{"id":1341,"date":"2026-04-10T17:50:51","date_gmt":"2026-04-10T17:50:51","guid":{"rendered":"https:\/\/axasegurodeauto.com.mx\/blog\/?p=1341"},"modified":"2026-04-10T17:50:53","modified_gmt":"2026-04-10T17:50:53","slug":"deducible-seguro-de-gastos-medicos-mayores-axa","status":"publish","type":"post","link":"https:\/\/axasegurodeauto.com.mx\/blog\/deducible-seguro-de-gastos-medicos-mayores-axa\/","title":{"rendered":"Conoce el deducible del Seguro de Gastos M\u00e9dicos Mayores AXA"},"content":{"rendered":"\n<p>Al contratar un seguro de salud<strong>, es importante que conozcas a detalle c\u00f3mo funciona tu p\u00f3liza y los t\u00e9rminos que la componen<\/strong>. El deducible del <a href=\"https:\/\/axasegurodeauto.com.mx\/blog\/seguro-de-gastos-medicos-mayores-axa\/\" target=\"_blank\" rel=\"noreferrer noopener\">seguro de gastos m\u00e9dicos mayores AXA<\/a> es un concepto que debes conocer para que uses tu seguro sin inconvenientes.<\/p>\n\n\n\n<p>Ya que, al elegir el porcentaje del <strong>deducible sabr\u00e1s cu\u00e1nto pagar\u00e1s de tu bolsa<\/strong> antes de que AXA cubra los gastos m\u00e9dicos.<\/p>\n\n\n\n<p>En el siguiente art\u00edculo te explicamos en qu\u00e9 consiste, c\u00f3mo aplica y cu\u00e1les son los porcentajes que se aplican en caso de siniestro.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_74 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\r\n<div class=\"ez-toc-title-container\">\r\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">\u00cdndice<\/p>\r\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\r\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/axasegurodeauto.com.mx\/blog\/deducible-seguro-de-gastos-medicos-mayores-axa\/#%C2%BFQue_es_el_deducible_en_un_Seguro_de_Gastos_Medicos_AXA\" >\u00bfQu\u00e9 es el deducible en un Seguro de Gastos M\u00e9dicos AXA?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/axasegurodeauto.com.mx\/blog\/deducible-seguro-de-gastos-medicos-mayores-axa\/#%C2%BFComo_funciona_el_deducible_en_AXA\" >\u00bfC\u00f3mo funciona el deducible en AXA?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/axasegurodeauto.com.mx\/blog\/deducible-seguro-de-gastos-medicos-mayores-axa\/#%C2%BFCuando_aplica_el_deducible\" >\u00bfCu\u00e1ndo aplica el deducible?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/axasegurodeauto.com.mx\/blog\/deducible-seguro-de-gastos-medicos-mayores-axa\/#%C2%BFCual_es_el_monto_del_deducible_en_AXA\" >\u00bfCu\u00e1l es el monto del deducible en AXA?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/axasegurodeauto.com.mx\/blog\/deducible-seguro-de-gastos-medicos-mayores-axa\/#%C2%BFSe_paga_el_deducible_en_todas_las_consultas\" >\u00bfSe paga el deducible en todas las consultas?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/axasegurodeauto.com.mx\/blog\/deducible-seguro-de-gastos-medicos-mayores-axa\/#%C2%BFCuando_conviene_elegir_un_deducible_alto_o_bajo\" >\u00bfCu\u00e1ndo conviene elegir un deducible alto o bajo?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/axasegurodeauto.com.mx\/blog\/deducible-seguro-de-gastos-medicos-mayores-axa\/#%C2%BFCual_es_la_diferencia_entre_deducible_y_coaseguro\" >\u00bfCu\u00e1l es la diferencia entre deducible y coaseguro?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/axasegurodeauto.com.mx\/blog\/deducible-seguro-de-gastos-medicos-mayores-axa\/#Tips_para_elegir_el_deducible_en_tu_seguro_AXA\" >Tips para elegir el deducible en tu seguro AXA<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/axasegurodeauto.com.mx\/blog\/deducible-seguro-de-gastos-medicos-mayores-axa\/#Preguntas_frecuentes\" >Preguntas frecuentes<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/axasegurodeauto.com.mx\/blog\/deducible-seguro-de-gastos-medicos-mayores-axa\/#%C2%BFEl_deducible_se_paga_cada_ano\" >\u00bfEl deducible se paga cada a\u00f1o?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/axasegurodeauto.com.mx\/blog\/deducible-seguro-de-gastos-medicos-mayores-axa\/#%C2%BFSe_puede_cambiar_el_deducible\" >\u00bfSe puede cambiar el deducible?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/axasegurodeauto.com.mx\/blog\/deducible-seguro-de-gastos-medicos-mayores-axa\/#%C2%BFEl_deducible_aplica_en_emergencias\" >\u00bfEl deducible aplica en emergencias?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/axasegurodeauto.com.mx\/blog\/deducible-seguro-de-gastos-medicos-mayores-axa\/#%C2%BFQue_pasa_si_no_pago_el_deducible\" >\u00bfQu\u00e9 pasa si no pago el deducible?