From small moments,more protection

Buy when you need itFixed transparent pricingClaim support within 48 hours
core micro-insurance products
claim success rate
hours to reply to claim queries
travel insurance from / day
Why YAS

Micro-insurance, built differently

Co-created with partners, activated on demand in the app — fully online from quote to claim.

6+Industry partnerships

Co-created embedded cover with partners

  • Transit
  • E-commerce
  • Payments

We work with KMB, Kwoon Chung, AlipayHK, retail and e-commerce partners to embed cover for commuting, shopping and travel — designing new insurance for new needs, not just selling standard plans.

View case studies
4On-demand app products

On-demand cover, activated in the app

  • GPS real-time cover
  • One-tap start

HYKE, BYKE, RYUN, RYDE and more — micro-insurance you buy when you need it. Purchase in the app, start cover in one tap with GPS for real-time protection — no annual plan required.

3 minTravel quote and buy

Quote to claim, fully online

  • In-app claims
  • 48-hour support

Get travel quotes and buy in 3 minutes; start sport cover in the app; submit claims in the app too. Questions answered by our team within 48 hours.

Strategic partners

Case studies

Partnerships that prove it works

From luxury retail to Greater Bay transit and cross-border payments — embedded insurance opening new possibilities for every industry.

Customer stories

Thank you for trusting YAS

I dropped my AirPods on the bus and thought they were gone. BUS RYDE made the claim straightforward — approved quickly.

Ms. Fong
BUS RYDE · Hong Kong
Verified

With YAS's help I claimed for AirPods lost on the bus. Having the right cover really matters.

Belle
BUS RYDE · Hong Kong
Verified

YAS replied fast and told me exactly what documents to submit. Claim approved — thank you YAS.

Laken
BUS RYDE · Hong Kong
Verified

Brand partners

View all partners
Claims

How we simplify claims

View policies and submit claims in the App. Human support within 48 hours.

Claim in the App

Upload documents and submit claims — no printing forms.

Human support

Email or WhatsApp us — a specialist replies within 48 hours.

Streamlined process

Clear guidance at every step. Results in as few as 3 business days.

FAQ

Common questions

What you need to know about YAS.

YAS puts protection in an app: buy when you need it, GPS real-time cover, plus everyday lifestyle helpers. More flexible than traditional insurance — fair value, faster claims.

Need help choosing?

From small moments, more protection.

Six micro-insurance products — one for your next moment.