Get Avon HMO, compare and pay less
Access affordable health insurance coverage and pay as low as ₦ 19, 999 per year.
₦19, 999
Minimum Price
36 + FCT
States Coverage
₦500k +
Min. Premium Worth
Avon HMO
(4.2 / 5)
- Its Individual Life Starter plan starts from ₦19, 999 per year
- Over 400 hospitals and partner medical centres where you can receive treatments and consultations
- Easily access your profile from its manager dashboard portal
- It has plan that covers international medical insurance
Health is wealth, a prominent line but moving from the saying to action is how to ensure being in a good state always.
And there is a cheaper way to get yourself premium health, simply buying a plan from one of the National Health Insurance Scheme licensed providers like Avon HMO.
Existence since 2013 with different plans suitable for you and your family, working with this health management organisation means being a relationship with a company that knows much about the industry.
Avon HMO has a good network of hospitals and health providers in Nigeria and with their national operation status, a plan from them can be used at any selected partnering hospital nationwide.
Avon HMO Plans and Prices
Avon HMO has three categories of health insurance plans you can get:
Individual
If you want to buy a subscription for yourself, you will have to choose from one of the plans under this category.
It has premiums starting from its lowest of ₦19, 999 to the highest ₦140, 999 per annum.
All the plans under this category will give you access to outpatient services like consultations, lab investigations, drug prescriptions, physiotherapy and immunizations for travel based medical checks that include yellow fever vaccine and hepatitis B.
Below are the different Avon HMO individual plans with their pricing and redeemable services:
General Consultation |
Yes |
Specialist Consultation |
3 per annum |
Lab Investigations |
Yes |
Prescribed Drugs |
Yes |
Physiotherapy |
5 per annum |
Travel Immunization |
Yes |
Chronic Conditions Management |
No |
Plain & Contrast X-Rays |
Plain X-Ray only |
Ultrasound Scans |
No |
Admissions in Hospital |
General Ward |
Admissions per Annum |
15 days |
Feeding on Admission |
Yes |
Drugs & Infusions |
Yes |
Antenatal Care & Delivery |
No |
Postnatal Care – 6 weeks |
No |
Neonatal Care |
No |
Family Planning Services |
Yes |
Routine (NPI) Immunization |
No |
Additional Immunization |
No |
Emergency Care |
Yes |
Emergency Ambulance Service |
From hospital to hospital |
Minor Surgeries |
Limit: N120,000 |
Intermediate Surgeries |
Limit: N120,000 |
Major Surgeries |
No |
Optical Care |
No |
Dental Care |
No |
HIV/AIDS Treatment |
Yes, After 12 months |
Special Investigations |
No |
Mental Health Services |
Yes (30 days Max After 12 months) |
Annual Wellness Check (After 9 months) |
Yes Basic |
Intensive Care, Neonatal ICU, Special Baby Care Unit |
No |
Infertility Investigation |
No |
Renal Dialysis |
No |
General Consultation |
Yes |
Specialist Consultation |
4 per annum |
Lab Investigations |
Yes |
Prescribed Drugs |
Yes |
Physiotherapy |
5 per annum |
Travel Immunization |
Yes |
Chronic Conditions Management |
No |
Plain & Contrast X-Rays |
Yes |
Ultrasound Scans |
Yes |
Admissions in Hospital |
General Ward |
Admissions per Annum |
30 days |
Feeding on Admission |
Yes |
Drugs & Infusions |
Yes |
Antenatal Care & Delivery |
After 18 months |
Postnatal Care – 6 weeks |
After 18 months |
Neonatal Care |
After 18 months |
Family Planning Services |
Yes |
Routine (NPI) Immunization |
Yes 0 – 5 years |
Additional Immunization |
No |
Emergency Care |
Yes |
Emergency Ambulance Service |
