Cover yourself and your loved ones

aYo is an insurance solution to all MTN subscribers. The service offers you an easy way to cover yourself and your loved ones against the costs associated with hospitalization and funerals through aYo Recharge With Care and aYo Send With Care.

aYo insurance provides you two types of covers under Recharge With Care:

  • MyHospital Cover: This policy gives you cover in the event that you are hospitalized for a night or more due to a traumatic event or if hospitalized for 2 night due to an illness.
  • MyLife Cover: This policy gives you cover in the event that you pass away, your accumulated cover will be paid out to your beneficiary (MyLovedOne) to cover for funeral expenses.

aYo Senkyu Cover

MTN Uganda customers can now use their MTN Senkyu loyalty points to get insurance from aYo, in the form of life or hospital cover.

By subscribing to aYo insurance, using MTN Senkyu, customers will have peace of mind that in the event of an accident, aYo will help them take care of their hospital bills and in the event of your passing away, aYo will help support their family financially.

Simply dial *141# select Option 3 – ‘Use points for aYo Insurance’ to get started.

aYo Recharge With Care

aYo provides you with a fast, convenient and easy to use insurance right on your mobile phone. You enjoy hospital and life insurance cover through airtime deduction (Recharge with Care)

Use your Senkyu points to get MyHospital and MyLife Insurance cover valid for 30 days. MyLife cover pays out to your family in the unfortunate event of your passing, and MyHospital cover is paid straight into your MTN Mobile Money account if you spend one night or more in hospital due to an accident.

You need to be between the ages of 18 and 65 to sign up with aYo.

If you have already signed up with aYo (before the age of 65) you can continue to enjoy the benefits of aYo up to the age of 70.

When you turn 70, you will no longer qualify for Recharge with Care and you will no longer be able to boost your cover.  The balance of cover will remain in place until it expires, thereafter your aYo registration will be cancelled and your policy will be terminated.

No, you will not be covered for any event that may have occurred in another country

The maximum limit cover for MyLife is UGX 2,500,000 and for MyHospital is UGX 1,000,000.

No hardcopy policy document will be issued. All the Terms and Conditions and information you will need can be accessed online on www.ayo4u.com.

Your cover expires after a minimum of 30 days from the commencement date of your cover.

Yes, you can. The cancel option can be found under the MyBoost option on the aYo menu.

  • If you have MyHospital cover and you have spent at least 1 night in hospital due to a traumatic event resulting in physical injury, a claim can be initiated.
  • If you have MyLife cover and you have passed away, a claim can be initiated by your specified MyCaretaker or MyLovedOne.

For a comprehensive view of the FAQs visit https://www.ayo4u.com/ug/faq

  1. Please visit https://www.ayo4u.com/rwctermsandconditions  to see the full Terms & Conditions

My Community

You can build MyCommunity by inviting your friends and family to join aYo Recharge with Care. Earn extra MyBonus value every time a friend registers for Recharge with Care and immediately boosts their cover. The more friends you invite who register and boost, the more MyBonus you can earn. Dial *296# and choose the MyCommunity option.

MyBoost

aYo Recharge with Care gives you the cover you need, but you can also make affordable contributions for the cover you want. Increase your MyHospital or MyLife cover the way you want at the cost you choose, and earn extra MyBonus value every time you boost your cover.

There are two ways to boost your cover:

MyBoost

Increase your cover to an amount you’re happy with and pay for it directly from your airtime wallet or MTN Mobile Money account whenever you want.

MyAutoBoost

Choose the amount of extra cover you want and have it automatically deducted from your airtime whenever you load airtime.

Dial *296# and select option 9 to boost your cover. Have a look at the table below for the options available to you:

 

Boost your cover on your own terms

MyAutoBoost
(UGX)
MyHospital
(UGX)
MyLife
(UGX)
MyBoost
(UGX)
MyHospital
(UGX)
MyLife
(UGX)
50/- 5,000/- 50,000/- 500/- 50,000/- 500,000/-
75/- 7,500/- 75,000/- 750/- 75,000/- 750,000/-
100/- 10,000/- 100,000/- 1,000/- 100,000/- 1,000,000/-
150/- 15,000/- 150,000/- 1,500/- 150,000/- 1,500,000/-
250/- 25,000/- 250,000/- 2,000/- 200,000/- 2,000,000/-
300/- 30,000/- 300,000/- 2,500/- 250,000/- 2,500,000/-
400/- 40,000/- 400,000/- 3,000/- 350,000/- 3,000,000/-
500/- 50,000/- 500,000/- 5,000/- 500,000/- 5,000,000/-
750/- 75,000/- 750,000/- 7,500/- 750,000/- 7,500,000/-

MyBonus

aYo offers you a MyBonus facility which allows you to earn bonus value for using aYo Recharge with Care;

You will get MyBonus when you successfully sign up, when you add MyLovedOne, for every friend you invite to join aYo and Boost their cover, the more you invite the more you earn.

