Accès Santé
Accès Santé is an independent French insurance broker (SARL) that compares and distributes supplementary health insurance plans for seniors and self-employed professionals via an online platform and phone-based advisory, earning commissions from a panel of eight partner insurers including Swisslife and Humanis Malakoff.
- Company typePrivate
- Founded-
- HeadquartersHoulbec-Cocherel, France
- Headcount1–10
- GTM typeB2C
- OfferingServices
What Accès Santé does
Accès Santé (legal entity ACCESSANTE) is a French independent insurance brokerage structured as a SARL, founded in 1998 and headquartered in Houlbec-Cocherel, Normandie, with branch offices in Epône and Petit Couronne. The company specializes in supplementary health insurance (mutuelle) comparison and advisory, with a primary focus on seniors (60+) and a secondary offering for self-employed professionals (TNS / Travailleurs Non Salariés). Its core product is an online comparison platform that aggregates offerings from eight curated insurance partners — April, Asaf, Cégéma, GMC, Humanis Malakoff, Neoliane, Swisslife, and Tepee — covering hospitalisation, dental, optical, hearing, and thermal care modules, supplemented by personalized phone consultations and a free health assessment (bilan santé gratuit) as lead generation.
The firm operates a sales-led go-to-market: prospective clients request a callback or schedule a consultation via Calendly, an advisor walks them through coverage options, and the broker earns affiliate commissions from partner insurers on policies sold. There are no fees charged to customers for the comparison and advisory service. The brokerage is regulated by the ACPR through ORIAS registration (N° 07006394), holds GDPR/RGPD-compliant data handling with a CNIL declaration, and carries professional liability and financial guarantees through QBE. The company reports serving over 10,000 clients across its 25-year history, with a published 4/5 average customer satisfaction rating.
Accès Santé is a micro-business operating with a 5-person team, €10,000 in share capital, and no disclosed external funding, parent company, or institutional ownership. The legal representative is Vincent Dupont, who is identified as the publication director. The company has no subsidiaries, no patent portfolio, no awards, and no technology stack beyond a standard website, blog, and Calendly integration, positioning it as a lifestyle-scale independent broker rather than a venture-backed insurtech.
Accès Santé firmographics
Firmographics- Name
- Accès Santé
- Legal name
- ACCESSANTE
- Website
- https://accessante.fr
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Accès Santé is an independent French insurance broker (SARL) that compares and distributes supplementary health insurance plans for seniors and self-employed professionals via an online platform and phone-based advisory, earning commissions from a panel of eight partner insurers including Swisslife and Humanis Malakoff.
- Ownership category
- akta.pro rank
Accès Santé industry classification
Industry- Product category
- Health Insurance Brokerage
- NAICS
- Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD)
Keywords
Where Accès Santé is headquartered
LocationHeadquarters
- HQ city
- Houlbec-Cocherel
- HQ country
- France
- HQ region
- Europe
Offices3 records
Markets served
Accès Santé business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Operations, Technology or R&D, Others
Revenue model
- Insurance Brokerage Commissions: Accès Santé operates as a SARL courtier d'assurance (insurance broker), earning commissions from partnered insurance companies (mutual insurers) for policies sold through their comparison and advisory services.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Personalized health insurance consultation and comparison service |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
Accès Santé product offering
Product offeringCore offering
Accès Santé operates an online health insurance comparison and brokerage service specialized in mutuelle plans for seniors and self-employed workers (TNS) in France. The company provides a free personalized health assessment, online comparison tools, and advisor-led guidance to help customers select and subscribe to supplementary health insurance from a curated panel of 8 partner insurers, with full assistance including cancellation of the prior contract. Core products include Mutuelle Senior and Mutuelle TNS plans, plus coverage modules for hospitalization, dental, optical, hearing, thermal treatments, and the 100% Santé reform.
Product overview
Accès Santé operates as an online insurance brokerage platform offering a suite of supplementary health insurance products for seniors and self-employed professionals in France. The core offering is the online mutuelle comparison tool, which enables customers to compare and select from multiple insurance partners. The product portfolio centers on Mutuelle Senior and Mutuelle TNS plans, with specialized coverage modules for hospitalization, dental, optical, hearing, and thermal treatments. All offerings are distributed through a digital platform complemented by personalized advisory services from insurance specialists.
Differentiator
Problem solved
Functional benefit
Products and services
- Comparateur de mutuelle senior Online comparison tool that allows seniors to compare and select supplementary health insurance (mutuelle santé) plans tailored to their specific needs and budget.
- Mutuelle Senior Supplementary health insurance products specifically designed for seniors, covering hospitalization, dental, optical, hearing, and alternative medicine expenses.
- Mutuelle TNS Health insurance products designed for self-employed workers and non-salaried professionals (TNS - Travailleurs Non Salariés).
- Mutuelle Hospitalisation Insurance coverage for hospitalization expenses including room charges, transport costs, and stay fees.
- Mutuelle Dentaire Dental insurance coverage including dental prostheses, dental care, and implants.
- Complémentaire Santé Optique Optical insurance coverage including glasses, contact lenses, and refractive surgery.
- Mutuelle Auditif Hearing insurance coverage including hearing aids and audioprostheses.
- Mutuelle Cure Thermale Coverage for thermal treatments and alternative medicine including osteopathy and pedicure services.
- 100% Santé Comprehensive health coverage category covering optical, dental, and hearing care under the French 100% Santé reform for full reimbursement.