From hospital to hospital |
Minor Surgeries |
Limit: N250,000 per person |
Intermediate Surgeries |
Limit: N250,000 per person |
Major Surgeries |
No |
Optical Care |
Limit: N7,500 per person After 12 months |
Dental Care |
Limit: N10,000 per annum After 6 months |
HIV/AIDS Treatment |
Yes, After 12 months |
Special Investigations |
No |
Mental Health Services |
Yes (30 days Max After 12 months) |
Annual Wellness Check (After 9 months) |
Yes Basic |
Intensive Care, Neonatal ICU, Special Baby Care Unit |
Yes 24 hrs ICU cover |
Infertility Investigation |
Yes, Basic Invest. only USS, SFA After 12 months |
Renal Dialysis |
Yes (1 emergency session) |
General Consultation |
Yes |
Specialist Consultation |
6 per annum |
Lab Investigations |
Yes |
Prescribed Drugs |
Yes |
Physiotherapy |
10 per annum |
Travel Immunization |
Yes |
Chronic Conditions Management |
After 24 months |
Plain & Contrast X-Rays |
Yes |
Ultrasound Scans |
Yes |
Admissions in Hospital |
Semi-Private Ward |
Admissions per Annum |
30 days |
Feeding on Admission |
Yes |
Drugs & Infusions |
Yes |
Antenatal Care & Delivery |
Yes, After 18 months Limits Apply |
Postnatal Care – 6 weeks |
After 18 months |
Neonatal Care |
After 18 months |
Family Planning Services |
Yes |
Routine (NPI) Immunization |
Yes 0 – 5 years |
Additional Immunization |
Yes 0 – 5 years |
Emergency Care |
Yes |
Emergency Ambulance Service |
From hospital to hospital |
Minor Surgeries |
Limit: N350,000 per person |
Intermediate Surgeries |
Limit: N350,000 per person |
Major Surgeries |
No |
Optical Care |
Limit: N10,000 per person After 12 months |
Dental Care |
Limit: N20,000 per annum After 6 months |
HIV/AIDS Treatment |
Yes, After 12 months |
Special Investigations |
Yes |
Mental Health Services |
Yes (30 days Max After 12 months) |
Annual Wellness Check (After 9 months) |
Yes Advanced |
Intensive Care, Neonatal ICU, Special Baby Care Unit |
Yes 3 days ICU cover |
Infertility Investigation |
Yes, Basic Invest. only USS, SFA, Hormone Profile After 12 months |
Renal Dialysis |
Yes (2 sessions) |
General Consultation |
Yes |
Specialist Consultation |
10 per annum |
Lab Investigations |
Yes |
Prescribed Drugs |
Yes |
Physiotherapy |
10 per annum |
Travel Immunization |
Yes |
Chronic Conditions Management |
After 24 months |
Plain & Contrast X-Rays |
Yes |
Ultrasound Scans |
Yes |
Admissions in Hospital |
Private Ward |
Admissions per Annum |
Unlimited stay |
Feeding on Admission |
Yes |
Drugs & Infusions |
Yes |
Antenatal Care & Delivery |
Yes, After 18 months Limits Apply |
Postnatal Care – 6 weeks |
After 18 months |
Neonatal Care |
After 18 months |
Family Planning Services |
Yes |
Routine (NPI) Immunization |
Yes 0 – 5 years |
Additional Immunization |
Yes 0 – 5 years |
Emergency Care |
Yes |
Emergency Ambulance Service |
From hospital to hospital & roadside to hospital |
Minor Surgeries |
Limit: N750,000 per person |
Intermediate Surgeries |
Limit: N750,000 per person |
Major Surgeries |
Limit: N750,000 per person |
Optical Care |
Limit: N25,000 per person After 12 months |
Dental Care |
Limit: N50,000 per annum After 6 months |
HIV/AIDS Treatment |
Yes, After 12 months |
Special Investigations |
Yes |
Mental Health Services |
Yes (30 days Max After 12 months) |
Annual Wellness Check (After 9 months) |
Yes Comprehensive |
Intensive Care, Neonatal ICU, Special Baby Care Unit |
Yes 7 days ICU cover |
Infertility Investigation |
Yes, Basic Invest. only USS, SFA, Hormone Profile, HSG After 12 months |
Renal Dialysis |
Yes (3 sessions) |
Couple Plan
This is a special plan for a group of two persons, could be you and your partner.