Furthermore, you will also get MyBonus for the first Boost.  Remember, if you subscribed to the AutoBoost service, for every airtime recharge, you will earn 5% of the top-up amount in form of Bonus.

My Bonus builds up to UGX2, 000 at which point you will be notified via SMS to cash your bonus out into your mobile Money account, buy airtime or buy more insurance cover.

aYo Send With Care

With aYo Send with Care, MTN Mobile Money subscriber qualify for paid-for cover whenever they choose to send Mobile
Money at a premium fee.

By adding value to the money you send using Send with Care, aYo will provide you with these benefits: firstly, should you be
hospitalised for a night or more due to an accident aYo will pay triple the amounts you’ve sent over the last 4 months into
your MTN Mobile Money account as a lump sum. Secondly, If you unfortunately pass way, aYo will pay triple the amounts
you’ve sent over the last 4 months to your beneficiary (the recipient of the Send with Care transaction) as a lump sum. All
you have to do is dial *165*1*4# to start sending your money with Care.

Cover:

By sending money through “ Send with Care” you will be purchasing cover valid for 120 days, every time you send money to a beneficiary (either an individual person or to a school for school fees).

Cover for money sent to individuals through MTN Mobile Money:

If you send money to a beneficiary using Send with Care and then pass away or spend at least 1 night in hospital because of a physical injury caused by a trauma event, the accumulated cover will be paid into your beneficiary’s MTN Mobile Money Account.

Cover for your school fees paid through MTN Mobile Money:

If you pay your school fees through Send with Care and then pass away or spend at least 1 night in hospital because of a physical injury caused by a trauma event, your accumulated cover will be paid into the School’s MTN Mobile Money Account for your children’s school fees.

Receive bonus value:

By using Send with Care you will receive bonus value ( MyBonus). MyBonus becomes available to you once it reaches a specified threshold and you can choose to have it cashed out into your MTN Mobile Money account.

Claims made easy:

Claims can be done directly from your cell phone. Your beneficiary or MyCaretaker (trusted person) can claim on your behalf in the event that you are unable to do so.

The cost to use aYo Send with Care is as follows:

  • premium, that is payable by the sender of money, is applicable to Send with Care benefits. This cost is based on a fixed 5% of the value you send to (remit to) your beneficiary or school “with Care”. For example;
    • if you send UGX2,750 the cost for Send with Care to you will be 2,750 * 5% = UGX137
    • if you send UGX15,000 the cost for Send with Care to you will be 15,000 * 5% = UGX750
    • if you send UGX100,000 the cost for Send with Care to you will be 100,000 * 5% = UGX5,000
  • You need to ensure that you have sufficient funds in your MTN Mobile Money account to cover the cost of Send with Care, otherwise your money will be sent to the beneficiary but no cover will be provided.

The sender (the person sending money) is the premium payer. The beneficiary receiving the money does not pay anything the cover.

The premium will be a separate charge to the sender’s MTN Mobile Money account and will not be deducted from the amount being sent.

You need to be between the ages of 18 and 65 to sign up with aYo and make use of aYo Send with Care.

If you have already signed up with aYo (before the age of 65) you can continue to enjoy the benefits of aYo Send with Care up to the age of 70.

When you turn 70, you will no longer qualify for Send with Care. The balance of cover will remain in place until it expires, thereafter your aYo registration will be cancelled and your policy will be terminated.

A waiting period is the time that must pass before you can claim on your cover. But for aYo Recharge with Care, there is no waiting period applicable.

As soon as you add Send with Care to a remittance and successfully pay the premium out of your MTN Mobile Money account, a policy will be created.

No hardcopy policy document will be issued. All the Terms and Conditions and information you will need can be accessed online on www.aYo.co.ug. Remember you can check your balances by dialling *165*1*4#.

No, you cannot transfer your cover to a friend or family member as you are the only person covered for the benefits.

To have an MTN Mobile Money Account and therefore be a registered MTN subscriber.

To be between the ages of 18 and 65 years old.

To be a Ugandan citizen and also a resident in Uganda.

To be familiar with the aYo Send with Care Terms and Conditions so you can accept them while you use Send with Care. These are available on www.aYo.co.ug.

Dial MTN Mobile Money USSD Menu by choosing the “Send with Care” option. You can do this by dialling *165# and follow the prompts or dial *165*1*4# to access the Send with Care menu directly.

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 and the recipient of the
MTN Mobile Money Remittance in respect of Life Cover.

