{"id":1351,"date":"2026-04-16T17:49:30","date_gmt":"2026-04-16T17:49:30","guid":{"rendered":"https:\/\/axasegurodeauto.com.mx\/blog\/?p=1351"},"modified":"2026-04-16T17:52:23","modified_gmt":"2026-04-16T17:52:23","slug":"coaseguro-de-gastos-medicos-axa","status":"publish","type":"post","link":"https:\/\/axasegurodeauto.com.mx\/blog\/coaseguro-de-gastos-medicos-axa\/","title":{"rendered":"Coaseguro de Gastos M\u00e9dicos AXA: \u00bfCu\u00e1nto pagas?"},"content":{"rendered":"\n<p>Al contratar un <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 <strong>fundamental entender los conceptos que componen tu p\u00f3liza<\/strong> como el coaseguro; ya que, impacta en los que pagar\u00e1s en caso de emergencia m\u00e9dica.<\/p>\n\n\n\n<p>Si est\u00e1s considerando un seguro AXA o tiene uno, te explicamos en esta gu\u00eda qu\u00e9 es el coaseguro, c\u00f3mo funciona y c\u00f3mo se calcula.<\/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\/coaseguro-de-gastos-medicos-axa\/#%C2%BFQue_es_el_coaseguro_en_un_seguro_de_gastos_medicos\" >\u00bfQu\u00e9 es el coaseguro en un seguro de gastos m\u00e9dicos?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/axasegurodeauto.com.mx\/blog\/coaseguro-de-gastos-medicos-axa\/#Diferencia_entre_deducible_y_coaseguro\" >Diferencia entre deducible y coaseguro<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/axasegurodeauto.com.mx\/blog\/coaseguro-de-gastos-medicos-axa\/#%C2%BFComo_funciona_el_coaseguro_de_gastos_medicos_AXA\" >\u00bfC\u00f3mo funciona el coaseguro 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-4\" href=\"https:\/\/axasegurodeauto.com.mx\/blog\/coaseguro-de-gastos-medicos-axa\/#%C2%BFEn_que_casos_aplica_el_coaseguro_de_gastos_medicos_AXA\" >\u00bfEn qu\u00e9 casos aplica el coaseguro 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-5\" href=\"https:\/\/axasegurodeauto.com.mx\/blog\/coaseguro-de-gastos-medicos-axa\/#%C2%BFQue_plan_de_coaseguro_te_conviene\" >\u00bfQu\u00e9 plan de coaseguro te conviene?<\/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\/coaseguro-de-gastos-medicos-axa\/#%C2%BFExiste_un_tope_de_coaseguro_en_el_seguro_de_gastos_medicos_AXA\" >\u00bfExiste un tope de coaseguro en el 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-7\" href=\"https:\/\/axasegurodeauto.com.mx\/blog\/coaseguro-de-gastos-medicos-axa\/#%C2%BFSe_puede_reducir_el_coaseguro_en_AXA\" >\u00bfSe puede reducir el coaseguro en AXA?<\/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\/coaseguro-de-gastos-medicos-axa\/#Consejos_antes_de_contratar_tu_seguro_AXA\" >Consejos antes de contratar 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\/coaseguro-de-gastos-medicos-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\/coaseguro-de-gastos-medicos-axa\/#%C2%BFEl_coaseguro_se_paga_siempre\" >\u00bfEl coaseguro se paga siempre?<\/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\/coaseguro-de-gastos-medicos-axa\/#%C2%BFEl_coaseguro_aplica_en_urgencias\" >\u00bfEl coaseguro aplica en urgencias?<\/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\/coaseguro-de-gastos-medicos-axa\/#%C2%BFSe_puede_eliminar_el_coaseguro\" >\u00bfSe puede eliminar el coaseguro?<\/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\/coaseguro-de-gastos-medicos-axa\/#%C2%BFAXA_cobra_coaseguro_por_cada_evento\" >\u00bfAXA cobra coaseguro por cada evento?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\r\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_es_el_coaseguro_en_un_seguro_de_gastos_medicos\"><\/span><strong>\u00bfQu\u00e9 es el coaseguro en un seguro de gastos m\u00e9dicos?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>El coaseguro es el <strong>porcentaje de los gastos m\u00e9dicos que debes pagar<\/strong> despu\u00e9s de cubrir el deducible.