Protection on every bus ride.

KMB and YAS launched Hong Kong's first bus passenger microinsurance BUS RYDE. Monthly Pass holders get belongings and accidental medical cover for as long as the pass is valid — Hong Kong's first microinsurance embedded in a public transit pass.

Transit · KMB × YAS · BUS RYDE

Policies issued*

Total coverage offered⁺

Successful claims rate

1st

Hong Kong first

*⁺Rounded marketing figures — not live ledger totals. Coverage estimate uses max benefit × policies. As of programme close.

Partners

Underwritten by Generali · YAS digital experience

The gap

Daily commutes had a protection gap.

Traditional insurance rarely covers small losses on bus journeys. KMB and YAS embedded cover into the Monthly Pass — no extra purchase required.

Before YAS

Commute risks uncoveredLost items and on-bus accidents — rarely covered by everyday insurance.
Small losses add upPassengers bore the cost of phones, wallets, and minor medical bills.
Pass and cover disconnectedThe Monthly Pass had no built-in risk buffer.

After YAS

Cover on every rideAutomatic cover on all KMB routes while the Monthly Pass is valid.
Practical limitsUp to HK$2,000 belongings + HK$5,000 accidental medical.
Pass renews, cover renewsCover renews with each Monthly Pass — no extra premium.

Solution

One pass. Continuous cover.

An embedded registration flow so protection follows the Monthly Pass automatically.

Buy a KMB Monthly Pass

Eligible for HKID holders aged 18–70 with a valid Monthly Pass.

Register in 2 steps

Enter your Octopus ID linked to the pass and basic details on the YAS website or app.

Active in 24–48 hours

After confirmation email and policy, KMB journeys are covered for the pass period.

Claim in the app

YAS App → My Coverage → BUS RYDE → File a claim; specialist support within 48 hours.

“KMB hopes to care for passengers in small ways — BUS RYDE helps reduce the impact of lost belongings.”
Leung Cho-tak · KMB Finance Director (July 2021)

Impact on passengers

Life has uneasy days.

BUS RYDE covers practical commute scenarios — lost belongings and accidental injury.

HK$2,000

Personal belongings

Phones, earphones, wallets, etc.; HK$1,000 max per item. Report to Police and KMB within 24 hours for loss claims.

HK$5,000

Accidental medical

Medical costs from bus accidents, e.g. sudden braking or falls (pre-existing conditions excluded).

Passenger stories

Real claim experiences.

Monthly Pass holders on how BUS RYDE helped when they needed it.

I fell asleep on the bus and left my laptop behind. Luckily I'd registered for BUS RYDE and was able to claim it back!

The claiming process was really fast. I lost my wallet on the bus and got approved within 3 days.

I registered because it was free. Later I dropped my AirPods charger on the bus — glad BUS RYDE could cover it.

Just enter your phone and details to register. Claims are quick and convenient — very different from traditional insurance!

Results

Embedded cover, proven at scale.

BUS RYDE was more than a campaign — it validated an embedded microinsurance model with KMB.

HK$7,000

Max cover per passenger

HK$2,000 belongings + HK$5,000 accidental medical.

98%

Successful claims rate

In-app claims with specialist support within 48 hours.

1st

Hong Kong first

First bus passenger microinsurance embedded in a Monthly Pass.

Beyond KMB — the same model extends to TimeCare, Pay-As-You-Sell, and more

Press

Hong Kong's first bus passenger microinsurance

Press release2021-07-28

Hong Kong's first bus microinsurance exclusive to KMB Monthly Pass holders

KMB, YAS Microinsurance and Generali offer BUS RYDE — extra belongings and medical cover on any KMB route for eligible Monthly Pass passengers.

Read press release

Beyond KMB

A world that needs protecting?

Tell us where your users need cover — we'll respond with embedded microinsurance.