Exclusive AXA agency
AXA health insurance with or without co-payment for residents, families, the self-employed and anyone moving to Spain. We tell you which plan suits you and what it costs.
About us
We are MD Asesores, an exclusive AXA agency. We help you choose the health insurance that fits you, give you the waiting periods and exclusions in writing before you sign, and stay with you when you use it, wherever you are in Spain.
102
days average wait for a specialist in the public system
500€
tax-deductible per person per year if self-employed
0€
co-payment when you use AXA Óptima Plus
Our plans
AXA groups its health insurance in the Óptima range. All three plans use the AXA medical network; what changes is the cover and how freely you choose your doctor.
For everyday care without hospital stays: GP, specialists, diagnostic tests and video consultations. The most affordable plan in the range.
Full cover: specialists, emergencies, tests, hospital stays and operations, pregnancy and childbirth. Óptima Familiar puts the whole family on one policy.
Everything in Óptima, plus the freedom to see doctors outside the network, in Spain or abroad: you pay the bill and AXA reimburses part of it.
A separate policy for your teeth: consultations, a yearly clean and extractions. It adds on to any plan.
How we work
We are a small agency with real names. This is what you can expect from us from the first call.
We work only with AXA and know every plan in the Óptima range inside out.
Price, waiting periods and exclusions on one page before you sign. No surprises.
If AXA needs to authorise a test or an operation, we handle the request with you.
Sign up by phone and email from any province, or in person at our office.
Waiting lists
In Spanish public healthcare, a first specialist appointment takes 102 days on average. In some regions and specialties, much longer.
With private health insurance you book directly with a specialist in the AXA network, without going through your GP first.
132 days
average wait for a first orthopaedics appointment in the public system. Asked today, it takes you to 7 March 2027.
Source: Spanish Ministry of Health, SISLE-SNS, figures at 31 December 2025.
For your situation
Each page explains which plan usually fits and what to ask before you sign.
Before you sign
These are the two questions we hear most. Here they are, plainly.
Co-paymentPremium and use
With co-payment the monthly premium is lower and you pay a small set fee each time you use a service. Without co-payment the premium is higher and using the insurance costs nothing more. If you see doctors often, no co-payment usually works out better.
Waiting periodsBefore signing
Some cover, such as hospital stays, operations or childbirth, can only be used once a set period has passed after signing. We give you the ones for your policy in writing before you sign.
Common questions
It depends on the age of each person covered, the plan (Óptima Smart, Óptima or Óptima Plus) and whether you choose co-payment. That is why we do not publish a price list: answer the six questions in the quote form and we call you with the price of each plan for your case.
With co-payment the monthly premium is lower and you pay a small set fee each time you use a service, such as a consultation. Without co-payment the premium is higher and using the insurance costs nothing more. If you see doctors often, the version without co-payment usually works out better.
No. With AXA Óptima you book directly with a specialist in the AXA medical network. Some tests and operations need prior authorisation from AXA, and we handle that request with you.
Yes, for some cover, such as hospital stays, operations or childbirth, which can only be used once a set period has passed after signing. We give you the exact waiting periods for your policy in writing before you sign.
Before signing you fill in a health questionnaire. Depending on what you declare, AXA can accept you as normal, accept you excluding that condition or, in some cases, decline the application. Always declare everything: if a condition is hidden, AXA can refuse to pay for anything related to it.
Most residency visas ask for private insurance with no co-payments and no waiting periods, covering what the Spanish public system covers. We explain what to ask for and which document to show on our residency visa insurance page.
Óptima Plus lets you see doctors outside the AXA network, in Spain or abroad, and AXA reimburses part of the bill. Óptima Smart and Óptima work through the AXA medical network in Spain.
The policy renews every year. If you do not want to renew, tell the insurer in writing at least one month before the renewal date, as Spanish insurance law requires. Tell us and we do it with you.
Leave your email, answer six questions and we call you with the price of each plan for your case. No obligation.
Or call us on +34 952 790 443
