AXA Health Óptima | No-Copayment Health Insurance with Full Cover

No. AXA Health Óptima is a no-copayment health insurance, meaning you won’t have to pay anything extra for consultations, tests, or treatments. You only pay your monthly premium.
👉 At C1 Broker, we help you sign up for this insurance clearly and with no surprises.
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You can sign up for AXA Health Óptima up until 65 actuarial years (based on your birthdate and proximity to your next birthday). And the best part: once you’re covered, your insurance is lifetime. This means AXA will never cancel your policy due to age or usage, as long as you keep your payments up to date and comply with the general terms and conditions.

👉 If you’re close to 65 and want to secure lifetime top medical coverage, C1 Broker can help you manage it quickly and easily:
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Yes. AXA Health Óptima includes mental health services, with coverage for in-person consultations with psychologists within the medical network or via reimbursement, as well as 24/7 telephone psychological support. This is particularly valuable if you’re going through stress, anxiety, or simply want to look after your emotional wellbeing.

👉 At C1 Broker, we’ll provide you with all the details about these mental health covers for you or your family:
🔘 I want more information about mental health coverage

Yes, the insurance includes basic dental coverage, which covers one annual dental cleaning, simple extractions, X-rays, and dental consultations. This coverage is already included in the product at no additional cost.

👉 If you want to know everything it covers and how to use it, at C1 Broker, we’ll explain it to you clearly and quickly:
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Yes, it is possible to eliminate the 6-month waiting period with AXA Health if you are switching from another health insurance. This benefit applies as long as you meet the following conditions:

• 🧾 Provide a copy of the last paid receipt from your previous health insurance.
• 📅 This receipt must correspond to the month before you sign up for AXA Health Óptima.

This allows you to access certain covers from day one, without waiting the usual 6 months. However, this waiver applies only to the 6-month waiting period. Other waiting periods (such as 7, 8, 12, 24, or 60 months) cannot be waived automatically and will apply depending on the type of coverage.

👉 At C1 Broker, as expert health insurance brokers, we’ll help you manage this process properly, reviewing your documents and ensuring you take full advantage of all available benefits from the start.

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Yes. AXA Health Óptima offers a guaranteed lifetime coverage in writing. This means that once you take out the policy, AXA cannot cancel it due to age or usage, as long as you comply with the general terms of the contract (such as keeping payments up to date and not withholding any relevant medical information).

This lifetime clause gives you complete peace of mind, knowing that you’ll always have access to private healthcare, even during the stages of life when you might need it the most.

👉 At C1 Broker, we’ll explain this guarantee in detail and help you take out the insurance with total confidence and no small print.

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Signing up for AXA Health Óptima is a simple process, but it requires a few important steps to ensure the insurance fits your health profile:

• 🩺 Mandatory Health Questionnaire: All individuals you want to include in the policy must complete a detailed questionnaire, providing information about current or past illnesses, treatments, tests, or symptoms.
• 💻 You can do this digitally by signing electronically, or over the phone, through AXA’s Medical Service. In that case, the conversation will be recorded as proof of acceptance.
• 📄 Based on your answers, AXA will prepare a personalised proposal, which is valid for a limited time and subject to their underwriting policy.
• 🖊️ The insurance is activated once the policy is signed and the first payment is made. If payment is not received, AXA is not obligated to provide coverage.
• ❌ You have 15 days from the policy issue date to cancel without penalty, receiving a refund of the amount paid (minus the proportionate cost for the coverage provided up until that point).

👉 At C1 Broker, we’ll guide you through this entire process, ensuring you sign up with complete peace of mind, without errors, and with expert advice.

🔘 Start your secure sign-up with C1 Broker

In general, AXA Health Óptima and AXA Health Óptima Plus do not cover pre-existing conditions. However, there are some key points to consider:

• 📝 You must declare all health conditions in the medical questionnaire completed when signing up for the insurance.
• ✅ If you disclose a pre-existing condition and AXA does not specifically exclude it, that condition could be covered.
• ⚠️ If you omit or provide incorrect information, AXA could exclude the condition from the policy or even void the policy due to misrepresentation.

📌 A pre-existing condition is defined as any health issue that existed before signing up for the insurance, even if it was not formally diagnosed but you were experiencing known symptoms.

👉 That’s why it’s crucial to be completely honest and transparent when completing the health questionnaire. At C1 Broker, as expert health insurance brokers, we’ll assist you throughout this process, helping you declare everything correctly and without errors.

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Yes, there are waiting periods with AXA Health Óptima, meaning that some services will only be available after a certain amount of time following the policy start date.

Here are the most important ones:

• 6 months waiting period for hospitalisations, surgical procedures, complex treatments (such as radiotherapy, dialysis, or physiotherapy), high-tech diagnostic tests, preventive health programmes, and home medical care.

• 7 months waiting period for dental treatments if you have dental coverage (e.g., fillings).

• 8 months waiting period for childbirth assistance, C-sections, tubal ligation, vasectomies, umbilical cord blood storage, and postpartum care.

• 12 months waiting period for urinary incontinence rehabilitation and cognitive telerehabilitation.

• 24 months waiting period for genetic tests such as BRCA Plus, assisted reproduction, and other specific therapies.

• 60 months (5 years) waiting period for bariatric surgery for obesity.

💡 Important: If you’re switching from another health insurance provider and can provide the most recent paid receipt, AXA may waive the 6-month waiting period.

👉 At C1 Broker, as expert health insurance brokers, we’ll explain clearly which covers are available from day one and which have waiting periods, so you can make the best decision, without small print.

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⏳  Waiting Periods – AXA Health Óptima

💡 Important note:
If you already have health insurance and are switching from another company, AXA may waive the 6-month waiting period. You simply need to present your most recent paid receipt from the previous insurer (covering the month before the new policy starts).

👉 At C1 Broker, we take care of the process for you – quickly and without complications.

🔘 Consult with an expert advisor

You’re covered. With AXA Health Óptima, you have emergency medical assistance abroad, with cover up to €15,000 per year for urgent care while travelling.

👉 At C1 Broker, we’re here to answer all your questions and explain how to use this coverage while you’re travelling.
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The coverage is immediate from the policy start date. However, some specific covers have waiting periods, such as hospitalisations, childbirth, or complex treatments.

👉 At C1 Broker, we’ll explain with complete transparency which covers are available from day one.
🔘 Speak with an expert advisor

AXA Health Óptima is a no-copayment insurance with the option to choose doctors within the AXA medical network in Spain. However, it does include reimbursements for certain specific services that are not covered within the medical network.

AXA Health Óptima includes reimbursements for the following services:

• Emergency home visits for General Medicine, Paediatrics, and Nursing

• Specialist medical and surgical consultations

• Intraoperative neurophysiological monitoring (reimbursement only)

• Growth factors in orthopaedic and trauma surgeries (reimbursement only)

• Laser treatment for varicose veins (reimbursement only)

• Psychology consultations (reimbursement only)

• Umbilical cord cell storage (reimbursement only)

• Optional dental cover: reimbursement for 4 annual fillings per insured person, up to €172.40 per year

If you’re looking for more flexibility in choosing doctors outside the AXA network or more services with reimbursements, we recommend AXA Health Óptima Plus.