Yes, you can only be a beneficiary of Send with Care if you have an MTN Mobile Money account.

It is important that when you use Send with Care (when you send money to a beneficiary) that you inform them of this.

Yes, but it is important to ensure that your beneficiary knows you have remitted money to them via Send with Care and inform them that they are able to claim in the event that something happens to you.

This is a person you trust. MyCaretaker can claim on your behalf when you are unable to do so. MyCaretaker can ensure that your beneficiaries receive the Send with Care proceeds due to them in the event of you being in hospital for at least one night because of a physical injury caused by a trauma event, or if you pass away.

You will need the following information to enter their details:

  • First name,
  • Last name,
  • Cell phone number and
  • Date of birth.

If you pay school fees through the Send with Care menu, you will be prompted to add MyCaretaker details.

Alternatively you can follow the “MyCaretaker” option in the Send with Care section in the MTN Mobile Money USSD menu.

No, MyCaretaker does not need to be an MTN Mobile Money account holder. MyCaretaker can claim on your behalf if they dial *165*1*4# and follow the claim prompts. However, if MyCaretaker is not on the MTN Mobile Money network, claims can also be submitted through the website www.aYo.co.ug, via email on claims@ayo.co.ug, via WhatsApp to +256 77 959 5481, or hand delivered to the nearest MTN store.

Yes, MyCaretaker can also be a beneficiary, as long as MyCaretaker is also an MTN Mobile Money account holder.

MyCaretaker will receive an SMS notification informing them that they have been selected as MyCaretaker.

You can only have one MyCaretaker.

Subject to any exclusion criteria in the aYo Terms and Conditions, the following cover is available to you through Send with Care:

aYo will pay your policy proceeds to your beneficiary(s) that received Send with Care, in the event that:

  • you pass away
    OR
  • accidental hospitalisation, i.e. spend at least one night in hospital because of a physical injury caused by a trauma event (either accident, impact or injury), where hospitalisation should take place during the period of cover, and
  • you have sent money to your beneficiary using Send with Care within 4 months of the event occurring.
  • a claim is initiated; and
  • your cover has not expired.

Only you, the sender of money through MTN Mobile Money, are covered in the event that you spend at least one night in hospital because of a physical injury caused by a trauma event, or if you pass away.

If you are covered with Send with Care it means that in the event that something happens to you (as indicated above), then your beneficiaries will receive a payment as if you are sending money to them.

aYo will triple (3 times) the amount that you send to your beneficiary, subject to the maximum cover limits mentioned below.

If you send UGX10,000 to a beneficiary using Send with Care, then aYo will provide you with triple the amount of cover. This means that if you have a successful claim then your beneficiary will receive proceeds of 3 x UGX10,000 = UGX30,000.

  1. Please visit https://www.ayo4u.com/rwctermsandconditions  to see the full Terms & Conditions

Costs

For a fixed fee of just 5% of the amount you send to your beneficiaries, you can now get cover for the money you send home through MTN Mobile Money.

The premium is charged over and above the money you are sending, therefore please ensure you have sufficient funds in your MTN Mobile Money account to cover the cost of Send with Care, otherwise the money will be sent to the beneficiary but no cover will be provided.

 

Amount to Send
with Care(UGX)
MTN Charge
(UGX)
aYo Charge
(UGX)
Amounts you should have on your
phone before sending (UGX)
Received hospital/life
cover (UGX)
1,000/- 250/- 50/- 1,300/- 3,000/-
5,000/- 500/- 250/- 5,750/- 15,000/-
10,000/- 1,000/- 500/- 11,500/- 30,000/-
20,000/- 1,000/- 1,000/- 22,000/- 60,000/-
50,000/- 1,000/- 2,500/- 53,500/- 150,000/-
100,000/- 1,600/- 5,000/- 106,600/- 300,000/-
120,000/- 1,600/- 6,000/- 127,600/- 360,000/-
150,000/- 1,600/- 7,500/- 159,100/- 450,000/-
833,333/- 2,000/- 41,667/- 877,000/- 2,499,999/-

MyBonus

Earn MyBonus value each time you Send with Care. This value builds up to a specific value, at which point you can cash it out to your MTN Mobile Money account.

 

 

Interested?

Dial *296# to sign up for Recharge With Care

Question 1/4

How many MBs do you get for UGX 1000?

200 MBs
165 MBs
310 MBs
120 MBs
Question 2/4

How many additional MBs do you get when you pay UGX 250?

20 MBs
5 MBs
10 MBs
8 MBs
Question 3/4

How many data bundles have been increased at the same price?

Zero bundles
2 bundles
5 bundles
4 bundles
Question 4/4

What's the code for activating data bundles?

*150*10#
*175*2#
*110*7#
*150*4#