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\r\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_es_el_deducible_en_un_Seguro_de_Gastos_Medicos_AXA\"><\/span><strong>\u00bfQu\u00e9 es el deducible en un Seguro de Gastos M\u00e9dicos AXA?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>El <strong>deducible<\/strong> es la cantidad fija que debes pagar por cada padecimiento o accidente antes de que tu seguro cubre los gastos.<\/p>\n\n\n\n<p>Es decir, cuando tienes un gasto m\u00e9dico, primero cubres el deducible y despu\u00e9s AXA comienza a pagar de acuerdo a las condiciones de tu p\u00f3liza.<\/p>\n\n\n\n<p>Por ejemplo, si los gastos hospitalarios fueron de $100,000 MXN, el deducible que pagar\u00e1s es de $15,000 MXN, el resto lo cubre AXA (menos el coaseguro si es que aplica).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFComo_funciona_el_deducible_en_AXA\"><\/span><strong>\u00bfC\u00f3mo funciona el deducible en AXA?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>El deducible AXA aplica por evento o enfermedad<\/strong>, solo se paga una vez por cada padecimiento y se debe cubrir antes del coaseguro.<\/p>\n\n\n\n<p>Es decir, que si continuas con el mismo tratamiento, no tendr\u00e1s que pagar nuevamente el deducible.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFCuando_aplica_el_deducible\"><\/span><strong>\u00bfCu\u00e1ndo aplica el deducible?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>El deducible AXA aplica en casi todos los gastos m\u00e9dicos como:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Hospitalizaciones.<\/li>\n\n\n\n<li>Cirug\u00edas.<\/li>\n\n\n\n<li>Tratamientos especializados.<\/li>\n\n\n\n<li>Accidentes graves.<\/li>\n<\/ul>\n\n\n\n<p>Es importante que sepas que algunos beneficios adicionales o coberturas menores pueden no requerir deducible, pero dependen del plan que hayas contratado. &nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped wp-block-gallery-1 is-layout-flex wp-block-gallery-is-layout-flex\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"400\" data-id=\"1343\" src=\"https:\/\/axasegurodeauto.com.mx\/blog\/wp-content\/uploads\/2026\/04\/Cuando-aplica-el-deducible.png\" alt=\"Cu\u00e1ndo aplica el deducible\" class=\"wp-image-1343\" srcset=\"https:\/\/axasegurodeauto.com.mx\/blog\/wp-content\/uploads\/2026\/04\/Cuando-aplica-el-deducible.png 768w, https:\/\/axasegurodeauto.com.mx\/blog\/wp-content\/uploads\/2026\/04\/Cuando-aplica-el-deducible-300x156.png 300w\" sizes=\"auto, (max-width: 768px) 100vw, 768px\" \/><\/figure>\n<\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFCual_es_el_monto_del_deducible_en_AXA\"><\/span><strong>\u00bfCu\u00e1l es el monto del deducible en AXA?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>El <strong>deducible no es una cantidad \u00fanica<\/strong> ya que depende del plan que hayas contratado en AXA. En la siguiente tabla te <strong>ejemplificamos los montos<\/strong> y elijas la mejor opci\u00f3n:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Nivel de deducible<\/strong><\/td><td><strong>Descripci\u00f3n<\/strong><\/td><\/tr><tr><td>Bajo ($5,000 \u2013 $10,000)<\/td><td>Prima m\u00e1s alta, menor gasto al usar el seguro<\/td><\/tr><tr><td>Medio ($10,000 \u2013 $20,000)<\/td><td>Balance entre costo y cobertura<\/td><\/tr><tr><td>Alto ($20,000 o m\u00e1s)<\/td><td>Prima m\u00e1s econ\u00f3mica, pero mayor gasto inicial<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Entre m\u00e1s alto sea el deducible, menor ser\u00e1 el <a href=\"https:\/\/axasegurodeauto.com.mx\/blog\/costo-del-seguro-de-gastos-medicos-mayores-axa\/\" target=\"_blank\" rel=\"noreferrer noopener\">costo del seguro de gastos m\u00e9dicos AXA<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFSe_paga_el_deducible_en_todas_las_consultas\"><\/span><strong>\u00bfSe paga el deducible en todas las consultas?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>No, el deducible generalmente no aplica en consultas m\u00e9dicas simples, sino en eventos que generan gastos mayores como hospitalizaci\u00f3n o tratamientos m\u00e1s complejos.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFCuando_conviene_elegir_un_deducible_alto_o_bajo\"><\/span><strong>\u00bfCu\u00e1ndo conviene elegir un deducible alto o bajo?