aYo Ghana has once again demonstrated its leadership in digital microinsurance after sweeping four top honours at the 7th National Technology and Communications Awards (NTCA).

The company won Mobile Insurance Innovation of the Year, Innovative Digital Insurance Platform of the Year, and Customer Experience Champion of the Year, while its Chief Executive Officer, Francis Gota, was adjudged InsurTech CEO of the Year.

These recognitions cap off a landmark year for aYo Ghana, which has insured over 8.5 million lives across the country and paid more than GH¢35 million in claims, reaffirming its commitment to delivering real value and protection to Ghanaians.

Driving Impact Through Simple, Relevant Digital Products

aYo Ghana’s flagship offerings, Recharge with Care, Family Cover, Annual Cover, MedCover, Pay & Drive motor insurance, and other embedded microinsurance solutions, have become the backbone of its inclusive insurance strategy.

“These products offer a blend of life, hospital, accident, and business protection, structured specifically for mass-market customers who require flexible and low-commitment coverage,” the company said in a statement.

The company’s growing contribution to insurance penetration is driven by its ability to simplify processes such as policy enrollment, renewals, and claims through mobile channels, ensuring that customers can sign up and stay protected without paperwork or complex procedures.

Built for the Customer: Strong Touchpoints Across Ghana

aYo’s ability to serve millions is anchored in its broad and customer-friendly network of touchpoints, including:

• USSD codes (*296#) for instant registration and claims initiation,
• MTN Mobile Money integrations enabling seamless premium payments,
• A multilingual call centre and interactive voice response (dial 296) offering personalised customer support,
• Social media, including WhatsApp (+233596918235) and digital chat channels for fast, convenient engagement,
• Nationwide agents who engage directly with customers in rural and peri-urban areas,
• Partner-based activations, especially within MTN service centres, to enhance accessibility.

This omnichannel model, the company said, ensures that customers, regardless of location or level of digital literacy, can interact with aYo in the way that suits them best.

Customer Experience Excellence, Backed by Results

According to the company, the Customer Experience Champion of the Year award reflects its deliberate investment in service excellence, noting that over the past year, aYo Ghana has implemented several initiatives aimed at improving trust, clarity, and convenience for policyholders. These include:

• Proactive customer education campaigns, ensuring subscribers fully understand benefits, premiums, and exclusions
• Faster, simplified claims processing, with many claims settled within 5 working days
• Transparent claims tracking via SMS updates
• Digital policy statements and reminder notifications for clarity and transparency
• Enhanced customer feedback systems, enabling continuous improvement based on real insights

“Through these interventions, aYo Ghana has significantly boosted customer satisfaction, reduced pain points, and strengthened confidence in mobile insurance,” the statement said.

Leadership Driving Innovation

Receiving the InsurTech CEO of the Year award, aYo Ghana’s CEO, Francis Gota, expressed gratitude to customers, partners, and staff for their continued trust and collaboration. He reaffirmed the company’s mission of driving inclusive, technology-enabled insurance for every Ghanaian.

“These awards reflect our collective commitment to innovation, customer trust, and digital transformation,” he said. “We will continue to build relevant products, invest in our digital channels, and ensure that every Ghanaian, regardless of income or location, has access to meaningful protection.”

A Model for Africa

With these four awards, aYo Ghana strengthens its position as one of Africa’s leading InsurTech brands. The company’s digital distribution model, anchored on mobile technology, inclusive products, and customer-first service, continues to serve as a benchmark for the industry and a blueprint for insurance transformation across the continent.