Avon Healthcare Limited

What Avon Healthcare Limited does

Avon Healthcare Limited (trading as Avon HMO) is a Nigeria-based Health Management Organisation founded in 2013 and headquartered in Lagos. The company provides health insurance plans across five product categories: Individual, Family, Corporate, International, and Critical Care, serving individual consumers, families, corporate employers, women-owned SMEs, the African diaspora, and vulnerable populations. Its enterprise client roster includes Sterling Bank, UBA, Standard Chartered, PwC, EY, Schlumberger, Flutterwave, Fidelity Bank, Etranzact, Prudent Energy, and Honeywell. The company has positioned itself as a digital-first HMO, being the first in Nigeria to launch online health plan subscriptions in 2016 and the first to deploy an AI chatbot (Ava on WhatsApp, February 2025) in the Nigerian managed care space.

The company's technology stack is built around a digital health management platform comprising the Avon Flex mobile app, the Ava AI-powered WhatsApp chatbot, an internal Provider Portal for enrollee verification and pre-authorization, a telemedicine layer, and the Population Health and Utilization Report (PHUR) analytics tool for corporate clients. Distribution and service delivery are anchored by a network of 2,000+ healthcare providers across Nigeria, integrated through the Provider Portal. Strategic ecosystem partnerships with UBA (diaspora banking platform), Shecluded (women's plans Nova and Thrive), PiggyVest (instalment payments), and the Lagos State Government extend reach into diaspora, women-focused, low-income, and public-sector segments.

Avon HMO's revenue model is built on recurring health insurance premiums across its plan tiers, billed monthly or annually, with critical care plans ranging from N36,800 entry-level (Secure Lite, N500,000 coverage) to $500,000 international coverage (A.C.E Global). Go-to-market is hybrid: direct B2C self-serve through website and Avon Flex app, direct B2B enterprise sales to corporate employers, and indirect channel distribution via fintech and bank partners. Additional revenue streams include group/corporate premiums and co-branded health plans sold through partner customer bases. Operational scale is supported by 101-250 employees, with management led by CEO Osa Imasogie and Chairman Awele Elumelu.

Name

Avon Healthcare Limited

Legal name

Avon Healthcare Limited

Website

https://avonhealthcare.com

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

101–250 employees

Short description

Avon Healthcare Limited (Avon HMO) is a Nigeria-based Health Management Organization founded in 2013 that provides individual, family, corporate, and critical care health insurance plans to consumers and enterprises through a 2,000+ provider network, digital platforms, and fintech partnerships.

Ownership category

akta.pro rank

Product category

Health Insurance (HMO)

NAICS

Direct Health and Medical Insurance Carriers (524114), Direct Life, Health, and Medical Insurance Carriers (52411)

SIC

Accident & Health Insurance (6321)

akta.pro primary industry

Mixed-Model HMOs (HLAEAMAE)

akta.pro secondary industries

Open-Access HMOs (HLAEAMAF), Group HMO Plans (FSAIAFAK)

Keywords

• Health insurance plans
• Health management organization
• Corporate health coverage
• Critical illness coverage
• Telemedicine mobile app

Headquarters

HQ city

Lagos

HQ country

Nigeria

HQ region

Africa

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Operations, Personnel, Supply Chain, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Health Insurance Premiums (Subscription): Avon HMO generates revenue primarily through recurring health insurance premiums paid by individuals, families, and corporate employers. Plans are offered across multiple tiers (Individual, Family, Corporate, International, Critical Care) with varying premium levels. Revenue is recurring on a monthly or annual billing cycle depending on the plan selected.
2. Group / Corporate Plan Premiums: Partnerships with employers and financial institutions such as UBA and Shecluded generate revenue through employer-sponsored group plans and co-branded health plans sold to customers of partner organisations. Premium contributions from group enrollees represent a recurring revenue stream.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels7 records

Core offering

Avon Healthcare Limited (Avon HMO) sells health insurance plans to individuals, couples, families, corporate employers, and the African diaspora across Nigeria. Its product portfolio covers routine healthcare access, preventive care, and critical illness coverage (A.C.E Global, Revive, Secure, Secure Lite), with claims and care delivered through a network of 2,000+ healthcare providers and a proprietary digital platform featuring the Avon Flex mobile app and Ava AI chatbot.

