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aYo Insurance

aYo Recharge +

As an aYo Recharge+ subscriber, you will receive free coverage each time you purchase bundles from your MTN MoMo account. The more bundles you purchase, the more the amount of your coverage increases. You will receive compensation via your MTN MoMo account which will be paid to you if you are hospitalized for at least 1 night, following an accident or traumatic event. In the unfortunate event of your demise, the death benefit you have accumulated will be paid to your designated beneficiary.

Dial *126*296# from your MTN number and subscribe now or via the mobile app on ayo.co.cm

Accident hospitalization compensation

As an aYo Recharge+ subscriber, if you spend at least 1 night in the hospital due to trauma (accident, injury, etc.), the coverage accumulated thanks to your bundle purchases via MoMo will be paid to you via your MTN MoMo account.

Death benefit

In the event of the death of the subscriber to the service, the death benefit that has accumulated will be paid to the beneficiary designated by the subscriber.

Frequently Asked Questions ( FAQs)

How old do I have to be to register for the aYo Recharge+ service?How old do I have to be to register for the aYo Recharge+ service?

You must be between the ages of 18 and 65 to register for aYo Recharge+.

 

What will happen to my coverage when I turn 70What will happen to my coverage when I turn 70

If you are already registered with aYo (before the age of 65), you can continue to enjoy the benefits with aYo until the age of 70.

When you turn 70 years old, you will no longer be able to take advantage of aYo Recharge+ and will no longer be able to increase your coverage. The balance of coverage will remain in place until it expires, after which your membership with aYo will be terminated and your insurance policy will be cancelled.

Will I receive a physical insurance policy documentWill I receive a physical insurance policy document

No paper document is issued. All Terms and Conditions and other necessary information are available online on our mobile app at www.ayo.co.cm

How much free coverage am I eligible forHow much free coverage am I eligible for

The amount of free coverage you receive depends on the number of bundles you buy through your MTN MoMo account:

For accident hospitalization compensation, aYo multiplies each of your bundles purchases with your MTN MoMo account by 8 and constitutes compensation that will be paid to you in the event of hospitalization following an accident or trauma.

For your death benefit, each time you buy your bundles from your MTN MoMo account, aYo multiplies the amount of your purchase by 12 to constitute your indemnity in the event of death.

 

How long does my cover last? Does it expire?How long does my cover last? Does it expire?

Your coverage expires at least 30 days after its start date

Can I increase the value of my free cover?Can I increase the value of my free cover?

Yes, you can. The more you buy bundles via your MTN MoMo account, the more you increase your coverage (subject to reaching the maximum coverage limit

Is there a maximum limit to the amount of coverage I can have?Is there a maximum limit to the amount of coverage I can have?

Yes, there are maximum limits to the covers you can own within 30 days

When can I report a claimWhen can I report a claim
  • If you have spent at least 1 night in the hospital following a traumatic event resulting in physical injury (domestic accident, etc.) a declaration can be made.
  • In the event of death, your beneficiary, or your guardian whom you have previously designated, can declare the loss.
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