AXA Health Insurance in Spain for Expats
We help you select the right AXA Salud Óptima or Óptima Plus health insurance for you and your family.
With C1 Broker, you’ll receive expert, personalized advice tailored for expats living in Spain.
AXA Health Insurance in Spain for Expats
Access the best private medical network, with no co-pays and reimbursement options, both in Spain and abroad. With AXA and C1 Broker, you choose how and with whom you want to be cared for.
💙 We offer free, no-obligation advice.
AXA Health Insurance with C1 Broker: The Health Cover That Looks After You, Wherever You Are
At C1 Broker, we understand that your health and your family’s wellbeing are your top priorities. That’s why we’re here to help you find the AXA health insurance plan that best fits your needs, taking into account your age, location in Spain, lifestyle, and budget.
AXA offers a wide range of health and dental insurance plans, and we’ll recommend the most suitable option based on a technical and personalised assessment.
One of the standout features of AXA health insurance is its lifetime renewal guarantee — one of the main reasons why so many expats choose AXA. This means that your policy will never be cancelled due to age, illness, or claims usage, offering you long-term peace of mind and stability.
🩺 Top Health Products Recommended by C1 Broker
AXA offers a wide selection of health insurance options, but after a detailed technical review, C1 Broker primarily recommends two no co-pay plans that strike the perfect balance between coverage and value:
AXA Salud Óptima: a no co-pay insurance plan that gives you access to AXA’s exclusive medical network in Spain. Ideal if you’re looking for full coverage within AXA’s medical network without having to pay anything extra for each consultation or treatment..Know more
AXA Salud Óptima Plus: In addition to everything offered by Óptima, Óptima Plus gives you total freedom to choose doctors and clinics, whether within or outside AXA’s medical network, in Spain or anywhere in the world, with a reimbursement system covering up to 90% of medical expenses. Perfect for those who want complete flexibility in their healthcare. Know more
👉 At C1 Broker, we help you choose the right insurance plan based on your specific needs, with tailored advice and no commitment.
🔷 AXA Óptima
- No co-pays
- Access to over 44,000 doctors and private clinics across Spain
- Full coverage: primary care, specialists, emergency services, and hospitalisation
- Basic dental care included
📌 Ideal if you want private healthcare with no extra cost per visit
🔷 AXA Óptima Plus
- No co-pays + full freedom to choose your doctor
- Reimbursement of up to 90% in Spain and 80% abroad
- True international coverage with agreements in place with hospitals in the U.S.
- Includes AXA's medical network and mental health coverage
📌 Ideal for frequent travellers, demanding professionals, or anyone seeking unlimited access to top healthcare
📊 Comparison: AXA Salud Óptima vs AXA Salud Óptima Plus
| Features | AXA Óptima | AXA Óptima Plus |
|---|---|---|
| Co-pays | ❌ No co-pays | ❌ No co-pays |
| Type of Insurance | Medical assistance within AXA’s approved network | Medical assistance + reimbursement system |
| AXA Medical Network | ✅ Included | ✅ Included |
| Freedom to Choose Doctor/Clinic | ❌ Only within AXA’s medical network | ✅ Total freedom, within or outside AXA’s network |
| Medical Expense Reimbursement | ✅ Partial in some services (check product page) | ✅ Up to 90% in Spain and 80% abroad (depending on plan) |
| Hospitalisation | ✅ Included, with private room and bed for companion | ✅ Included, with private room and bed for companion |
| Basic Dental Coverage | ✅ Cleanings, extractions, consultations | ✅ Cleanings, extractions, consultations |
| Mental Health (Psychology) | ✅ In-person and telephone support | ✅ In-person and telephone support |
| International Coverage | 🛫 Emergency cover while travelling – up to €15,000/year | 🌍 International reimbursement + emergency travel cover – up to €15,000/year |
| Advanced Medical Technology | ✅ Included | ✅ Included |
| Preventive Medicine Programs | ✅ Included | ✅ Included |
| Maximum Enrolment Age | Up to age 65 (actuarial age) | Up to age 65 (actuarial age) |
| Lifetime Coverage | ✅ Yes, guaranteed in writing | ✅ Yes, guaranteed in writing |
| Plan Options | Single plan | Single Plan |
| Ideal For | People seeking solid private coverage without complexity | People who want total freedom, travel frequently, or expect top-level flexibility |
🩺What Does AXA Health Insurance Cover?
