aYo Intermediaries Ghana is a subsidiary of MTN Group which provides micro insurance to all MTN subscribers. At aYo, we seek to make insurance accessible, easy to use and relevant to all Ghanaians. Do you want to be part of a multinational firm with the vision of providing a future where everyone uses insurance? aYo is a multinational firm that provides relevant, accessible and easy to use insurance cover in Ghana via mobile phone.

aYo provides you with a fast, convenient and easy to use insurance right on your cell phone. You enjoy hospital and life insurance cover through airtime deduction (Recharge with Care) or when you send MoMo to your family or loved ones (Send with Care).

Send MoMo with Care to your family or loved ones and get up to GH₵30,000 as hospital and life insurance cover for yourself, and up to GH₵3,000 life cover for the family member. Policy term or duration is 120 days.

By signing up to aYo Recharge with Care (Rwc) you get up to GH₵120.00 per night as hospital cover upon admission due to illness or accident and up to GH₵6,000 life cover for yourself plus one family member upon demise.

Subscribers between the ages of 18 years to 65 years can sign up to (Recharge with Care). Policy term or duration is 30 days renewable. However, it terminates at 70 years of age for any life assured. A 30 day waiting period applies to the policy under the following events in which only death and hospitalization due to accident is payable. T&Cs Apply