Access One
Access One is a Miami-based international health insurance company that sells supplementary cross-border medical coverage to Latin American residents, providing access to UnitedHealthCare's US hospital network for high-complexity treatments including oncology, surgery, and transplants via tiered annual subscription plans distributed through digital, agent, and corporate channels.
- Company typePrivate
- Founded2018
- HeadquartersGuaynabo, Puerto Rico
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What Access One does
Access One is a North American health insurance company that sells supplementary international medical coverage to Latin American residents who already hold local health insurance. The company positions its product as a complement to existing local plans rather than a replacement, targeting use cases where US medical technology and expertise are materially superior — notably oncology (proton therapy, immunotherapy), complex surgery, and transplants — and where the gap between Latin American and US outcomes (e.g., the cited near-doubling of cancer mortality in Latin America vs. the US) justifies cross-border treatment.
The company's core product is a four-tier subscription insurance portfolio: ACCESS LATAM ($120/year, regional coverage up to USD 500,000), ACCESS 500 ($144/year, worldwide up to USD 500,000), ACCESS 1000 ($252/year, worldwide up to USD 1,000,000), and ACCESS 2000 ($360/year, worldwide up to USD 2,000,000), with oncology carve-outs ranging from USD 100,000 to USD 1,000,000. The technical foundation is a managed-care model — not a reimbursement product — built on an exclusive partnership with UnitedHealthCare that provides members access to 6,100+ US hospitals, 560+ Centers of Excellence (including 19 of the top 20 US adult hospitals), and 1.1M+ healthcare professionals. Supporting technology includes iOS and Android member apps for credential access and a separate agent portal at platform.access-one.us for distribution partner onboarding.
Access One operates a multi-channel go-to-market: direct-to-consumer via website quote forms and WhatsApp, an agent/broker network across Latin America offering perpetual commissions with 100% digital onboarding, a corporate sales division selling group plans to employers with 15+ employees, and a corporate partnership program offering discounted rates through organizations including DIRECTV, CITI, BASF, Deloitte, Marsh, Ferrere, BCU, and ASISMED. Revenue is generated through recurring annual premiums segmented by age and plan tier. The company is privately held, headquartered in Miami with a presence in Guaynabo, Puerto Rico, employs 11-50 people, and is led by CEO Ignacio Galliazzi.
Access One firmographics
Firmographics- Name
- Access One
- Legal name
- Access One
- Website
- https://access-one.us
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Access One is a Miami-based international health insurance company that sells supplementary cross-border medical coverage to Latin American residents, providing access to UnitedHealthCare's US hospital network for high-complexity treatments including oncology, surgery, and transplants via tiered annual subscription plans distributed through digital, agent, and corporate channels.
- Ownership category
- akta.pro rank
Where Access One is headquartered
LocationHeadquarters
- HQ city
- Guaynabo
- HQ country
- Puerto Rico
- HQ region
- Latin America
Offices1 record
Markets served
Access One business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Operations, Personnel, Marketing or Sales, Technology or R&D, Infrastructure, Others
Revenue model
- Annual Health Insurance Premiums: Subscription-based annual premiums paid monthly or annually. Pricing segmented by age and plan tier (ACCESS LATAM, ACCESS 500, ACCESS 1000, ACCESS 2000). Deductibles of $5,000, $10,000, or $20,000 apply per event.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | ACCESS LATAM - Latin America coverage up to USD 500,000/year |
| Subscription | Annual | ACCESS 500 - Worldwide coverage up to USD 500,000/year |
| Subscription | Annual | ACCESS 1000 - Worldwide coverage up to USD 1,000,000/year |
| Subscription | Annual | ACCESS 2000 - Worldwide coverage up to USD 2,000,000/year |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels6 records
Access One product offering
Product offeringCore offering
Access One sells international major-medical health insurance plans that complement a member's local Latin American health insurance by providing access to top-ranked U.S. hospitals and Centers of Excellence (via UnitedHealthCare's network of 6,100+ hospitals and 560+ Centers of Excellence). Plans are sold as annual subscriptions across four tiers (ACCESS LATAM, ACCESS 500, ACCESS 1000, ACCESS 2000) and include benefits such as 100% hospitalization coverage, transplant coverage, outpatient oncology, second medical opinion via telemedicine, companion allowance, and travel emergency assistance.
