Recharge with care.

Products are only available in Uganda, Zambia, Ghana & Côte d'Ivoire

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Send with Care

Get triple the amounts you’ve sent via MTN Mobile Money over the last 4 months, paid to your loved ones over a year, should anything happen to you.

DIAL *165*1*4#


Fast, convenient and easy to use insurance

Right on your mobile phone!

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)

aYo will be introducing aYo Senkyu Cover very soon. aYo Senkyu Cover will allow you 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.

Effective 1 May. Customers will no longer get Recharge with Care MyFreeCover accumulated out of airtime recharge. To get aYo Cover, Existing aYo AutoBoost customers will continue loading airtime and the AutoBoost amount that was setup as premium will enable them get cover. No more free cover.

New customers on the other hand, will have to sign up to aYo PAID-FOR Cover and setup an AutoBoost, this sets a fixed amount, that you choose, to be directed to your insurance cover every time you load MTN airtime.

Dial *296# to sign up, then select option 9 – MyBoost, followed by option 2 – MyAutoBoost to select how much airtime you wish to be deducted from every airtime recharge.

You can also choose to do a once-off Boost to purchase cover You get 5% of the AutoBoost amount in form of BONUS

For example; If you AutoBoost with UGX 200/-, it is multiplied by 100 for MyHospital cover or 200 for MyLife cover hence generating a cover of 20,000/- MyHospital cover or 40,000/- MyLife cover respectively.


Every time you use MyBoost to increase your cover, you can earn MyBonus. In future, you will also be able to earn MyBonus for inviting a friend or buying cover for a family member or friend. The value of MyBonus builds up to a specific value, at which point you can use it to buy more cover, cash it out to your MTN Mobile Money account or buy MTN airtime.

To check your MyBonus balance dial *296#


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.


aYo Recharge with Care gives you the free 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:


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.


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: