AXA Óptima Plus: Your Health, Without Limits or Borders

AXA Salud Óptima Plus is a private health insurance option that offers something unique: total freedom to choose any doctor or clinic you prefer, even if they are not part of AXA’s medical network. This means that if you decide to visit, for example, a trusted private specialist, AXA will reimburse you for part of the money you’ve paid for that consultation or treatment. The reimbursement can be up to 90% in Spain and up to 80% abroad.

👉 If you want to know which option is most suitable for you, C1 Broker will guide you step by step:
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Yes, and that’s one of the great advantages of this insurance. Although AXA Salud Óptima Plus is a reimbursement insurance option, it also gives you full access to AXA’s contracted medical network, with over 44,000 medical services and private centers across Spain. You can choose whether you want to be treated within the medical network (at no cost) or go outside of it and activate the reimbursement system.

👉 At C1 Broker, we help you understand how to combine these options based on your case:
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Yes. AXA Salud Óptima Plus gives you the possibility to receive medical treatment in any country worldwide, as long as it is covered by the policy. Whether due to a serious illness or personal preference, you can choose a doctor or healthcare center abroad, and AXA will reimburse a percentage of the cost (up to 80%). Additionally, the insurance includes travel medical assistance, covering emergencies up to €15,000 annually per insured person.

👉 At C1 Broker, we explain step by step how the international coverage works and what you need to activate it:
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No. AXA Salud Óptima Plus is a no-copay insurance, meaning you won’t have to pay anything additional each time you visit the doctor or undergo a test, whether within the medical network or using the reimbursement option. You only pay your monthly or annual premium, and with that, you get access to all the coverages included in your selected option.

👉 If you’re interested in a plan with full coverage and no surprise costs, at C1 Broker we help you sign up:
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You can sign up for AXA Salud Óptima Plus up to 65 years of actuarial age (which is calculated based on your birthdate and how close you are to your next birthday). And the best part: once signed up, the insurance is lifetime, meaning AXA will not cancel it due to age or usage of the insurance, as long as you keep your payments up to date and meet the general conditions.

👉 If you are close to 65 and want to secure the best medical coverage for life, C1 Broker helps you manage it without wasting time:
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Yes. AXA Salud Óptima Plus includes mental health services, with coverage for in-person consultations with psychologists from the medical network and reimbursement, as well as 24/7 telephone psychological guidance. This is especially valuable if you are going through stressful times, anxiety, or simply want to take care of your emotional well-being.

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

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

👉 If you want to know everything it includes and how to use it, at C1 Broker we explain it to you in a simple and quick way:
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Yes, with AXA Salud Óptima Plus, you can receive medical or surgical assistance abroad in the event of illness or an accident during travel. In specific cases, you can also access prestigious medical centers in the United States thanks to special agreements.

Here are the key points:

• 🌍 International medical coverage during travels, with reimbursement for medical, surgical, pharmaceutical, and hospital expenses, up to €15,000 per insured person per year.
• 🏥 Special agreements with renowned medical centers in the U.S., such as MD Anderson Cancer Center in Houston and Mount Sinai Medical Center in New York, through second medical opinion management.
• 💶 AXA reimburses 80% of covered expenses, up to the limit specified in the policy.
• ☎️ It’s essential to notify AXA before receiving medical care abroad to properly activate the coverage.

👉 At C1 Broker, we help you understand and activate this coverage if needed, and guide you step by step throughout the process.

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Yes, it is possible to eliminate the 6-month waiting periods in AXA Salud Óptima Plus 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 insurance.
• 📅 The receipt must correspond to the month prior to the purchase of AXA Salud Óptima.

This allows you to use certain coverages from day one, without having to wait the usual 6 months. However, this elimination applies only to the 6-month waiting periods. Other waiting periods (such as 7, 8, 12, 24, or 60 months) cannot be automatically waived and are applied according to the type of coverage.

👉 At C1 Broker, as expert health insurance brokers, we help you manage this process correctly, reviewing your documentation and ensuring you make the most of all the benefits from the start.

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Yes. AXA Salud Óptima Plus offers a guaranteed lifetime coverage in writing. This means that once the policy is signed, AXA cannot cancel it due to age or usage of the insurance, as long as you meet the general contract conditions (such as keeping your payments up to date and not withholding relevant medical information).

This lifetime clause provides you with complete peace of mind in the long term, knowing that you will have access to private healthcare forever, even during the stages of life when you may need it most.

👉 At C1 Broker, we explain this guarantee in detail and help you sign up for the insurance with total confidence and no small print.

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Signing up for AXA Salud Óptima Plus is a straightforward process, but it requires some important steps to ensure the insurance suits your health profile:

• 🩺 Mandatory Health Questionnaire: All individuals you wish to include in the policy must complete a questionnaire detailing current or past illnesses, treatments, tests, or symptoms.
• 💻 You can complete this digitally, signing electronically, or by phone through AXA’s Medical Service. In this case, the conversation will be recorded as proof of acceptance.
• 📄 Based on your responses, AXA will prepare a personalized proposal, which has limited validity and is subject to their underwriting policy.
• 🖊️ The insurance is activated once the policy is signed and the first premium is paid. If the premium is not paid, AXA is not obligated to provide coverage.
• ❌ You have 15 days to cancel the policy without penalty from the issuance date, and you will recover the amount paid (minus the proportionate part for the coverage risk up to that point).

👉 At C1 Broker, we support you throughout this process, ensuring you sign up with complete peace of mind, without errors, and with expert advice.

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

• 📝 You must declare all your health conditions in the medical questionnaire completed when signing up for the insurance.
• ✅ If you declare a pre-existing condition and AXA does not explicitly exclude it, that condition could be covered.
• ⚠️ If you omit or provide incorrect information, AXA could exclude the condition from the contract or even cancel the policy for non-disclosure.

📌 A pre-existing condition is considered any health issue that existed before signing up for the insurance, even if there was no formal diagnosis but you had known symptoms.

👉 That’s why it’s crucial to be completely honest and transparent when filling out the health questionnaire. At C1 Broker, as expert health insurance brokers, we guide you through this process to help you declare everything correctly and without errors.

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Yes, there are waiting periods in AXA Salud Óptima Plus, meaning some services will only be available after a certain time from the start of the policy.

Here are the most important ones:

• 6 months waiting period for hospitalizations, surgical interventions, complex treatments (such as radiotherapy, dialysis, or physiotherapy), high-tech tests, preventive medicine programs, and special home medical assistance.

• 7 months for dental treatments (such as fillings) if dental coverage is included.

• 8 months for childbirth assistance, cesareans, tubal ligation, vasectomies, and postpartum care.

• 12 months for urinary incontinence rehabilitation and cognitive tele-rehabilitation.

• 24 months for genetic tests like BRCA Plus, assisted reproduction, and other specific therapies.

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

💡 Important: If you are switching from another health insurance provider and present the last paid receipt, AXA can waive the 6-month waiting period.

👉 At C1 Broker, as health insurance specialists, we clearly explain which coverages you can use from day one and which have waiting periods, so you can make the best decision without any small print.

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⏳ Waiting Periods – AXA Salud Óptima

💡 Important Note: If you already have health insurance and are switching from another company, AXA can eliminate the 6-month waiting period. You only need to present the last paid receipt, corresponding to the month before signing up.
👉 At C1 Broker, we manage this process with you, hassle-free.

🔘 Consult with an expert advisor