Product overview
Access One is a North American international health insurance company offering complementary coverage plans that provide access to the best hospitals in the world. The product portfolio consists of four tiered insurance plans (ACCESS LATAM, ACCESS 500, ACCESS 1000, and ACCESS 2000) ranging from Latin America-only to worldwide coverage with annual limits from USD 500,000 to USD 2,000,000. These plans complement local health insurance by covering high-complexity surgeries, oncological treatments, and transplants at top U.S. and international medical centers through a partnership with UnitedHealthCare's network of 560+ centers of excellence. Supporting the core plans are a mobile app for members, an agent portal for distribution partners, and add-on services including travel assistance (up to 60 days) and international second medical opinion. All plans require prior coordination and are designed as managed care products with no reimbursements.
Differentiator
Problem solved
Functional benefit
Brands
- ACCESS LATAM: Health coverage plan in Latin America up to USD 500,000/year
- ACCESS 500
- ACCESS 1000
- ACCESS 2000
Products and services
- ACCESS LATAM International health insurance plan providing coverage in Latin America up to USD 500,000 per person per year, with outpatient oncology up to USD 100,000 per year, including hospitalization, transplants, intensive care, and emergency travel assistance. Targeted at Latin American residents with local health insurance seeking coverage within the region (excluding country of residence).
- ACCESS 500 Worldwide international health insurance plan providing up to USD 500,000 per person per year, with outpatient oncology up to USD 100,000 per year, covering high-complexity surgeries and treatments through UnitedHealthCare's U.S. and global hospital network.
- ACCESS 1000 Premium worldwide international health insurance plan providing up to USD 1,000,000 per person per year, with outpatient oncology up to USD 500,000 per year, covering hospitalizations, transplants, and intensive care at leading global hospitals.
- ACCESS 2000 Highest-tier worldwide international health insurance plan providing up to USD 2,000,000 per person per year, with outpatient oncology up to USD 1,000,000 per year, covering all hospitalizations, transplants, intensive care, and treatments at top-ranked U.S. and international medical centers.
- Second Medical Opinion Service International second medical opinion service providing expert review of diagnoses and treatment options via telemedicine, with Access One coordinating with global specialists. No annual limit applies to this benefit.
- Travel Assistance Travel medical assistance benefit included in all plans, providing emergency medical support, online medical consultations, and dental assistance during trips outside the country of residence for up to 60 days, available 365 days a year.
- Corporate Health Coverage International health coverage offered as an employee benefit package to Latin American companies (minimum 15 employees), with customized corporate pricing, monthly additions and removals, and dedicated corporate advisors for talent attraction and retention.
Quantifiable outcome
- Cancer mortality rate in Latin America is nearly double that of the US due to outdated diagnostic and treatment equipment
- +3 more outcomes
Companies that use Access One
Customer profileNamed customers3 records
Segments4 records
Ideal customer profiles4 records
Access One technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Access One partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core, major and minor.
- UnitedHealthCarecoreStrategic partnership with UnitedHealthCare, the largest US health insurance company ranked #19 most valuable worldwide by PWC and #1 in health insurance for 7 consecutive years by Fortune. UnitedHealthCare provides Access One members access to 6,100+ hospitals, 560+ Centers of Excellence, and 1.1M+ healthcare professionals in the US. This exclusive partnership enables pre-paid, coordinated care without reimbursements.
- DIRECTVmajorExclusive partnership offering DIRECTV customers and employees discounted access to Access One international health coverage. Available in Uruguay and Peru markets.
- CITImajorExclusive partnership providing CITI employees access to discounted Access One international health coverage plans.
- BASFmajorExclusive partnership offering BASF employees access to discounted Access One international health coverage plans.
- DeloittemajorExclusive partnership for Deloitte employees and associates to access discounted Access One international health coverage.
- MarshmajorExclusive partnership providing Marsh employees access to discounted Access One international health coverage plans.