Product overview

Avon Healthcare Limited (Avon HMO) is Nigeria's leading Health Management Organization since 2013, offering a comprehensive portfolio of health insurance products and digital health services. The core offerings include Individual, Family, Corporate, and International health plans, complemented by Critical Care Plans (A.C.E Global, Revive, Secure, and Secure Lite) for serious illness coverage. The company has built a digital health ecosystem featuring Ava, an AI-powered WhatsApp chatbot, and the Avon Flex mobile app for plan management, telemedicine, and wellness services. Strategic partnerships with Shecluded have produced women-focused Nova and Thrive plans. Technology infrastructure includes a provider portal for streamlined enrollee verification and pre-authorization, plus the Population Health and Utilization Report (PHUR) analytical tool for corporate clients.

Differentiator

Problem solved

Functional benefit

Brands

• A.C.E Global Plan: Critical care plan covering acute, critical, and life-threatening conditions such as stroke, cancer, and organ transplants, with medical care up to $500,000 worldwide.
• Avon Revive Plan
• Avon Secure Plan
• Avon Secure Lite Plan
• Nova Plan
• Thrive Plan
• Ava
• Premium Life
• Boss Life
• Care is Everything

Products and services

• Individual Health Plans Health insurance plans tailored for individuals seeking coverage for everyday healthcare needs, including options aimed at young professionals starting their careers. Sold direct to consumers via website and mobile app.
• Couple Health Plans Health insurance plans designed for two-person households (couples) to secure joint healthcare coverage.
• Family Health Plans Comprehensive health coverage plans for families, including Premium Life and Boss Life options, enabling parents to secure healthcare for their children.
• Corporate / Business Health Plans Employer-sponsored health insurance solutions for businesses across Nigeria, providing employee healthcare benefits as part of compensation packages. Trusted by major clients including Sterling Bank, Schlumberger, PwC, Flutterwave, Fidelity Bank, UBA, Standard Chartered, EY, and Honeywell.
• International Health Plans Health coverage options for individuals and families requiring international healthcare access beyond Nigeria.
• Avon A.C.E Global Plan International critical care plan covering acute, critical, and life-threatening conditions such as stroke, cancer, and organ transplants. Provides medical care, treatment, and rehabilitation up to $500,000, including logistics, care coordination across global medical centres, and travel costs for an accompanying relative.
• Avon Revive Plan Critical illness coverage for acute, critical, and life-threatening emergencies such as heart attack, stroke, cancer, and renal failure. Covers surgeries, medications, and treatments up to N5,000,000 with care coordination across centres of excellence worldwide.
• Avon Secure Plan Serious illness coverage for unforeseen conditions requiring surgeries and hospital admissions. Provides medical care up to N1,000,000 with care coordination across reputable hospitals nationwide, case management, and post-treatment rehabilitation.
• Avon Secure Lite Entry-level critical illness coverage for unforeseen serious illnesses requiring surgeries and hospital admissions. Covers medical care up to N500,000 with care coordination across standard hospitals nationwide, case management, and post-treatment rehabilitation. Priced at N36,800.
• Nova and Thrive Plans (with Shecluded) Women-focused health insurance plans created in partnership with Shecluded. Nova targets women's healthcare access gaps (including maternal and gender-specific needs), while Thrive is designed for women-owned SMEs to protect against unexpected medical bills. Distributed through Shecluded's female customer base.
• Ava AI Assistant AI-powered WhatsApp chatbot providing 24/7 customer service for Avon HMO members and prospects — handling plan purchases, renewals, member ID confirmation, provider verification, benefit checks, dependent verification, and drug refill requests. The first AI chatbot in Nigeria's managed care sector.
• Avon Flex Mobile App Health management mobile application that enables members to purchase and manage plans, access telemedicine consultations, schedule appointments, obtain specialist referrals, and use lifestyle services such as gym access. Part of Avon's digital health platform.

