusions, it is important to know: What exclusions does AXA Health Insurance Spain have? Some of them are as follows:

• Voluntary termination of pregnancy. This also includes childbirth assistance at private homes or through some alternative methods.
• Healthcare related to pathologies, accidents, malformations, injuries, or defects caused by: terrorist acts, armed conflicts, nuclear radiation, sports activities, work-related accidents, traffic accidents, among others.
• Medical care for pre-existing diseases and injuries, or even aftereffects from an accident that occurred before the insurance was contracted.
• Hospitalization for social reasons. This applies to patients with functional deterioration, chronic illnesses, or conditions associated with aging.
• Transplants, except for bone marrow and corneal transplants.
• Cosmetic surgery, meaning plastic surgery specialties such as reconstructive surgery and refractive surgery like myopia, hypermetropia, and astigmatism are excluded.
• The cost and price of pharmaceutical products, except those administered during hospitalization, such as chemotherapy drugs. Also, medications not authorized in Spain are not covered.
• Medical care due to negligence resulting from drug addiction, self-harm, alcoholism, drug use, suicide attempts, and similar causes.

Can I Get AXA Health Insurance with a Serious Illness?

Perhaps one of the most common questions from applicants for AXA health insurance is: Can I get AXA Health Insurance Spain if I have a serious illness? It is important to know that one of the main factors that affect eligibility for AXA health insurance and its medical network are serious illnesses.

Generally, all insurance companies do not approve policies if the applicant has a pre-existing illness or any prior pathology. One way to certify this is by filling out the health questionnaire where the applicant indicates any illnesses they have, such as diabetes, tuberculosis, asthma, cancer, leukemia, among others. The questionnaire must also include any past injuries or surgeries that may have left aftereffects. This is how the insurer assesses the application and the risk involved. Therefore, if you suffer from any serious or pre-existing illness, it will be difficult to obtain AXA health insurance in Spain.

To prevent fraud when filling out the health questionnaire, and due to the high risk this poses to insurers, Article 10 of Law 50/1980, dated October 8, on insurance contracts in Spain states that the insurance company will be exempt from paying any compensation if false information is provided in the medical questionnaire regarding the applicant’s health status, especially if a serious or pre-existing illness is omitted.

However, if someone wishes to get health insurance and had a serious illness in the past, it will be possible to contract AXA Health Insurance Spain only if they have fully recovered from the illness without serious aftereffects. Their current health condition must be verified beforehand.

AXA Health Insurance

Main Coverages of AXA Health Insurance

AXA Insurance Spain Offices

AXA Insurance Spain offers AXA Health, AXA Life, AXA Home, AXA Funeral, AXA Car, AXA Motorcycle, AXA Savings, and AXA Investment. Additionally, it provides AXA Travel, liability insurance, and more. These are the areas where AXA Spain has its offices.