Tune Protect Thailand

What Tune Protect Thailand does

Tune Protect Thailand, legally Tune Protect Insurance Public Company Limited (บริษัท ทูน โพรเทค ประกันภัย จำกัด (มหาชน)), is a Thailand-incorporated insurance carrier and operating subsidiary of Tune Protect Group. The company markets itself under the 'Insurance Simplified' positioning and distributes 14+ insurance products across two segments: personal lines (travel insurance under the TuneTravel brand, income compensation, health and critical illness, personal accident, home under myHomeSmart, and auto) and commercial lines (construction all-risk, machinery, industrial all-risk, public liability, business interruption, marine and logistics, and fire).

The company operates a digital-first distribution model centered on its self-serve online platform (online.tuneprotect.co.th), which delivers a four-step purchase flow (select type, compare and choose plan, enter personal details, confirm payment). Supporting platform components include Tune Care for claims handling, Tune Connect (a web app for policy management), and Lounge Pass (a benefit service offering lounge access). Beyond the direct channel, Tune Protect Thailand distributes travel insurance through an AirAsia channel partnership and maintains a physical service partner network spanning hospitals (for cashless treatment), authorized garages, service centers, and auto glass shops to support claims delivery.

Revenue is generated through insurance premiums across personal and commercial lines, with pricing structured by product type, plan tier, and coverage level on a subscription basis, typically billed annually. The primary customer segment is individual Thai consumers purchasing travel, health, accident, home, and motor coverage, with a secondary business segment covering construction, industrial, liability, marine, and fire risks. Marketing is executed through six social platforms (YouTube, Facebook, Instagram, LinkedIn, TikTok, LINE) plus educational content marketing. No revenue, headcount, or premium volume figures are disclosed in the available data.

Name

Tune Protect Thailand

Legal name

Tune Protect Insurance Public Company Limited (ทูนประกันภัย จำกัด (มหาชน))

Website

https://tuneprotect.co.th

Company type

Public

Founded year

2014

Operating status

Operating

Short description

Tune Protect Thailand is a Bangkok-based insurance carrier and subsidiary of Tune Protect Group, offering digital-first travel, health, personal accident, home, motor, and commercial insurance products to Thai consumers and businesses via online self-serve, AirAsia embedded distribution, and partner service networks.

Ownership category

akta.pro rank

Product category

General Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126), Direct Health and Medical Insurance Carriers (524114)

SIC

Fire, Marine & Casualty Insurance (6331), Accident & Health Insurance (6321)

akta.pro primary industry

Motor Vehicle Liability Insurance (FSAJAMAC)

akta.pro secondary industry

Mid-Market Commercial Package (Package Policies) (FSAJAFAB)

Keywords

• Travel insurance
• Personal accident insurance
• Home insurance
• Motor insurance
• Commercial insurance

Headquarters

HQ city

Bangkok

HQ country

Thailand

HQ region

Asia

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Insurance Premiums: Tune Protect Thailand generates revenue through the sale of various insurance products including travel, health, personal accident, home, motor, and business insurance policies. Customers pay premiums for coverage, with different pricing based on plan type and coverage level.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Tune Protect Thailand is a general insurance provider that sells a digital-first portfolio of personal and commercial insurance policies direct to consumers in Thailand. Core offerings span travel insurance (TuneTravel), health and critical illness cover, personal accident, home/fire (myHomeSmart), and auto insurance for individuals, alongside commercial lines including construction all-risk, machinery, industrial all-risk, public liability, business interruption, marine and logistics, and fire insurance for businesses. The company wraps policies with proprietary digital services for claims (Tune Care), policy management (Tune Connect), and benefits (Lounge Pass).

Product overview

Tune Protect Thailand (ทูน ประกันภัย) is an insurance company offering a comprehensive portfolio of products across two main segments: personal insurance and business insurance. The personal insurance lineup includes TuneTravel (travel insurance), Income Compensation Insurance, Health and Critical Illness Insurance, Personal Accident Insurance, Home Insurance (myHomeSmart), and Auto Insurance. The business insurance offerings include Construction All Risk Insurance, Machinery Insurance, All Industry Insurance, Public Liability Insurance, Business Interruption Insurance, Marine and Logistics Insurance, and Fire Insurance. Supporting services include Tune Care (customer service), Tune Connect (policy management web app), and Lounge Pass (promotional benefits). The company markets itself as 'Insurance Simplified' with a digital-first approach allowing customers to purchase and manage policies online through a streamlined four-step process.

