A twelve month waiting period applies to all health plans that include coverage of the following:

  • Pregnancy, childbirth, maternity benefits, abortion, miscarriage, ante-or-postnatal care, caesarean operation
  • Fertility treatment
  • Psychiatric illness, mental disorders and/or insanity expenses
  • All expenses associated with HIV/AIDS and related conditions
  • Treatment of hemorrhioids, fibroids, hernia, and adenoidectomy
  • Pre-existing and chronic conditions

Exclusions from Avon Access Basic Plan

  • Overseas treatment and transplant surgery
  • Plastic/cosmetic surgeries
  • Major and complex surgeries and procedures
  • Intensive care services
  • Cancer care
  • Maternity Services
  • Investigation and treatment for problems relating to fertility, e.g. hormone profiles, laparoscopy, hydrotubation, hysterosalpingogram IVF, GIFT, artificial insemination; and virility enhancing drugs
  • Herbal drugs, non-prescription drugs/food supplements, experimental drugs and treatment
  • Dental care not listed under services
  • Home care, domiciliary care
  • Additional immunizations : pneumococcal, yellow fever, rotarix, MMR
  • Embalment and autopsies
  • Joint replacements and prosthetic limbs
  • Long term psychiatric illness (exceeding 6 months)
  • Health screening/well-person check
  • Treatment for newborns not registered on the plan within 4 weeks of birth
  • Self-inflicted injuries
  • Congenital abnormalities
  • Incubator care
  • Special baby unit care
  • Neonatal care not listed under neonatal services
  • Speech disorders
  • Treatment protocols that are not normal, customary or standard practice within the country
  • Treatment of obesity
  • Consultations with unrecognized consultants, hospitals, family doctors, therapists, dental practitioners, or complimentary medicine practitioners
  • Learning difficulties, behavioral & developmental problems
  • Any treatment or procedure that is required as a follow up to any of the listed excluded services
  • Autoimmune disorders

Exclusions from Avon Access Core Plan

  • Overseas treatment and transplant surgery
  • Plastic/cosmetic surgeries
  • Major and complex surgeries and procedures
  • Intensive care services
  • Cancer care
  • Maternity services
  • Investigation and treatment for problems relating to fertility, e.g. hormone profiles, laparoscopy, hydrotubation, hysterosalpingogram IVF, GIFT, artificial insemination; and virility enhancing drugs
  • Herbal drugs, non-prescription drugs/food supplements, experimental drugs and treatment
  • Dental care not listed under services
  • Home care, domiciliary care
  • Additional immunizations : pneumococcal, yellow fever, rotarix, MMR
  • Embalment and autopsies
  • Joint replacements and prosthetic limbs
  • Long term psychiatric illness (exceeding 6 months)
  • Health screening/well-person check
  • Treatment for newborns not registered on the plan within 4 weeks of birth
  • Self-inflicted injuries
  • Congenital abnormalities
  • Incubator care
  • Special baby unit care
  • Neonatal care not listed under neonatal services
  • Speech disorders
  • Treatment protocols that are not normal, customary or standard practice within the country
  • Treatment of obesity
  • Consultations with unrecognized consultants, hospitals, family doctors, therapists, dental practitioners, or complimentary medicine practitioners
  • Learning difficulties, behavioral & developmental problems
  • Treatment or drugs for chronic conditions i.e. hypertension, diabetes etc.
  • Any treatment or procedure that is required as a follow up to any of the listed excluded services
  • Autoimmune disorders

Exclusions from Avon Access Plus Plan

  • Overseas treatment and transplant surgery
  • Plastic/cosmetic surgeries
  • Major and complex surgeries and procedures
  • Intensive care services
  • Cancer care
  • Investigation and treatment for problems relating to fertility, e.g. hormone profiles, laparoscopy, hydrotubation, hysterosalpingogram IVF, GIFT, artificial insemination; and virility enhancing drugs
  • Herbal drugs, non-prescription drugs/food supplements, experimental drugs and treatment
  • Dental care not listed under services
  • Home care, domiciliary care
  • Additional immunizations : pneumococcal, yellow fever, rotarix, MMR
  • Embalment and autopsies
  • Joint replacements and prosthetic limbs
  • Long term psychiatric illness (exceeding 6 months)
  • Health screening/well-person check
  • Treatment for newborns not registered on the plan within 4 weeks of birth
  • Self-inflicted injuries
  • Congenital abnormalities Incubator care
  • Special baby unit care
  • Neonatal care not listed under neonatal services
  • Speech disorders
  • Treatment protocols that are not normal, customary or standard practice within the country • Treatment of obesity
  • Consultations with unrecognized consultants, hospitals, family doctors, therapists, dental practitioners, or complimentary medicine practitioners
  • Learning difficulties, behavioral & developmental problems
  • Any treatment or procedure that is required as a follow-up to any of the listed excluded services
  • Autoimmune disorders

Exclusions from Avon Access Premium Plan

  • Overseas treatment and transplant surgery
  • Plastic/cosmetic surgeries
  • Major and complex surgeries and procedures
  • Intensive care services
  • Cancer care
  • Investigation and treatment for problems relating to fertility, e.g. hormone profiles, laparoscopy, hydrotubation, hysterosalpingogram IVF, GIFT, artificial insemination; and virility enhancing drugs
  • Herbal drugs, non-prescription drugs/food supplements, experimental drugs and treatment
  • Dental care not listed under services
  • Home care, domiciliary care
  • Embalment and autopsies
  • Joint replacements and prosthetic limbs
  • Long term psychiatric illness (exceeding 6 months)
  • Treatment for newborns not registered on the plan within 4 weeks of birth
  • Self-inflicted injuries
  • Congenital abnormalities
  • Incubator care
  • Special baby unit care
  • Neonatal care not listed under neonatal services
  • Speech disorders
  • Treatment protocols that are not normal, customary or standard practice within the country
  • Treatment of obesity
  • Consultations with unrecognized consultants, hospitals, family doctors, therapists, dental practitioners, or complimentary medicine practitioners
  • Any treatment or procedure that is required as a follow-up to any of the listed excluded services
  • Autoimmune disorders

Exclusions from Avon Access Prestige Plan

  • Overseas treatment and transplant surgery
  • Plastic/cosmetic surgeries
  • Cancer care
  • Treatment of Infertility
  • Herbal drugs, non-prescription drugs/food supplements, experimental drugs and treatment
  • Dental care not listed under services
  • Home care, domiciliary care
  • Embalment and autopsies
  • Joint replacements and prosthetic limbs
  • Long term psychiatric illness (exceeding 6 months)
  • Treatment for newborns not registered on the plan within 4 weeks of birth
  • Self-inflicted injuries
  • Congenital abnormalities
  • Incubator care
  • Special baby unit care
  • Neonatal care not listed under neonatal services
  • Speech disorders
  • Treatment protocols that are not normal, customary or standard practice within the country
  • Treatment of obesity
  • Consultations with unrecognized consultants, hospitals, family doctors, therapists, dental practitioners, or complimentary medicine practitioners
  • Learning difficulties, behavioral & and developmental problems
  • Any treatment or procedure that is required as a follow-up to any of the listed excluded services
  • Autoimmune disorders