It is services-packed with relationship targeted medical needs like prenatal, neonatal, postnatal, family planning, and infertility examinations.
The pricing for a year is ₦69,999 which is worth a good Avon HMO health insurance gift for you and the one you love.
The benefits covered are given in the table below:
General Consultation |
Yes |
Specialist Consultation |
4 per annum |
Lab Investigations |
Yes |
Prescribed Drugs |
Yes |
Physiotherapy |
5 per annum |
Travel Immunization |
Yes |
Plain & Contrast X-Rays |
Yes |
Ultrasound Scans |
Yes |
Admissions in Hospital |
General Ward |
Admissions per Annum |
30 days |
Feeding on Admission |
Yes |
Drugs & Infusions |
Yes |
Pre-Marital Health Check up |
Yes |
Antenatal Care & Delivery |
Yes |
Postnatal Care – 6 weeks |
Yes |
Neonatal Care |
Yes |
Family Planning Services |
Yes |
Emergency Care |
Yes |
Emergency Ambulance Service |
Yes |
Minor Surgeries |
Limit: N250,000 per couple |
Intermediate Surgeries |
Limit: N250,000 per couple |
Dental Care |
Yes, After 6 months |
HIV/AIDS Treatment |
Yes |
Mental Health Services |
Yes (30 days) |
Annual Wellness Check (After 9 months) |
Yes Basic |
Avon HMO Family Plan
A special health insurance coverage for the family.
This Avon HMO plan category covers medical aid for a total of six family members, including you, your spouse and four children not older than 18.
Its has three different plans starting from its lowest of ₦171, 999 per year.
Below are the applicable benefits that comes with each of the Avon HMO family dedicated plans.
General Consultation |
Yes |
Specialist Consultation |
4 sessions per person per annum |
Lab Investigations |
Yes |
Prescribed Drugs |
Yes |
Physiotherapy |
5 sessions per person per annum |
Travel Immunization |
Yes |
Chronic Conditions Management |
No |
Plain & Contrast X-Rays |
Yes |
Ultrasound Scans |
Yes |
Admissions in Hospital |
General Ward |
Admissions per Annum |
30 days |
Feeding on Admission |
Yes |
Drugs & Infusions |
Yes |
Antenatal Care & Delivery |
Yes, After 18 months Limits Apply |
Postnatal Care – 6 weeks |
Yes, After 18 months Limits Apply |
Neonatal Care |
Yes, After 18 months Limits Apply |
Family Planning Services |
Yes |
Routine (NPI) Immunization |
Yes 0 – 5 years |
Additional Immunization |
No |
Emergency Care |
Yes |
Emergency Ambulance Service |
Yes |
Minor Surgeries |
Limit: N250,000 per person |
Intermediate Surgeries |
Limit: N250,000 per person |
Major Surgeries |
No |
Optical Care |
Limit: N7,500 per person After 12 months |
Dental Care |
Limit: N10,000 per person After 6 months |
HIV/AIDS Treatment |
Yes, After 12 months |
Special Investigations |
No |
Mental Health Services |
Yes (30 days) After 12 months |
Annual Wellness Check (After 9 months) |
Yes Basic |
Intensive Care, Neonatal ICU, Special Baby Care Unit |
Yes 24 hrs ICU cover |
Infertility Investigation |
Yes, Basic Invest. only USS, SFA After 12 months |
Renal Dialysis |
Yes (1 emergency session) |
General Consultation |
Yes |
Specialist Consultation |
6 sessions per person per annum |
Lab Investigations |
Yes |
Prescribed Drugs |
Yes |
Physiotherapy |
10 sessions per person per annum |
Travel Immunization |
Yes |
