Avo Hub invite code 6F3952891A: bag bonus points on your first Avo policy
Tap our link to join Avo Hub, the free members' club of Hong Kong virtual insurer Avo, with invite code 6F3952891A, and you'll pick up bonus points on your first Avo insurance purchase. Avo keeps the number under wraps, and the points only work on Avo eMall, not as cash.
Read our full assessment →Quick answer
Use code 6F3952891A for the Avo offer. New eligible customers can get Bonus points after meeting the requirement: Free to join; the bonus points land after your first Avo insurance purchase, and Avo doesn't list a minimum premium. Last verified 2026-11-03.
- Reward
- Bonus points
- Referral code
6F3952891A- Last verified
- 2026-11-03
- Difficulty
- Medium
- Time to claim
- About 5 minutes to sign up, plus your first policy
- Time to payout
- Premium points land the day you pay; Avo doesn't say when the referral points arrive, so peek at Avo Rewards after your first purchase
6F3952891AAd / referral links — we may earn a bonus when you sign up.
How to claim
- Tap our invite link, pop your email into Avo's sign-up page and hit Continue.
- On the next screen, add a nickname, your birth month and a password. The "Referral code (if any)" box already says 6F3952891A; if it's blank, type it in. Tick the terms, submit, then punch in the one-time password Avo emails you. You need to be 18+.
- Inside Avo Hub, head to Settings > Account overview and add your real name exactly as on your HKID or passport, so the system can match your policies.
- Stay signed in and buy your first Avo policy on heyavo.com: travel, home, helper, outpatient, Northbound medical, take your pick. Buy straight from Avo, because some third-party platforms earn zero points.
- The points for the premium itself drop in on the day you pay: 2 points per HK$10 of net premium at Green.
- Look in Avo Rewards for the referral points, tagged "Member Task – Referral". Nothing there? Call 3572 8222 or email [email protected] with your sign-up email and policy number.
Eligibility & requirements
- New Avo Hub members only. The code only goes in on the sign-up form, so you can't tack it on to an existing account.
- Just signing up earns no referral points; they only come after your first Avo insurance purchase.
- Avo doesn't say how many referral points you get or when; whatever Avo Hub shows is what counts.
- You must be 18+ and sign up with the name on your HKID or passport. Most Avo policies also want an HKID holder, and travel cover only works for trips that start and end in Hong Kong.
- Policies from some third-party platforms earn no points, so sign in and buy on heyavo.com.
- Get a refund on a policy and the points from it get clawed back. Single-trip travel, IVF and cosmetic-treatment travel policies are non-refundable once issued.
- Points aren't cash and can't be passed on. Each batch expires on the last day of the 12th calendar month after you earn it, and cancelling your membership wipes them.
- Avo can change how many points anything earns whenever it likes, and it has the final say on disputes.
Verification notes
- Minimum spend/deposit
- Free to join; the bonus points land after your first Avo insurance purchase, and Avo doesn't list a minimum premium
- Last verified
- 3 November 2026
Provider terms can change without warning. Treat this as a verification snapshot and confirm the live terms before applying.
Pros
- Joining's free, and your first policy earns regular points too: 2 per HK$10 of premium at Green, up to 12 at Diamond.
- Swap points for Avo's own cover gift cards at 10 points per HK$1 (790 points gets the HK$79 eWallet Protection card), or for eSIMs and merch on Avo eMall.
- Spend HK$1,000+ in premium on your first purchase and you jump to Silver, which lists 300 extra points plus four cover gift cards as a first-upgrade reward.
- Avo Hub's Policy Shelf keeps your Avo and other insurers' policies in one place, and you can track claims there too.
- Avo covers stuff you rarely see sold online, like IVF and cosmetic-treatment travel cover and Northbound medical.
Watch out for
- Avo doesn't publish the referral points, so you won't know what the bonus is worth until it lands.
- A point is worth roughly HK$0.08 to HK$0.10, and you can only spend it on Avo eMall.
- You have to actually buy insurance, so only go for cover you'd want anyway.
- Points expire after 12 months, and vanish if you cancel your membership or get a policy refunded.
- There's no Avo app: Avo Hub, buying and claims all happen on heyavo.com in your browser.
FAQ
- How do I get the bonus points?
- Sign up through our link with 6F3952891A, then buy your first Avo policy while signed in. The referral points show up in Avo Rewards.
- Will the link fill in the code for me?
- Yep. Once you've entered your email and hit Continue, the second screen shows 6F3952891A in the "Referral code (if any)" box. Give it a glance before you hit submit.
- I've already got an Avo Hub account. Can I add the code now?
- Sorry, no. The code box only appears on the sign-up form, and the bonus is for new members.
- How many points, and what are they worth?
- Avo doesn't say. For a feel of the value, Avo's cover gift cards on Avo eMall cost 10 points per HK$1, and eSIMs work out at about HK$0.08 a point.
- I've bought from Avo before. Do I still count?
- The bonus hinges on the referred member's first Avo insurance purchase, and Avo doesn't spell out how older policies are treated. If you've had one, check with customer service before you buy.
- What if I cancel the policy?
- If you get the premium back, the points from that policy are deducted. Single-trip travel, IVF and cosmetic-treatment travel policies aren't refundable once issued, so lock in your dates and cover first.
- When do the points expire?
- Each batch lasts until the last day of the 12th calendar month after you earn it. Avo Rewards shows your balance and what's about to expire.
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