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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.

The maximum limit cover for MyLife is K12,000 and for MyHospital is K3,000.

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.

If your choice is MyLife, you qualify for K25 cover for every K1 of airtime you recharge with. If your choice is MyHospital, you qualify for K15 cover for every K1 of airtime you recharge with.

Yes, you can by dialing *296#.

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

You can buy more cover through MyBoost as a Once Off option or set an Automatic regular boost called MyAutoBoost under which your autoboost amount will be automatically deducted from your account on every recharge. Simply dial *296# and go to MyBoost.

Yes.

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/zm/faq.

You need to be between the ages of 18 and 65.

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

Dial *303# and select the Send with Care option or dial *303*1*4# to access the Send with Care menu directly.

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

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 you or your beneficiary(s) that received Send with Care, in the event that:

you pass away

OR

accidental hospitalisation, i.e. you spend at least one night in hospital because of a physical injury caused by a trauma event (either accident, impact or injury), hospitalisation should take place during the period of cover,

OR

hospitalisation due to illness, i.e. you spend at least three night’s in hospital due to any general illness (T&Cs Apply), here also hospitalisation should take place during the period of cover.

To enjoy the above benefits, you have sent money to your loved ones/beneficiary using Send with Care within 4 months of the event occurring. Then you can initiated a claim as long as your cover has not expired.

aYo will triple (3 times) the amount that you send to your beneficiary in the case that you pass away or are accidentally hospitalised or match the amount that you send to your beneficiary in the case that you are hospitalised due to an illness, subject to the maximum cover limits.

If you send ZMW1,000 to a beneficiary using Send with Care, then aYo will triple the amount of cover, in the case that you pass away or you are hospitalised due to an accident.

This means that if you have a successful claim due to an accident, you shall receive ZM3,000.00 through your MoMo account then your beneficiary will receive proceeds of 3 x ZMW1,000 = ZMW3,000 in the unfortunate event that you passed on. Should you be hospitalised for at least three (3) nights, aYo Send With Care will pay you 1x the amount you send through your MoMo Account i.e. 1 x ZMW1,000.00 the amount that you sent to your beneficiary.

The maximum amount of cover you can have per beneficiary is ZMW3,000.

You can have up to 10 individual beneficiaries, if you have sent money to these individuals using Send with Care.

With aYo Send with Care, the individual receiving the money from you will automatically be allocated as your beneficiary of life cover, should you pass away (you are allowed a maximum of 10 individuals as your beneficiaries).

If you use Send with Care, the cover you receive related to each remittance is valid for 120 days, effective from the date of the remittance. After 120 days, your cover will expire for that specific remittance to which you have added Send with Care.

Each time you use Send with Care, your 120 day period applies, so your cover can accumulate and expire at different times and will therefore fluctuate over time and between different beneficiaries.

Yes, if you use Send with Care more than once in a 120 day period for the same beneficiary, your cover accumulates for that specific beneficiary.

In the event that: You have unexpired Send with Care cover and you have either:

• spent at least 1 night in hospital because of a physical injury caused by a trauma event, a claim can be initiated by yourself, your specified MyCaretaker or one of your beneficiaries. For the benefit to be paid, the hospitalization should take place during the period of cover.
• spent at least 3 nights in hospital because of illness, a claim can be initiated by yourself, your specified MyCareTaker or one of your beneficiaries.
• passed away, a claim can be initiated by your specified MyCaretaker or one of your beneficiaries.

For a comprehensive view of the FAQs visit https://www.ayo4u.com/zm/sendwithcare