Shop with confidence. Protection included.

YOHO and YAS embedded complimentary gadget protection into the digital shopping journey. Customers who purchase eligible electronics on YOHO can register for free 1-year YAS Care cover — accidental damage, theft and medical expenses included, with no separate insurance purchase.

E-commerce · YOHO × YAS Care

Embedded

e-commerce cover

Max cover per item

Complimentary protection

⁺Cover subject to terms and conditions. Figures as of July 2026.

Partners

Underwritten by Generali · Digital experience by YAS

The gap

Gadgets are expensive — protection is always an extra step.

Traditional insurance sits apart from e-commerce checkout. YOHO and YAS embedded complimentary cover directly into the purchase and registration journey.

Before YAS

Customers buy cover separatelyShoppers purchasing phones, laptops or appliances often arrange device insurance on their own.
Protection disconnected from checkoutSeparate purchase and activation steps add friction and lower uptake.
High-value items left unprotectedExpensive electronics and home appliances rarely come with instant, bundled cover.

After YAS

Cover bundled with eligible YOHO purchasesSelected electronics and gadgets on YOHO come with complimentary YAS Care protection.
Simple registration within 7 daysCustomers register once via email — future eligible purchases within 6 months are covered automatically.
End-to-end digital journeyPurchase, registration, policy issuance and claims guidance all happen online — no paperwork.

Solution

Three steps. Protection on purchase.

Embedded gadget insurance follows the YOHO shopping and YAS Care registration journey.

Buy eligible items on YOHO

Purchase selected electronics and gadgets — smartphones, tablets, TVs, appliances and more — with YAS Care included.

Register within 7 days

Complete a simple email registration within 7 days of purchase. Register once and enjoy cover on future eligible YOHO purchases for 6 months.

Policy issued digitally

YAS generates your policy and sends confirmation by email and SMS — protection activates for 1 year from purchase.

“With your qualifying YOHO purchase, YAS Care brings extra peace of mind to everyday shopping — complimentary protection embedded right where customers already buy.”
YAS Digital Limited · YAS Care × YOHO Partnership

Coverage

Gadget protection — three core benefits.

Complimentary YAS Care cover for eligible YOHO purchases includes accidental damage, theft and accidental medical expenses.

HK$10,000

Accidental damage

Repair or replacement up to original purchase price, capped at HK$10,000. 20% deductible applies.

HK$10,000

Theft

Replacement up to original purchase price, capped at HK$10,000. 35% deductible applies.

Included

Accidental medical expenses

Medical expenses arising from accidents involving your purchased item, subject to policy terms and conditions.

*Cover is underwritten by Generali Hong Kong and arranged by YAS Digital Limited. YOHO is not an insurance intermediary and does not conduct any insurance-related regulated activities. Terms and conditions apply.

Results

Embedded protection validated at scale.

YOHO and YAS brought friction-free gadget protection to online shoppers across Hong Kong.

Embedded

E-commerce cover

Embedded e-commerce cover delivers complimentary protection for YOHO gadget shoppers.

HK$10K

Max cover per item

Up to HK$10,000 for accidental damage or theft on eligible electronics and appliances.

1 year

Complimentary cover

Free 1-year protection on eligible purchases — register once, shop with confidence.

Beyond YOHO — the same embedded model extends to KMB, AlipayHK, Kwoon Chung and more

Partnership

YOHO × YAS Care launch

Promotion2022-10-19

YOHO × YAS — Free 1-Year YAS Care Protection

Purchase selected electronics and gadgets from YOHO, and get free 1-year YAS Care protection when you register with your email within 7 days.

View promotion

Beyond YOHO

Have a purchase worth protecting?

Tell us where your partnership happens — we'll answer with embedded insurance.