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Congratulations! You are about to hire your AXA Health Insurance policy. Please check your email inbox. We have just sent you the steps to follow for the formalization of your health policy. We remind you that we are at your disposal for any questions or clarification.

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Your Health Insurance in Spain
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Excellent price-quality ratio: from only €23 per month.

  • AXA Seguros is the only insurance company that guarantees the non-cancellation of your policy from the first day.
  • Special discounts for families.
  • Best health insurance according to a study by the consulting company Cronos for the eighth consecutive year.
  • The broadest list of physicians and the most prestigious private hospitals.
  • Leading medical techniques. 
  • AXA Anke Sevenster’s personalized consulting.

We have the Health insurance option that meets your needs:

OPTIMA FAMILIAR, from €23 per month - “I want high-quality private assistance, at the best possible price"

OPTIMA, from €42 per month - “I want an insurance with 100% coverage, fixed premiums and no surprises”

OPTIMA PLUS, from €49 month - "I want complete freedom to choose my doctor, in Spain and abroad, as well as even broader coverages” - Free choice of doctors worldwide, up to €601,719 reimbursement and additional Premium coverages.


ONLY FOR BRITISH CITIZENS - OUR OPTIMA PLUS BREXIT-PACKAGE: QUOTE ON REQUEST (Contact us)

We fulfil all requirements for the residency: ➡️No waiting periods ➡️Without copay, ➡️Acceptance of your passport-number in the first year of insurance, ➡️Get high-quality private assistance with access to the broadest list of AXA physicians and the most prestigious private hospitals

Special conditions for this offer: ✅ Only for British citizens, ✅ Yearly payment with a special premium, ✅ No lifetime Insurance (no vitalicia) ✅ Only available for the Optima Plus Package


For information on Health Insurance from 65 years of age please make the request through our email info@ankesevenster.com

OPTIMA FAMILIAR Health insurance, from €23 per month

“I want high-quality private assistance, at the best possible price”

  • Access to AXA contracted physicians, with copay.
  • All “Optima” coverages: hospitalisation and surgery, medical visits, diagnostic tests, treatments, work and road accidents, prosthesis, etc.
  • With 3 copay options. The higher the copay, the greater the discount on the premium:

Optima Familiar S: Copays from €2  to €20 per service.

Optima Familiar M: Copays from €6 to €40 (maximum €250 per year).

Optima Familiar L: Copays from €10 to €50 (maximum €450 per year).


OPTIMA Health insurance, from €42 per month

“I want an insurance with 100% coverage, fixed premiums and no surprises”

  • Access to AXA contracted physicians, with no cost for using your insurance card
  • All “Optima” coverages: hospitalisation and surgery, medical visits, diagnostic tests, treatments, work and road accidents, prosthesis, etc.


OPTIMA PLUS Health insurance, from €49 per month

“I want complete freedom to choose my doctor, in Spain and abroad, as well as even broader coverages”

  • All “Optimacoverages, with no cost for using your insurance card: hospitalisation and surgery, medical visits, diagnostic tests, treatments, work and road accidents, prosthesis, etc,
  • Reimbursement with free choice of doctors: AXA Optima Plus has one of the highest insured amounts of the market, as it guarantees €601,719 reimbursement per insurance holder per year.

80% reimbursement of invoices from non-contracted private doctors.

80% reimbursement for hospitals worldwide.

90% reimbursement for non-contracted private hospitals in Spain.

Premium coverages: Psychology, osteopathy, assisted reproductive technology, laser correction for short-sightedness, ozone therapy, Da Vinci method, etc… 

Work out your Health Insurance in 1 minute!

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  • Firstname
  • Surname
  • Town
  • E-Mail
  • Insurance start date
  • Do you live in Mallorca?
  • Phone
  • Number of persons insured:
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  • Date of birth
  • Smoker
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It is not possible to make a quotation through our website with the data provided. Please contact our offices and we will inform you of your contract conditions.

Offer valid in accordance with the General terms and conditions of AXA Seguros and only for new contracts

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How does health insurance work in Spain?

If you emigrate to Spain, you can be admitted to the Seguridad Social (National Health System) either as an employee or self-employed. This system is very good for primary care and also in general. The problem is that waiting times are very long and patients cannot choose their doctor. For medical appointments with a specialist without additional payment and waiting time as well as medical consultation programs, you are better provided with a private health insurance. The contributions are cheaper than with British private insurances. Under the following link you can see the amount you would pay monthly if you took out the private health insurance of AXA Spain.

What is covered by private health insurance in Spain?

Unlike in Britain, private health insurance in Spain is not a full insurance. Certain coverages, such as organ transplants, are only possible through the Seguridad Social due to legal regulations. For this reason, it depends on the choice of the private health insurance. AXA offers you two insurance options which almost correspond to a full insurance according to British standards: The "Optima" option offers you all-round protection in Spain by AXA Contract Doctors. "Optima Plus" includes a free choice of doctors worldwide. Find out more details about Optima and Optima Plus under the following link.

Do I have to be resident to take out a health insurance?

You do not need to be registered as a resident. The basic requirement for concluding a contract is a stay of more than 6 months in Spain.

How does AXA Optima private health insurance work?

Our Optima insurance package offers you comprehensive all-round protection by private AXA specialists and hospitals in Spain. With this insurance option, you don't have to pay in advance or practice fees. All coverage is provided by AXA Contract Doctors directly with your health insurance card.

How does AXA Optima Plus private health insurance work?

Our AXA Optima Plus insurance package includes the same all-round protection as AXA Optima, plus additional benefits. In addition, Optima Plus offers you a worldwide free choice of doctors and the possibility of reimbursement.

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