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Diferencia_entre_deducible_y_coaseguro\"><\/span><strong>Diferencia entre deducible y coaseguro<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Concepto<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Descripci\u00f3n<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Cuando pagas<\/strong><\/td><\/tr><tr><td><a href=\"https:\/\/axasegurodeauto.com.mx\/blog\/deducible-seguro-de-gastos-medicos-mayores-axa\/\" target=\"_blank\" rel=\"noreferrer noopener\">Deducible del seguro m\u00e9dico AXA<\/a><\/td><td class=\"has-text-align-center\" data-align=\"center\">Monto fijo<\/td><td class=\"has-text-align-center\" data-align=\"center\">Antes de que el seguro cubra<\/td><\/tr><tr><td>Coaseguro<\/td><td class=\"has-text-align-center\" data-align=\"center\">Porcentaje<\/td><td class=\"has-text-align-center\" data-align=\"center\">Despu\u00e9s del deducible<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Ambos se complementan y determinan tu gasto total.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFComo_funciona_el_coaseguro_de_gastos_medicos_AXA\"><\/span><strong>\u00bfC\u00f3mo funciona el coaseguro de gastos m\u00e9dicos AXA?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>En los seguros m\u00e9dicos AXA, el <strong>coaseguro suele estar entre el 10% y 20%,<\/strong> dependiendo del plan que hayas contratado.<\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"400\" src=\"https:\/\/axasegurodeauto.com.mx\/blog\/wp-content\/uploads\/2026\/04\/Como-funciona-el-coaseguro-en-AXA.png\" alt=\"C\u00f3mo funciona el coaseguro de gastos m\u00e9dicos AXA\" class=\"wp-image-1353\" srcset=\"https:\/\/axasegurodeauto.com.mx\/blog\/wp-content\/uploads\/2026\/04\/Como-funciona-el-coaseguro-en-AXA.png 768w, https:\/\/axasegurodeauto.com.mx\/blog\/wp-content\/uploads\/2026\/04\/Como-funciona-el-coaseguro-en-AXA-300x156.png 300w\" sizes=\"auto, (max-width: 768px) 100vw, 768px\" \/><\/figure>\n\n\n\n<p>Para entender mejor c\u00f3mo funciona, <strong>veamos el siguiente ejemplo<\/strong>: imagina que tienes un deducible de $15,000, coaseguro del 10% con una cuenta hospitalaria de $100,000.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pagas el deducible: $15,000<\/li>\n\n\n\n<li>Resta el deducible al total: $100,000 &#8211; $15,000 = $85,000<\/li>\n\n\n\n<li>Aplica el coaseguro: 10% de $85,000 = $8,500<\/li>\n<\/ul>\n\n\n\n<p>Debes pagar $23,500 y AXA cubre $76,500.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFEn_que_casos_aplica_el_coaseguro_de_gastos_medicos_AXA\"><\/span><strong>\u00bfEn qu\u00e9 casos aplica el coaseguro de gastos m\u00e9dicos AXA? <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>El coaseguro en AXA se aplica en la mayor\u00eda de los gastos m\u00e9dicos como:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Hospitalizaci\u00f3n.<\/li>\n\n\n\n<li>Cirug\u00edas.<\/li>\n\n\n\n<li>Honorarios m\u00e9dicos.<\/li>\n\n\n\n<li>Estudios y an\u00e1lisis.<\/li>\n\n\n\n<li>Medicamentos derivados del tratamiento.<\/li>\n<\/ul>\n\n\n\n<p>Debes tomar en cuenta que los servicios aplican igual, ya que algunos pueden tener condiciones especiales dependiendo de tu p\u00f3liza.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_plan_de_coaseguro_te_conviene\"><\/span><strong>\u00bfQu\u00e9 plan de coaseguro te conviene?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Depende del perfil que tengas, pero veamos en casos te conviene el tipo de coaseguro:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Coaseguro bajo<\/strong><\/td><td><strong>Coaseguro alto<\/strong><\/td><\/tr><tr><td>Quieres mayor protecci\u00f3n financiera<\/td><td>Buscas un seguro m\u00e1s econ\u00f3mico<\/td><\/tr><tr><td>Prefieres pagar menos en emergencias<\/td><td>Tienes un fondo de ahorro para emergencias<\/td><\/tr><tr><td>Tienes capacidad para pagar una prima m\u00e1s alta<\/td><td>Usas poco los servicios m\u00e9dicos &nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFExiste_un_tope_de_coaseguro_en_el_seguro_de_gastos_medicos_AXA\"><\/span><strong>\u00bfExiste un tope de coaseguro en el seguro de gastos m\u00e9dicos AXA?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>S\u00ed, en AXA se establece un l\u00edmite m\u00e1ximo de coaseguro, lo que te da un beneficio para ti. Es decir, aunque el porcentaje sea alto, no pagas m\u00e1s de un monto establecido.<\/p>\n\n\n\n<p>Por ejemplo:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Coaseguro: 10%<\/li>\n\n\n\n<li>Tope: $50,000<\/li>\n<\/ul>\n\n\n\n<p>Si tu coaseguro calculado supera esa cantidad, solo pagas el l\u00edmite establecido.