- FerreremajorExclusive partnership offering Ferrere employees and associates access to discounted Access One international health coverage plans.
- BCU (Banco Cordón Umbilical)majorExclusive partnership for BCU clients in Peru offering 10% discount on Access One international health coverage plans.
- ASISMEDmajorExclusive international coverage partnership with ASISMED for their members to access Access One health plans.
- Células Madre ParaguayminorExclusive partnership offering Células Madre Paraguay clients discounted access to Access One international health coverage.
Scale indicators8 records
Recent moves6 records
Expansion highlights5 records
Access One competitors and assessment
Company assessmentDirect peers
- Best Doctors Insurance: A leading international health insurance provider headquartered in Miami, focused on providing worldwide major medical coverage to individuals, families, and corporate groups across Latin America, the Caribbean, and globally — directly competing with Access One's core product offering.
- GeoBlue: Provider of international health insurance and travel medical plans for individuals, families, and corporate clients, leveraging Blue Cross Blue Shield's US provider network. Closely comparable to Access One in targeting international/Latin American consumers with US network access.
- International Medical Group (IMG): Specializes in international travel medical insurance and global health insurance products for individuals, families, and groups worldwide. Competes directly with Access One in offering cross-border medical coverage with US hospital network access.
- William Russell: International health insurance provider offering worldwide medical coverage to individuals, families, and corporate groups across multiple regions including Latin America, with tiered plans similar to Access One's product structure.
- Now Health International: Provider of international health insurance plans designed for expatriates and globally mobile individuals across the Americas, Asia, and Europe. Offers tiered premium plans comparable to Access One's ACCESS 500/1000/2000 model.
- ASISMED: A Uruguayan health services company with which Access One has an exclusive partnership; provides local health services and coordinates international medical coverage for its members. Comparable business model in the same regional market.
Broad incumbents
- Cigna Global Health: Global health services company offering international private medical insurance to expatriates and globally mobile individuals. Overlaps with Access One's product set but serves a broader geographic and premium market segment.
- BUPA Global: International health insurance division of BUPA serving expatriates and globally mobile customers across the Americas, Europe, and Asia. Provides comparable international coverage with a similar tiered premium model.
- Aetna International: International health benefits arm of CVS Health providing worldwide medical coverage to expatriates and globally mobile employees of multinational companies. Operates as a broader portfolio incumbent versus Access One's focused niche.
- Allianz Care: International health and life insurance provider serving individuals, families, and corporate clients in over 190 countries. A broad incumbent with comparable international major medical coverage products.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks7 records
Key highlights6 records
Customer concentration
Access One social profiles
Digital presenceAccess One financial estimates
Financial estimateRevenue estimate
Valuation estimate
Access One leadership team
Management profileNumber of profiles
Profiles1 record
Access One funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Access One M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Access One
What does Access One do?
Access One sells international major-medical health insurance plans that complement a member's local Latin American health insurance by providing access to top-ranked U.S. hospitals and Centers of Excellence (via UnitedHealthCare's network of 6,100+ hospitals and 560+ Centers of Excellence). Plans are sold as annual subscriptions across four tiers (ACCESS LATAM, ACCESS 500, ACCESS 1000, ACCESS 2000) and include benefits such as 100% hospitalization coverage, transplant coverage, outpatient oncology, second medical opinion via telemedicine, companion allowance, and travel emergency assistance.
Is Access One a public or private company?
Access One is a private company. It is classified as unknown and is currently operating.
When was Access One founded?
Access One was founded in 2018. It employs 11 to 50 people.
Where is Access One based?
Access One is headquartered in Guaynabo, Puerto Rico, in the Latin America region.
How does Access One make money?
One revenue line is on record: annual Health Insurance Premiums.
Who are Access One's main competitors?
Direct peers on record are Best Doctors Insurance, GeoBlue, International Medical Group (IMG), William Russell, Now Health International and ASISMED. Broad incumbents are Cigna Global Health, BUPA Global, Aetna International and Allianz Care.
Does Access One have an API?
No public API is recorded for Access One.