Quantifiable outcome
- More than 10,000 clients served over 25 years of operation
- +1 more outcomes
Companies that use Accès Santé
Customer profileNamed customers4 records
Segments2 records
Ideal customer profiles2 records
Accès Santé technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
Accès Santé partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered core.
- AprilcoreInsurance partner providing health insurance products for seniors, selected by Accès Santé based on precise criteria to guarantee best possible coverage for clients.
- AsafcoreMutual insurance partner included in Accès Santé's carefully selected network of insurance providers.
- CégémacoreInsurance partner offering health coverage solutions for seniors through the Accès Santé comparison platform.
- GMCcoreMutual insurance company partner selected for providing quality health insurance products.
- Humanis MalakoffcoreMajor insurance group partner providing supplementary health insurance products for senior clients.
- NeolianecoreInsurance partner included in Accès Santé's partner network for senior health insurance offerings.
- SwisslifecoreInternational insurance company providing health and mutual insurance products through Accès Santé's comparison service.
- TepeecoreInsurance partner selected to provide health coverage options for senior customers through the Accès Santé platform.
- QBEcoreProfessional liability and financial guarantee insurance provider. ACCES SANTE exercises under the control of ACPR and has financial guarantees and professional liability insurance compliant with articles L 530.1 and L 530.2 of the insurance code subscribed through QBE.
Scale indicators4 records
Recent moves5 records
Expansion highlights5 records
Accès Santé competitors and assessment
Company assessmentDirect peers
- Mutuelle.fr: French mutual health insurance comparison and advisory platform. Directly comparable as a brokerage specializing in mutuelle sant\u00e9 comparison with carrier partnerships and digital lead capture serving individual and senior consumers.
- LesFurets.com: Major French insurance and mutual health comparison comparator owned by Marlin Equity Partners. Directly comparable offering online comparison of mutuelle sant\u00e9 alongside other insurance lines, targeting similar consumer segments including seniors.
- LeLynx.fr: Leading French online insurance comparison platform (subsidiary of Groupe Cov\u00e9a). Directly comparable to Acc\u00e8s Sant\u00e9 as a digital brokerage aggregator enabling consumers to compare mutuelle sant\u00e9, auto, home, and other insurance products across multiple carriers.
- Devis Mutuelle: French online mutuelle comparison site offering quotes from multiple carriers. Comparable as a direct-to-consumer mutuelle comparator with similar affiliate/commission revenue model and senior segment targeting.
- Meilleurtaux Assurance: French insurance and credit comparison platform with mutuelle sant\u00e9 comparator. Comparable as a multi-carrier insurance broker with both digital comparison tools and advisor-assisted placement, operating across similar French consumer demographics.
- Magnolia.fr: French online mutuelle sant\u00e9 comparison platform specializing in individual and family health insurance plans. Comparable as a digital brokerage with multi-carrier comparison and advisory focus on French individual health insurance consumers.
Emerging players
- Selectra: French price comparison platform covering energy, telecom, and insurance including mutuelle sant\u00e9. Comparable as a comparison/advisory intermediary with multi-vertical lead generation and French consumer focus.
- Alan: French digital health insurtech offering direct individual and SME health insurance with a fully digital experience. Comparable as a French health insurance intermediary targeting modern consumers, though Alan is itself a licensed carrier rather than a broker.
Others
- April (Groupe April): French insurance broker group that is both a carrier partner of Acc\u00e8s Sant\u00e9 and a competing wholesale brokerage. Comparable as a French insurance intermediary, though April operates at significantly larger scale and as a multi-line broker-carrier hybrid.
- Humanis Malakoff: Major French mutual insurance group that is a carrier partner of Acc\u00e8s Sant\u00e9. Comparable as a French mutuelle/health insurance provider with senior segment focus, though operating as an underwriter rather than a broker intermediary.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights5 records
Customer concentration
Accès Santé social profiles
Digital presenceAccès Santé compliance and trust
Trust signalCompliance3 records
Accès Santé financial estimates
Financial estimateRevenue estimate
Valuation estimate
Accès Santé leadership team
Management profileNumber of profiles
Profiles1 record
Accès Santé funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Accès Santé 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 Accès Santé
What does Accès Santé do?
Accès Santé operates an online health insurance comparison and brokerage service specialized in mutuelle plans for seniors and self-employed workers (TNS) in France. The company provides a free personalized health assessment, online comparison tools, and advisor-led guidance to help customers select and subscribe to supplementary health insurance from a curated panel of 8 partner insurers, with full assistance including cancellation of the prior contract. Core products include Mutuelle Senior and Mutuelle TNS plans, plus coverage modules for hospitalization, dental, optical, hearing, thermal treatments, and the 100% Santé reform.
Is Accès Santé a public or private company?
Accès Santé is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Accès Santé founded?
Accès Santé was founded in -1. It employs 1 to 10 people.
Where is Accès Santé based?
Accès Santé is headquartered in Houlbec-Cocherel, France, in the Europe region.
How does Accès Santé make money?
One revenue line is on record: insurance Brokerage Commissions.
Who are Accès Santé's main competitors?
Direct peers on record are Mutuelle.fr, LesFurets.com, LeLynx.fr, Devis Mutuelle, Meilleurtaux Assurance and Magnolia.fr. Emerging players are Selectra and Alan. Others are April (Groupe April) and Humanis Malakoff.
Does Accès Santé have an API?
No public API is recorded for Accès Santé.
What industry is Accès Santé in?
Accès Santé's product category is Health Insurance Brokerage. Its primary akta.pro industry code is FSAIAEAD, Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident). Its NAICS code is 524210 and its SIC code is 6411.