In a country where many still lack formal insurance, aYo Ghana is changing the narrative. Its digital microinsurance solutions are giving millions of Ghanaians the confidence that when emergencies strike, help is only a phone tap away.
aYo Ghana continues to reshape the insurance landscape by delivering simple, affordable and accessible products that have become a safety net for households, traders, transport operators and small businesses. With more than 8.5 million lives insured and over GH₵35 million paid in claims, the company’s impact is evident across communities nationwide.
At the heart of aYo’s growth is its range of mass market products designed to provide relevant protection without complexity. Recharge with Care, Family Cover, Annual Cover, MedCover and Pay and Drive motor insurance combine life, hospital, accident and personal protection in flexible packages suited to the daily realities of Ghanaians.
Customers can enrol, renew or make claims entirely through mobile channels, eliminating paperwork and reducing barriers to insurance access. With USSD codes, MTN Mobile Money integrations, WhatsApp support, social media engagement and a multilingual call centre, aYo has built a customer friendly system that meets people where they are, including rural and peri urban communities.
Convenient Access Across the Country
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aYo’s broad network of touchpoints, supported by nationwide agents and partner activations, ensures that customers can connect with the company in whatever way suits them best. Claims initiation through USSD, SMS updates, digital policy statements and personalised support have strengthened transparency and convenience.
The company has also prioritised customer education, faster claims processing and improved feedback systems. Many claims are now settled within five working days, easing financial pressure on families when it matters most.
Recognition for a Year of Impact
The company’s focus on customer experience and innovation was recognised at the 7th National Communications and Technology Awards. aYo Ghana received Mobile Insurance Innovation of the Year, Innovative Digital Insurance Platform of the Year and Customer Experience Champion of the Year. Its Chief Executive Officer, Francis Gota, was also named InsurTech CEO of the Year.
Leadership Committed to Inclusion
Mr Gota thanked customers, partners and staff for their continued trust and emphasised aYo’s commitment to expanding insurance access nationwide.
“These awards reflect our collective commitment to innovation, customer trust and digital transformation,” he said. “We will continue building relevant products and investing in digital channels so every Ghanaian, regardless of income, can enjoy real protection.”
A Model for the Continent
With its expanding digital footprint and strong customer first approach, aYo Ghana is emerging as one of Africa’s leading examples of inclusive insurance. Its success shows how mobile technology can deepen financial inclusion and bring meaningful protection to millions who previously had little access to formal insurance.
