aYo Holdings

aYo uses technology, analytics, mobile and digital channels to make life and hospital insurance accessible and easy to use across the African continent. A joint venture With Africa’s telecommunications giant MTN, aYo aims to improve the lives of its clients through financial inclusion and upliftment, and ultimately create a future where everyone uses insurance.

By providing micro-insurance to the people of Africa, we’re driving financial inclusion and making a tangible, positive difference to people’s lives.

WE’RE DRIVEN BY TECHNOLOGY
At our core, we’re a technology company. The key to the growth of the African micro-insurance market is the rapid expansion of mobile network providers like MTN, which provide the ideal delivery mechanism to enable accessibility, adoption and usage of our products.

WE’RE BUILDING BETTER FUTURES
Micro-insurance allows people with lower incomes to protect themselves and their families against the impact of specific events (like hospitalisation because of illness or accident, and even death) quickly and cheaply. This opportunity provides many Africans with exposure to life cover for the first time, and will help shield them from the economic shocks that could otherwise keep them locked into an endless cycle of poverty.

aYo is driving real financial inclusion on the African continent by providing protection against injury, illness and death for those who need it the most.

This is through fast, convenient, easy-to-use use insurance through their mobile phones, which allows customers to enjoy hospital and life insurance cover through airtime deduction and MTN MoMo.

aYo’s product offering gives customers flexibility and control; Consumers can choose how much cover they need for a specific risk whereby they are not locked into monthly premiums.

OUR VALUES
At aYo the following five values are our guiding North Star. These values determine our decision making, inform our product development and help our team build meaningful careers.