Recharge with Care Terms and Conditions
Welcome to aYo Recharge with Care. aYo Recharge with Care insures You against the financial consequences of
hospitalisation or passing away on the terms below.
Your Insurance Cover
Your insurance cover will include MyLife and MyHospital benefits.
(a) MyLife Benefit: We will pay out the Cover Amount to Your Beneficiary if a You unfortunately pass away.
(b) MyHospital Benefit: We will pay out the Cover Amount to You if You are Hospitalised for 3 (three) nights
or more as a result of an Illness. If a You are Hospitalised as a result of an Accident, your Cover Amount
will be paid to you if you are Hospitalised for at least a 1 (one) overnight stay. The frequency of
MyHospital claims will be limited to 3 (three) claims per 12 month rolling period per Covered Person
insured, subject to a minimum of 30 (thirty) days between claimable Insured Events.
(c) MyBonus will reward You with a MyBonus value each time We receive a Premium payment. Once Your
bonus value is higher than the threshold of CAF140, you will be able to use the value to buy more aYo
insurance cover or transfer the value to Your MTN MoMo wallet.
Your Cover Amount
MyLife Cover will pay out up to a maximum of CAF300,000. Your cover is a multiple of the Premium You pay. Each
CAF1 will earn CAF200 of MyLife Cover, valid for 30 days.
MyHospital Cover will pay out up to a maximum of CAF200,000 per event. You cover is a multiple of the Premium
You pay. Each CAF1 will earn CAF100 of MyHospital Cover, valid for 30 days.
The maximum Cover Amount will be applied at the point of recharge or Premium payment. We may increase or
decrease the maximum Cover Amount without notification to You and We reserve the right to restrict or decline the
payment of Premium and allocation of cover.
Commencement of Cover and Your Premium
Your insurance cover will start when you have successfully registered for the policy on aYo USSD *296#, the aYo
Website or the aYo App AND after we have received Your Premium payment. When You enrol for Recharge with
Care, you select a Premium Amount, and this is deducted from your MTN MoMo wallet whenever you recharge
your airtime. You will also be able to pay an additional Premium from Your Mobile Money wallet on ad hoc basis if
You want to buy more insurance cover. Each Premium You pay will purchase 30 days of insurance cover and is
renewable monthly. This means that You will need to recharge Your airtime and pay a Premium in order to
continue earning insurance cover.
Your Premium is reviewable. aYo and Sanlam reserve the right to adjust Premium(s) and Cover Amounts with 1
(one) days’ notice.
Waiting Period
A 30-day waiting period applies to Your MyLife insurance cover from the Commencement Date during which only
claims as a result of an Accident will be covered.
A 3-month waiting period will apply to Your MyHospital insurance cover from the Commencement Date during which
only claims as a result of an Accident will be covered.
If You reinstate Your policy new waiting periods will apply.
Eligibility
You must:
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(a) be a registered MTN Cameroon prepaid customer, be the user of the applicable cell phone number and
have an active MTN MoMo wallet; and
(b) Be a citizen of Cameroon and permanently resident in Cameroon and be without any pre-existing
illnesses or health conditions; and
(c) Be between the ages of 18 and 65 years when you register for the Policy; and
(d) have given consent to register for aYo Recharge with Care and acknowledge that You have read
through, understand and accept these Terms and Conditions.
If you have registered for more than one policy with multiple MTN cell phone numbers, your payout for 1 (one)
event will be limited to the maximum Cover Amount.
Your Policy is linked to Your cell phone number and cannot be transferred to another cell phone number in the event
that You change cell phone numbers.
Termination
(a) You can cancel the Policy at any time. If You Cancel, No Premiums will be refunded, your insurance
cover will terminate and Your MyBonus will be forfeited. You can reinstate the policy at any time by
registering for a new aYo Recharge with Care policy. All relevant Terms and Conditions of a new policy
will be applicable.
(b) The policy will terminate when You turn 70 (seventy) years old or upon Your death, if earlier. Any
existing cover will remain in place until the end of the cover term.
Submitting a Claim
You must submit your claim within 30 days of the event occurring. Dial *296#, visit www.ayo.com, or
app.ayo4u.com to report or file a claim and provide the following documents:
1. Evidence of death (passing away): Death certificate, medical certificate of cause of death, mortuary
receipts, burial permit, or official letter from local chief, religious leader, or an authorized district
Assembly representative.
2. Evidence of hospitalisation: Itemized medical bill or discharge letter showing date of admission and
discharge, endorsed by a doctor from a Cameroon Ministry of Health accredited facility.
In the event of Accidental Hospitalisation, if the time of admission to hospital is more than 24 hours
from the time of accident/trauma event, aYo reserves the right to scrutinise and reject the claim if it
believes hospitalisation was not caused by the accident/trauma event.
The documents can be submitted via app.ayo4u.com or at any MTN service centre.
aYo will verify Your Identity and the eligibility of all claims and may request documentary proof of identification as
well as proof of the Insured Event. The acceptance and processing of a claim does not in any way imply that a claim
has been admitted for payment and aYo reserves the right to route the claimant, the person initiating and driving
the claims process, to a claims repudiation process if required. The decision to admit or repudiate a claim shall
remain within the sole discretion of Sanlam.
Exclusions
You are not eligible for payment of a claim if:
(a) Claim documents are not authenticated, are incorrect, incomplete or if relevant material information
is withheld;
(b) The Insured Event occurs outside the borders of Cameroon;
(c) The Insured Event occurred prior to the purchase of cover;
(d) The treatment in the Hospital did not comply with the procedures and clinical guidelines prescribed by
the Ministry of Health of Cameroon, was not considered to be medically necessary or could have been
provided at a lower level of medical care;
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(e) The Hospitalisation leading to the claim resulted from self-inflicted injury, abuse of alcohol or illegal
narcotics, childbirth, mental and emotional conditions, or cosmetic and elective surgery;
(f) The claim was caused, directly or indirectly, by active participation in war, invasion, acts of foreign
enemies, hostilities, warlike operations, civil war, rebellion, revolution, insurrection, civil unrest, riots
etc.
aYo reserves the right to evaluate MyLife or MyHospital claims resulting from any epidemic or pandemic, including
but not limited to the Corona Virus (COVID-19), on a case-by-case basis and may exclude these claims.
If at any time there has been wilful or fraudulent misrepresentation by or if a claim is in any respect fraudulent,
intentionally exaggerated or misrepresented in any manner, all benefits under the policy shall be forfeited and
Sanlam may terminate the policy without the obligation to refund any of the Premiums already paid under the policy.
Laws Applicable
These Terms and Conditions govern the legal relationship between aYo Cameroon, Sanlam, the Insurer (We or Us)
and You (the Policyholder). Where words are capitalised, specific definitions apply, and these can be found under
the heading ‘Definitions’. The policy shall be governed and construed in accordance with the Laws of Cameroon. The
policy cannot be sold or exchanged for cash, it is a non-participating policy, and it shall not attain any surrender or
loan value.
We reserve the right to amend the Terms and Conditions of this Policy, including the Benefits and Premiums, from
time to time which will be published on the app.ayo4u.com and on www.ayo.com. Where amendments are made,
these will apply to Cover purchased with Your next Premium payment following the date of change. These T&Cs
shall apply to cover purchased from 1 March 2022 as amended from time to time. If there is uncertainty the Terms
and Conditions published on app.ayo4u.com and on www.ayo.com will take precedence.
Data Sharing
For us to offer our services to you and administer your policy we must collect, process and store your personal
information which may include special personal medical information about You and Your Beneficiaries, and we
may be required to disclose this information to 3rd parties. We might also require personal information relating to
You from a third party. You hereby authorize and consent for aYo to request on Your behalf, any personal
information from MTN Cameroon, a Hospital, a medical practitioner, health care professional or any other third
party that might be relevant for the purposes of administering Your policy inclusive of assessing and processing
Your claim.
For more information on specific categories of information and how We use your information please visit our
Privacy Statement on the aYo website.
Processing of your information includes aYo, MTN and Sanlam exporting your personal information outside of the
borders of Cameroon to the extent lawful and for its intended purpose.
Additional Information
Enquiries on product, service and claims can be referred to the help option on the USSD menu, app.aYo4u.com or
the following MTN Call Centre which will be available to answer generic questions: XXX.
Policyholders may also refer to the section on Frequently Asked Question (FAQs) on app.ayo4u.com and on
www.ayo.com.
Definitions
1. “aYo” means aYo Cameroon.
2. “Accident” means any bodily wound or shock produced by sudden physical injury, as from accident, injury
or impact, e.g., road accidents, fire or hijacking.
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3. “Beneficiary” means the person entitled to the insurance benefits of a successful claim. The Beneficiary will
be the Policyholder in respect of the Hospital Cover. In respect of Your MyLife Cover, You will select a
Beneficiary. If your Beneficiary is deceased, cannot be located within a reasonable period of time or has not
been nominated, aYo shall in its sole discretion be entitled to pay the benefit to any person that an insurable
interest in You.
4. “Commencement Date” is the date that Your policy starts. We must have received Your Premium for Your
policy to start.
5. “Covered Amount” means the benefit amount accumulated by the Policyholder. For Hospital & Life cover
to pay out, cover must have been bought prior to the accident/trauma event date resulting in admission to
hospital for the hospital benefit, and cover must have been bought prior to the date of death for the life
benefit. The claim amount shall therefore be the applicable cover amount accumulated as on the day before
the claim event date.
6. and for which We have a received a Premium.
7. “Covered Person” means the Policyholder.
8. “Hospitalisation” means a stay in a hospital to treat an Accident. In the event of treatment due to an
Accident, your stay in Hospital must be an overnight stay to be eligible to claim. Your treatment in the
Hospital must comply with the procedures and clinical guidelines prescribed by the Ministry of Health of
Cameroon, must be considered medically necessary and the treatment could not have been provided at a
lower level of medical care.
9. “Hospital” means a hospital facility accredited by the Cameroon Ministry of Health.
10. “Insured Event” means, in respect of MyHospital, Your Hospitalisation or, in respect of MyLife, Your passing
away, subject to the Terms and Conditions.
11. “Premium” means the amount payable in advance by You in order to purchase MyLife and/or MyHospital
insurance cover. Your Premium will be deducted from Your MTN airtime wallet when You recharge or from
Your MTN MoMo wallet when You select to pay an additional Premium.
12. “Policyholder” means the person who is the user and owner of the MTN Cameroon mobile number who
successfully registered for aYo Recharge with Care.
13. “Recharge with Care” is an insurance policy offered to MTN Cameroon subscribers by Sanlam providing
MyLife and MyHospital benefits.
14. “You or Your” means the individual who is the Policyholder.
15. “We or Us” means Sanlam.