The aYo is a type of insurance right from the comfort of your phone introduced by MTN.

It includes hospital cover for accidents (not illness) and life cover. Simply register on your cellphone for aYo Recharge with Care and get a minimum of 30 days’ free cover every time you load MTN airtime.


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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₵3000 life cover for the family member.

By signing up to aYo Recharge with Care (Rwc) you get up to GH₵50.00 per night as hospital cover upon admission due to illness or accident and up to GH₵3,000 life cover for yourself plus one family member.


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To join the “Recharge with care”

DIAL *296#

This gives you a hospital cover for illness and accident as well as life cover for a minimum of 30 days every time you load MTN airtime.



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To join “Send with Care”

DIAL 170# Choose option I and then option 3

You get triple the amounts you’ve sent via MTN Mobile Money over the last 4 months paid to you should anything happen to you or the recipient of the Mobile Money Transfer.

MTN Ghana Health Insurance

The MTN Ghana health insurance can be joined by following the steps below

Dial *296# from your OWN cell phone and follow the menus.

To sign Up: Choose the “Sign Up” option on the menu.

Choose your “MyFreeCover”:

You will be asked what free cover you want to accumulate every time you buy MTN airtime.

Select “My Hospital” for the health insurance cover.