Differentiator

Problem solved

Functional benefit

Products and services

• TuneTravel (Travel Insurance) Travel insurance offering international travel coverage with multiple plan options for individuals and families, sold via the Tune Protect Thailand online platform and distributed through the AirAsia channel partnership.
• Income Compensation Insurance (ประกันชดเชยรายได้) Health insurance product designed for salaried employees that provides income compensation when they are hospitalised, supplementing any employer-provided cover that may be incomplete.
• Health and Critical Illness Insurance (ประกันสุขภาพและโรคร้ายแรง) Health insurance covering illness and critical diseases, including dedicated diabetes-related coverage, for individual consumers.
• Personal Accident Insurance (ประกันอุบัติเหตุส่วนบุคคล) Personal accident insurance providing accident coverage for individuals, including child accident insurance options for parents purchasing cover for their children.
• myHomeSmart (Home Insurance) Home insurance covering house and fire protection, marketed for rainy-season preparedness and broader home protection for owner-occupiers.
• Construction All Risk Insurance (ประกันความเสี่ยงภัยทุกชนิดสำหรับงานรับเหมาก่อสร้าง/ติดตั้งเครื่องจักร) All-risk insurance covering construction projects and machinery installation work for contractors.
• Machinery Insurance (ประกันความเสี่ยงภัยทุกชนิดของเครื่องจักรที่ใช้ในงานก่อสร้าง) Insurance covering the risks of machinery used on construction sites and in related work.
• All Industry Insurance (ประกันความเสี่ยงภัยทุกชนิดของอุตสาหกรรม) Comprehensive all-risk insurance policy for industrial operations, covering property and operational risks for businesses.
• Public Liability Insurance (ประกันความรับผิดต่อบุคคลภายนอก) Third-party liability insurance covering legal obligations to external parties arising from the policyholder's business operations.
• Business Interruption Insurance (ประกันธุรกิจหยุดชะงัก) Insurance covering loss of income and ongoing expenses when business operations are interrupted by an insured event.
• Marine and Logistics Insurance (ประกันภัยทางทะเล และขนส่ง) Marine and transportation insurance covering losses and damages during logistics operations, including transit of goods.
• Fire Insurance (ประกันอัคคีภัย) Fire insurance policy covering damage to commercial and residential properties caused by fire.
• Auto Insurance (ประกันภัยรถยนต์) Vehicle insurance covering auto protection for individual policyholders, with a dedicated claim reimbursement flow for personal auto policies.
• Tune Care Claims and customer service platform for Tune Protect Thailand policyholders, supporting evacuation/repatriation and policyholder service requests.
• Tune Connect Web application platform enabling Tune Protect Thailand policyholders to manage policies and access digital services.
• Lounge Pass Promotion service that grants lounge access benefits to Tune Protect Thailand policyholders as part of their cover.

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered minor and core.

• AirAsiaminorChannel Partner/ Reseller/ DistributorAirAsia partnership for travel insurance distribution. Promotional banners on Tune Protect website feature AirAsia bookings combined with TuneTravel insurance deals, indicating a channel partnership for selling travel insurance to AirAsia customers.
• Hospital Network PartnerscoreStrategic or Co-development PartnerNetwork of hospital partners enabling cashless medical treatment and streamlined health insurance claims. Listed as a partner category on the website under the Partners section.
• Garage Network Partners (อู่ในเครือ)coreStrategic or Co-development PartnerNetwork of authorized garages for motor insurance claims and vehicle repair services. Listed as a partner category on the website under the Partners section.
• Service Center PartnerscoreStrategic or Co-development PartnerNetwork of service centers for insurance claims and customer service support. Listed as a partner category on the website under the Partners section.
• Auto Glass Shop Partners (ร้านกระจกในเครือ)minorStrategic or Co-development PartnerNetwork of authorized auto glass shops for glass replacement claims under motor insurance policies. Listed as a partner category on the website under the Partners section.

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Direct peers

• Roojai: Thai insurtech offering digital-first motor and personal insurance products. Direct competitor in the Thai digital insurance space, particularly in auto insurance where Tune Protect Thailand also competes.
• Thaivivat Insurance: Thai multi-line insurer providing P&C and personal accident products with strong digital and partner-led distribution. Competes head-to-head in motor, fire, and personal accident categories within Thailand.
• Bangkok Insurance: Major Thai P&C insurer with deep agent/broker distribution and a long-standing product portfolio across fire, marine, motor, and miscellaneous lines. Direct competitor in the same Thai market with broader traditional distribution.
• Dhipaya Insurance: Thai P&C insurer with broad product coverage across motor, fire, marine, and specialty lines including construction all-risk. Comparable Thai-market competitor with similar multi-line positioning and digital initiatives.
• Muang Thai Insurance: One of Thailand's largest multi-line P&C insurers offering motor, fire, marine, health, and personal accident products through a hybrid digital and agent network. Direct competitor in the same Thai market with overlapping product breadth.
• Tune Protect Malaysia: Sister company under Tune Protect Group offering similar multi-line insurance products (travel, motor, health, personal accident) in Malaysia. Highly comparable operating model, product structure, and parent group affiliation.
• FWD Insurance Thailand: Digital-first insurance operator in Thailand (part of FWD Group) offering consumer-focused products via online channels. Closely comparable as a digital distribution peer targeting Thai consumers.

Broad incumbents

• AXA Thailand: International insurer with established Thai operations across P&C, health, and life. Overlaps with Tune Protect Thailand's product categories but operates as a broader, multi-line incumbent with deeper capital.
• Allianz Ayudhya: International insurer with a Thai joint venture offering P&C, motor, health, and life products. Comparable in product breadth but operates as a larger incumbent with broader agent distribution and balance-sheet scale.
• MSIG Thailand: International P&C insurer operating in Thailand via Mitsui Sumitomo Insurance group. Competes in motor, fire, marine, and specialty commercial lines that overlap with Tune Protect Thailand's commercial segment.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@tuneprotectthailand2058
• Facebookfacebook.com/TuneProtectThailand
• LinkedInlinkedin.com/company/tune-protect-thailand
• Instagraminstagram.com/tuneprotect.thailand
• TikToktiktok.com/@tuneprotectthailand

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Tune Protect Thailand