Chronic Conditions Management |
Yes, After 24 months |
Plain & Contrast X-Rays |
Yes |
Ultrasound Scans |
Yes |
Admissions in Hospital |
Semi-Private Ward |
Admissions per Annum |
30 days |
Feeding on Admission |
Yes |
Drugs & Infusions |
Yes |
Antenatal Care & Delivery |
Yes, After 18 months |
Postnatal Care – 6 weeks |
Yes, After 18 months |
Neonatal Care |
Yes, After 18 months |
Family Planning Services |
Yes |
Routine (NPI) Immunization |
Yes 0 – 5 years |
Additional Immunization |
Yes 0 – 5 years |
Emergency Care |
Yes |
Emergency Ambulance Service |
Yes |
Minor Surgeries |
Limit: N350,000 per person |
Intermediate Surgeries |
Limit: N350,000 per person |
Major Surgeries |
No |
Optical Care |
Limit: N10,000 per person After 12 months |
Dental Care |
Limit: N20,000 per person After 6 months |
HIV/AIDS Treatment |
Yes, After 12 months |
Special Investigations |
Yes |
Mental Health Services |
Yes (30 days) After 12 months |
Annual Wellness Check (After 9 months) |
Yes Advanced |
Intensive Care, Neonatal ICU, Special Baby Care Unit |
Yes 3 days ICU cover |
Infertility Investigation |
Yes, Basic Invest. only USS, SFA, Hormone Profile After 12 months |
Renal Dialysis |
Yes (2 sessions) |
General Consultation |
Yes |
Specialist Consultation |
10 sessions per person per annum
|
Lab Investigations |
Yes |
Prescribed Drugs |
Yes |
Physiotherapy |
10 sessions per person per annum
|
Travel Immunization |
Yes |
Chronic Conditions Management |
Yes, After 24 months
|
Plain & Contrast X-Rays |
Yes |
Ultrasound Scans |
Yes |
Admissions in Hospital |
Private Ward |
Admissions per Annum |
Unlimited stay |
Feeding on Admission |
Yes |
Drugs & Infusions |
Yes |
Antenatal Care & Delivery |
Yes, After 18 months
|
Postnatal Care – 6 weeks |
Yes, After 18 months
|
Neonatal Care |
Yes, After 18 months
|
Family Planning Services |
Yes |
Routine (NPI) Immunization |
Yes 0 – 5 years |
Additional Immunization |
Yes 0 – 5 years |
Emergency Care |
Yes |
Emergency Ambulance Service |
Yes |
Minor Surgeries |
Limit: N750,000 per person
|
Intermediate Surgeries |
Limit: N750,000 per person
|
Major Surgeries |
Limit: N750,000 per person
|
Optical Care |
Limit: N25,000 per person After 12 months
|
Dental Care |
Limit: N50,000 per person After 6 months
|
HIV/AIDS Treatment |
Yes, After 12 months
|
Special Investigations |
Yes |
Mental Health Services |
Yes (30 days) After 12 months
|
Annual Wellness Check (After 9 months) |
es Comprehensive
|
Intensive Care, Neonatal ICU, Special Baby Care Unit |
Yes 7 days ICU Cover
|
Infertility Investigation |
Yes, Basic Invest. only USS, SFA, Hormone Profile, HSG After 12 months
|
Renal Dialysis |
Yes (3 sessions) |
About Avon HMO
Avon HMO has been in the health insurance business since 2012 when it got license from the National Health Insurance Scheme.
The health insurance company is from a family of businesses controlled by Heirs Holding, same conglomerate that houses United Bank of Africa, Africa Prudential, Transacorp Hotels to a lot others hence, a relationship with Avon HMO means being in a safe house.
With its national license type, a subscription form them can be used at any selected hospital nationwide.
Avon HMO FAQs