AXA’s health insurance plans offer comprehensive private medical coverage, whether you choose the AXA Salud Óptima (with AXA’s medical network) or Óptima Plus (with reimbursement system). Here’s a summary of what’s included:
✅ General and Specialist Medical Care
- Consultations with GPs, paediatricians, and nurses
- Direct access to specialists – no need to go through a family doctor
- 24/7 emergency medical and hospital care, 365 days a year
🔍 Diagnostics and Testing
- Blood tests, ultrasounds, X-rays, MRIs, CT scans, mammograms, PET-CT, and more
- Prenatal testing, genetic studies, and advanced medical technology procedures
🏥 Hospitalisation and Surgery
- Private room with a bed for a companion
- Hospitalisation due to illness or surgery
- Access to intensive care units (ICU)
🦷 Dental Care
Basic dental coverage included: annual cleanings, extractions, dental consultations, and basic radiology
💖 Preventive Medicine
Prevention programmes tailored to your age and profile: medical check-ups, early cancer detection, cardiovascular health, women’s health, and more.
🧠 Mental Health and Emotional Support
- Psychologist consultations within the AXA network and reimbursement available
- 24/7 telephone psychological support
🌍 International Assistance
- With AXA Salud Óptima: emergency medical coverage while travelling, up to €15,000 per year
- With Óptima Plus: in addition to emergency coverage, you also get reimbursement for medical treatments abroad
💻 Digital Services
- Telemedicine, video consultations, and medical chat
- 24-hour telephone medical support
📌 Not sure which coverage is right for you?
At C1 Broker, we’ll explain everything in detail and help you choose the ideal plan for your needs.
🔘 Request more information now
Professional Health Insurance Advice with C1 Broker
At C1 Broker, we are specialists in health insurance and can guide you through the differences between various plans and insurance providers in Spain. We’ll explain not only the benefits but also the potential limitations of certain private health insurance policies.
Remember… your health future shouldn’t be left to chance — it should be in the hands of experienced professionals with the right training and many years of expertise.
Request a health insurance consultation today or send us your details and we’ll prepare a personalised quote for your health policy.
⭐ Why Does C1 Broker Recommend AXA Health Insurance?
At C1 Broker, we’ve spent years helping expats find the perfect health insurance solution. And when it comes to quality, experience, and trust, AXA Health is one of our top recommendations.
Here’s why we trust and recommend AXA:
✅ Reliability and Strength
AXA is one of the most recognised insurance companies worldwide, with a long-standing reputation and millions of policyholders. It offers security, stability, and real guarantees you can count on.
✅ Clear and Comprehensive Coverage
Whether you choose AXA Salud Óptima or Óptima Plus, you’ll benefit from broad, transparent medical coverage with no fine print – and options tailored to your lifestyle and needs.
✅ Total Flexibility
Prefer to use AXA’s medical network or select your own doctor? Need care just in Spain or internationally too? AXA has solutions for all types of clients – from those who want simplicity to those who need full flexibility.
✅ Cutting-edge Medical Technology
AXA includes advanced diagnostics and treatments, preventive care programmes, and access to internationally recognised medical centres.
✅ No Co-pays & Reimbursement Options
Unlike many insurers, AXA offers no co-pay plans, plus reimbursement options if you prefer to receive treatment outside the AXA medical network.
✅ Personalised Support with C1 Broker
At C1 Broker, we offer more than just a policy. You get clear, personalised advice, help choosing the right plan, full support during setup, and ongoing assistance when you need to use your insurance.
📌 Health is too important to leave in the hands of just anyone.
That’s why C1 Broker trusts AXA.
🤔 Have Questions About AXA Health Insurance? We explain everything clearly and simply
AXA Health offers a wide portfolio of health insurance plans designed to suit different needs, ages, budgets, and lifestyles. From basic policies with co-pays to international reimbursement plans, AXA provides flexible solutions for individuals, families, freelancers, and companies.
At C1 Broker, we especially recommend two top products that stand out for their balance of quality, coverage, and added value:
- AXA Salud Óptima
A no co-pay health insurance plan, ideal for those who want private medical care with direct access to specialists, hospitalisation, diagnostic tests, and a medical network of over 44,000 services across Spain.
- AXA Salud Óptima Plus
A premium option that includes all the benefits of Óptima, and also gives you the freedom to visit any doctor or clinic — in Spain or abroad — with reimbursement of up to 90% of medical expenses (depending on the plan selected).
👉 On this page, you’ll find a clear comparison between both products to help you discover which plan best fits your needs.
