How to Claim MTN Ayo Insurance

MTN Ayo is an insurance service which has been launched in Ghana by MTN Ghana. It is one of the many insurance services being offered in Ghana by the telecom company.

It gives customers the opportunity to purchase affordable insurance that protects their loved ones from unexpected happenings such as injury, death or accident that would render them incapable of working thus adding financial stress to their families.

With MTN Ayo, you can be sure that you have the security of knowing that even if your mobile phone gets stolen, you can claim for it to be replaced with another brand-new mobile phone at no extra cost.

However, many people are still unaware of how the process works, who is eligible and how they can be able to take advantage of this service.

This article explains how to claim MTN Ayo insurance in Ghana without experiencing any difficulty or stress in the process.

Overview of MTN Ayo

MTN is a telecommunication company that has partnered with the National Insurance Board to offer a new health and wellness program called MTN Ayo.

The program is aimed at helping people live healthier and more productive lives by providing various services such as medical insurance, hospital care, life insurance, and other healthcare services.


To be eligible for the MTN Ayo insurance program, you must be a citizen of Ghana with an active MTN phone number.

How Ayo insurance is deducted

If you subscribe to Ayo insurance, you will be charged 5% whenever you are sending money to your loved ones from you MoMO balance. It will not be an automatic deduction but rather, you will choose the Send with care method for the deduction.

How to claim your MTN Ayo insurance

MTN Ayo can be claimed in different ways depending on the claim that was submitted. Using the USSD method or making your claim online.

How to make a claim using the USSD method

  1. On your phone, dial *296#
  2. Provide the necessary details in the next popup.
  3. Now, provide the evidence of the claim you are making (death, hospital, property loss, etc.)
  4. The document must be sent via WhatsApp since it can’t be sent through USSD.
  5. The number to send your document is 0555948648.
  6. After providing everything, you wait for your application to be reviewed and if you qualify for a claim, the money will be sent to your MTN MoMo.

How to make a claim online

  1. Visit
  2. On the homepage, locate the three horizontal lines at the left top corner and click on it
  3. Select initiate a claim
  4. Now, select the type of initiate you want. Either for yourself or for a loved one.
  5. After selecting, you then login using your MTN number.
  6. If you don’t have a login detail yet, then you click on no username and pin.
  7. Provide your name and all the needed information to complete your process.
  8. Submit the evidence of the claim you are making (death, hospital, property loss, etc.) in a PDF or image form.
  9. Your application will be reviewed after submission and if you qualify for a claim, the needed money will be disbursed int your MoMo.

Is MTN Ayo real?

Yes. MTN Ayo is real. MTN Ayo is a line of life and non-life insurance products that was established with the aim of giving affordable, quality and tailored protection for individual and families.


At the end of the day, it is important that you have some form of life insurance. This will help your loved ones with finances if you were to pass away unexpectedly.

We all want the comfort of knowing that our family will be taken care of if anything were to happen. So make sure you take advantage of this opportunity and get yourself insured.

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