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Elegir el tipo de deducible depende del perfil que tengas y la capacidad financiera:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Deducible bajo<\/strong><\/td><td><strong>Deducible alto<\/strong><\/td><\/tr><tr><td>Prefieres pagar menos en emergencias<\/td><td>Quieres reducir el costo anual del seguro<\/td><\/tr><tr><td>No cuentas con ahorro disponible<\/td><td>Tienes un fondo de emergencias<\/td><\/tr><tr><td>Buscas mayor tranquilidad financiera<\/td><td>Usas poco los servicios m\u00e9dicos<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFCual_es_la_diferencia_entre_deducible_y_coaseguro\"><\/span><strong>\u00bfCu\u00e1l es la diferencia entre deducible y coaseguro?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Veamos en qu\u00e9 consiste cada una de ellas, el <strong>deducible es el monto fijo inicial que pagas<\/strong> y el <strong>coaseguro es el porcentaje del gasto que compartes con la aseguradora<\/strong>.<\/p>\n\n\n\n<p>Por ejemplo, en caso de emergencia, los gastos son de $100,000, deducible a pagar: $10,000 con un coaseguro del 10%.<\/p>\n\n\n\n<p>El c\u00e1lculo quedar\u00eda de la siguiente manera:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pagas $10,000 del deducible.<\/li>\n\n\n\n<li>Restan $90,000, debes aportar con el 10% de coaseguro = $9,000.<\/li>\n\n\n\n<li>AXA cubre $81,000.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped wp-block-gallery-2 is-layout-flex wp-block-gallery-is-layout-flex\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"400\" data-id=\"1342\" src=\"https:\/\/axasegurodeauto.com.mx\/blog\/wp-content\/uploads\/2026\/04\/diferencia-entre-deducible-y-coaseguro.png\" alt=\"Cu\u00e1l es la diferencia entre deducible y coaseguro\" class=\"wp-image-1342\" srcset=\"https:\/\/axasegurodeauto.com.mx\/blog\/wp-content\/uploads\/2026\/04\/diferencia-entre-deducible-y-coaseguro.png 768w, https:\/\/axasegurodeauto.com.mx\/blog\/wp-content\/uploads\/2026\/04\/diferencia-entre-deducible-y-coaseguro-300x156.png 300w\" sizes=\"auto, (max-width: 768px) 100vw, 768px\" \/><\/figure>\n<\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Tips_para_elegir_el_deducible_en_tu_seguro_AXA\"><\/span><strong>Tips para elegir el deducible en tu seguro AXA<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Antes de elegir el deducible, toma en cuenta lo siguiente:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Eval\u00faa tu presupuesto mensual.<\/li>\n\n\n\n<li>Considera tu historial m\u00e9dico.<\/li>\n\n\n\n<li>Analiza cu\u00e1nto podr\u00edas pagar en caso de emergencia.<\/li>\n<\/ul>\n\n\n\n<p>Un error que debes omitir es optar por un deducible alto para pagar menos y despu\u00e9s no poder cubrir los gastos en caso de emergencias. Elige lo que m\u00e1s se adecue a tu presupuesto sin afectar tu bolsillo.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Preguntas_frecuentes\"><\/span><strong>Preguntas frecuentes<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFEl_deducible_se_paga_cada_ano\"><\/span><strong>\u00bfEl deducible se paga cada a\u00f1o?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>No, se paga por evento, es decir, en caso de enfermedad o accidente, no de forma anual.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFSe_puede_cambiar_el_deducible\"><\/span><strong>\u00bfSe puede cambiar el deducible?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>S\u00ed, pero generalmente solo al renovar tu p\u00f3liza.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFEl_deducible_aplica_en_emergencias\"><\/span><strong>\u00bfEl deducible aplica en emergencias?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>S\u00ed, aunque en algunos casos primero se atiende la emergencia y despu\u00e9s se regulariza el pago.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_pasa_si_no_pago_el_deducible\"><\/span><strong>\u00bfQu\u00e9 pasa si no pago el deducible?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>La aseguradora no cubrir\u00e1 los gastos hasta que cumplas con el monto que debes liquidar.<\/p>\n\n\n\n<p>El deducible en el Seguro de Gastos M\u00e9dicos Mayores de AXA es importante que impacta en el costo de la p\u00f3liza como tu gasto en caso de enfermedad o accidentes.<\/p>\n\n\n\n<p>Conocer c\u00f3mo funciona te permite tomar una decisi\u00f3n inteligente y evita malos entendidos en caso de usar tu seguro.<\/p>\n\n\n<script>  const tipoform = \"GMM\";<\/script>\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Al contratar un seguro de salud, es importante que conozcas a detalle c\u00f3mo funciona tu p\u00f3liza y los t\u00e9rminos que [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":1344,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center 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