🔗 Request your personalised quote
The lifetime policy guarantee is one of the most valuable benefits offered by AXA Health Insurance. It means that once your policy is active, your medical coverage is guaranteed for life.
Why is this so important?
Imagine that after several years of being insured, you’re diagnosed with a serious illness such as cancer, diabetes, or a chronic condition. With a lifetime-guaranteed policy from AXA, you never have to worry about your insurance being cancelled due to the high cost of treatment.
This type of guarantee is essential for anyone who values long-term peace of mind, because health can change at any time — and having a lifetime policy ensures continued access to top doctors and treatments, even if your medical condition changes.
👉 The lifetime policy becomes most valuable when you need it most. With AXA Health, your peace of mind is protected for life.
🔘 Learn how AXA’s lifetime policy protects you and your family
AXA is one of the largest and most recognised insurance companies in the world, operating in over 50 countries and serving more than 93 million clients. Its solid experience, financial strength, and commitment to innovation make it a global leader in health, life, home, and business insurance.
In Spain, AXA is one of the top-rated insurers, offering access to a premium medical network, cutting-edge healthcare technology, and an excellent reputation for customer service.
Choosing AXA means choosing reliable protection, medical excellence, and the confidence of being well-covered, no matter where you are.
👉 At C1 Broker, we help you access the best conditions for your AXA Health Insurance, with clear, expert, and personalised guidance.
🔗 Request your personalised quote
Because at C1 Broker, we explain everything clearly and transparently, with no fine print. We help you compare your options, handle the entire setup process, and we’re by your side whenever you need to use your insurance.
And the best part? You don’t pay anything extra when you take out your policy through us — you just get better service and complete support.
👉 Discover how we can help you:
🔗 Contact C1 Broker
You can take out an AXA health insurance policy up to age 65 (actuarial age). Once the policy is in place, your coverage is guaranteed for life — AXA will not cancel your policy due to age or usage.
👉 Don’t miss the opportunity to secure your health cover. We offer free, no-obligation advice:
🔗 Speak with a C1 Broker advisor
Yes. AXA allows you to take out family health insurance policies in all plan options. You can include your partner, children, and even benefit from special conditions depending on the number of insured family members.
👉 At C1 Broker, we’ll prepare a tailored quote for your family:
🔗 Get a family AXA health insurance quote
Yes. All AXA Health Insurance plans include emergency medical assistance while travelling, with coverage of up to €15,000 per year.
With Óptima Plus, you can also visit doctors or clinics outside Spain and receive reimbursement for a percentage of the medical costs.
👉 At C1 Broker, we’ll explain exactly how to make the most of this coverage:
🔗 Request personalised advice
AXA Health offers two main health insurance plans:
AXA Salud Óptima: a no co-pay plan with access to AXA’s extensive medical network in Spain.
AXA Salud Óptima Plus: includes all the benefits of Óptima, plus reimbursement for medical expenses and complete freedom to choose doctors and clinics, both in Spain and abroad.
AXA’s health insurance plans include:
Primary care, specialist consultations, emergency services, hospitalisation, diagnostic tests, basic dental care, preventive health programmes, psychological support, and telemedicine services.
With Óptima Plus, you also benefit from medical expense reimbursement and extended international coverage.
👉 Check all coverage details here:
🔗 View AXA Health Insurance coverage
It’s a no co-pay health insurance option that gives you access to AXA’s medical network of over 44,000 professionals across Spain. It includes hospitalisation, emergency care, diagnostic tests, basic dental care, and psychological support.
👉 Learn more here:
🔗 AXA Salud Óptima – No Co-pay Insurance
It’s AXA’s most comprehensive health insurance option. It includes all the benefits of the Óptima plan, and also gives you the freedom to choose any doctor or clinic, anywhere, with reimbursement of up to 90% of medical expenses. It also covers treatments abroad.
👉 Find out all the details here:
🔗 AXA Salud Óptima Plus – Reimbursement Insurance with Full Freedom of Choice
Ready to Take Out Your AXA Health Insurance with C1 Broker?
You choose the path. We’ll guide you.
Whether you’re looking for a no co-pay plan with access to Spain’s top private medical network, or a premium option with reimbursement and total freedom of choice, C1 Broker is here to help you choose the perfect AXA Health Insurance for you and your family.
📞 We offer free, no-obligation advice, with a friendly and professional approach.
👉 Request your personalised quote now and start protecting your health with total peace of mind.