<\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"400\" src=\"https:\/\/axasegurodeauto.com.mx\/blog\/wp-content\/uploads\/2026\/04\/Existe-un-tope-de-coaseguro-en-AXA.png\" alt=\"Existe un tope de coaseguro en el seguro de gastos m\u00e9dicos AXA\" class=\"wp-image-1354\" srcset=\"https:\/\/axasegurodeauto.com.mx\/blog\/wp-content\/uploads\/2026\/04\/Existe-un-tope-de-coaseguro-en-AXA.png 768w, https:\/\/axasegurodeauto.com.mx\/blog\/wp-content\/uploads\/2026\/04\/Existe-un-tope-de-coaseguro-en-AXA-300x156.png 300w\" sizes=\"auto, (max-width: 768px) 100vw, 768px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFSe_puede_reducir_el_coaseguro_en_AXA\"><\/span><strong>\u00bfSe puede reducir el coaseguro en AXA?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>S\u00ed, y es una decisi\u00f3n importante antes de contratar tu seguro:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Elegir un plan con menor coaseguro: <\/strong>10% (m\u00e1s protecci\u00f3n, prima m\u00e1s alta) y 15% o 20% (prima m\u00e1s econ\u00f3mica, pero mayor gasto en siniestro).<\/li>\n\n\n\n<li><strong>Usar hospitales de red.<\/strong> En algunos planes, si usas hospitales y m\u00e9dicos dentro de la red AXA; el coaseguro puede reducirse o eliminarse parcialmente.<\/li>\n\n\n\n<li><strong>Ajustar el deducible. <\/strong>Un deducible alto puede ayudarte a pagar menos prima, pero aumenta tu gasto inicial.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Consejos_antes_de_contratar_tu_seguro_AXA\"><\/span><strong>Consejos antes de contratar tu seguro AXA<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Antes de contratar tu p\u00f3liza de gastos m\u00e9dicos AXA, toma en cuenta lo siguiente:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Revisar el porcentaje de coaseguro.<\/li>\n\n\n\n<li>Verificar el tope m\u00e1ximo.<\/li>\n\n\n\n<li>Analizar el deducible.<\/li>\n\n\n\n<li>Confirmar la red hospitalaria.<\/li>\n\n\n\n<li>Comparar escenarios de gasto.<\/li>\n<\/ul>\n\n\n\n<p>Por lo anterior, podr\u00e1s saber cuando necesitas un seguro sin entrar en complicaciones con la aseguradora.<\/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_coaseguro_se_paga_siempre\"><\/span><strong>\u00bfEl coaseguro se paga siempre?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>S\u00ed, siempre que haya gastos m\u00e9dicos despu\u00e9s de cubrir el deducible, salvo excepciones en tu p\u00f3liza.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFEl_coaseguro_aplica_en_urgencias\"><\/span><strong>\u00bfEl coaseguro aplica en urgencias?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>S\u00ed, aunque puede variar seg\u00fan el hospital y las condiciones del plan.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFSe_puede_eliminar_el_coaseguro\"><\/span><strong>\u00bfSe puede eliminar el coaseguro?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>En algunos casos, usando hospitales de red o planes espec\u00edficos, puede reducirse significativamente.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFAXA_cobra_coaseguro_por_cada_evento\"><\/span><strong>\u00bfAXA cobra coaseguro por cada evento?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Generalmente s\u00ed, pero depende de c\u00f3mo est\u00e9 estructurada tu p\u00f3liza.<\/p>\n\n\n\n<p>El coaseguro en AXA es un elemento clave que define cu\u00e1nto pagar\u00e1s en caso de una enfermedad o accidente. Entenderlo te permite tomar decisiones m\u00e1s inteligentes y elegir un plan que se adapte a tu realidad financiera.<\/p>\n\n\n\n<p>Un seguro no solo se trata de cu\u00e1nto pagas al mes, sino de <strong>cu\u00e1nto pagar\u00e1s cuando m\u00e1s lo necesites<\/strong>.<\/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 gastos m\u00e9dicos mayores AXA, es fundamental entender los conceptos que componen tu p\u00f3liza como el [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":1352,"comment_status":"closed","ping_status":"closed","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 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