Quantifiable outcome

• Administrative delays reduced by 30% through digital workflow optimisation using Process Street
• +2 more outcomes

Named customers12 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability3 records

Feature4 records

Partnerships

Five partnerships are on record, tiered core and supporting.

• United Bank for Africa (UBA)coreStrategic or Co-development Partner · 15 February 2026Avon HMO partnered with UBA as an ecosystem partner in UBA's diaspora banking and investment platform. The platform allows Africans living and working globally to channel remittances into structured financial products including health insurance. Avon HMO provides healthcare coverage for family members of diaspora customers, contributing to the platform's comprehensive financial ecosystem. UBA operates across 20+ African countries plus the UK, France, and UAE.
• United Bank for Africa (UBA) — Children's Health PlanscoreStrategic or Co-development Partner · 1 March 2021Avon HMO partnered with UBA to develop bespoke, well-tailored health plans for children. The collaboration addressed the gap in health coverage for children and was designed to provide parents with accessible and comprehensive child healthcare coverage.
• ShecludedcoreStrategic or Co-development Partner · 1 January 2021Avon HMO formed a strategic partnership with Shecluded, a female-focused financial services provider, to create two bespoke health plans — Nova and Thrive — specifically designed to address women's healthcare access gaps. The plans aim to bridge the gap that impedes women from accessing healthcare services and protect women-owned SMEs from unexpected medical expenses.
• PiggyVestsupportingGTM or Marketing Partner · 1 October 2018Avon HMO partnered with PiggyVest (a Nigerian fintech savings and investment platform) to provide flexible instalment payment options for health plans. This partnership enables more Nigerians to access health coverage by breaking premiums into manageable monthly payments, addressing affordability barriers.
• Lagos State GovernmentcoreStrategic or Co-development PartnerAvon HMO is working on an ongoing partnership with the Lagos State Government, which when finalised will represent a significant milestone in achieving equitable, affordable, and accessible healthcare service delivery in Nigeria's most populous state.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Reliance HMO: Nigeria-focused HMO with strong digital-first positioning, mobile app-based plan management, and partnerships with employers and fintechs. Closest direct competitor to Avon HMO on digital distribution and B2C online subscription.
• HCI (Health Care International) Nigeria: Nigerian HMO serving corporate and individual customers with health plan products. Direct overlap with Avon HMO across B2B group plans and B2C individual coverage in the Nigerian market.
• Hygeia HMO: One of Nigeria's longest-established HMOs offering individual, family, and corporate health plans through a provider network. Direct competitor to Avon HMO across both B2B employer-sponsored and B2C individual segments in Nigeria.
• Heirs Insurance Group: Nigerian insurance group offering life and health insurance products, co-partner with UBA in the diaspora banking ecosystem. Competes with Avon HMO in Nigeria across individual and corporate health plans and shares a similar UBA-aligned distribution footprint.
• Total Health Trust (a member of the Liberty Holdings group): Long-standing Nigerian HMO offering employer-sponsored and individual health plans through a provider network. Directly comparable to Avon HMO on product structure, distribution model, and target segments.
• Leadway Health: Nigerian HMO affiliated with Leadway Assurance, providing individual, family, and corporate health plans. Competes with Avon HMO across employer-sponsored and individual segments with comparable product breadth.

Broad incumbents

• AXA Mansard Health: Nigerian subsidiary of AXA Group offering health insurance alongside life and general insurance products. Overlaps with Avon's corporate and individual health plan offerings but operates as part of a broader multi-line insurance portfolio with deeper capital and reinsurance access.
• AIICO Insurance Plc: Nigerian multi-line insurer offering health insurance alongside life and general insurance. Competes with Avon HMO on corporate health plans but with broader product portfolio and access to larger reinsurance treaties.
• Bupa: Global health insurance specialist serving corporate and individual customers across multiple continents. Comparable to Avon HMO on individual and corporate health plan products, particularly relevant for international Critical Care plan benchmarking.

Regional players

• Discovery Health: South Africa's largest health insurer with extensive provider networks and wellness programmes. Comparable to Avon HMO on managed care discipline and product innovation, though operating in a far more mature and regulated market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/AVONHMO

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Avon Healthcare Limited