Now you can enjoy life’s adventures with added confidence. With simple, affordable and on-demand insurance protection plans that help you quickly get back on your feet after any inconveniences. We make it easy for you to understand what you need, get only what you need, when you need it the most. With just a few clicks, you can now protect yourself and all that you love the most.


At Tune Protect, we believe that everyone deserves to be protected. We aim to provide our customers with the added confidence to enjoy life’s adventures, knowing that they and the ones they love the most are well protected.

Since our inception in 2011, we are committed to delivering an excellent customer experience through our understanding of our customers who are increasingly looking for simplicity and convenience when it comes to insurance coverage. Our straightforward and affordable protection products are all easily accessible through the convenience of digital channels.

We offer a range of tailored non-life insurance coverage products that are relevant to the needs of our customers in today’s world that include protection for travel, accidents, theft or unforeseen calamities, among others. We make our products simple and straight-to-the-point so that our customers can pick and choose the right plans for them, when they need it the most. And most importantly, we make it easier for our customers to understand what they get, and simplify the process to get it. They can now apply and claim for protection through our user-friendly digital channels, anytime, anywhere.

Through our strategy of simplifying and creating a more efficient means of access and engagement through digital channels, we are able to provide our customers products and services that are fully relevant to their needs. We remain committed to be there for our customers, our employees, our partners and our stakeholders for the long-term.



Tune Ins Holdings Berhad rebranded to Tune Protect Group Berhad


Acquired 49% equity interest in an associate company in Thailand - Tune Insurance Public Company Limited (“TIPCL”).


Entered the Middle East with a Joint Venture Agreement with Cozmo Travel LLC (“Cozmo Travel”) and set-up Tune Protect Commercial Brokerage LLC (“TPCB”)


TIH was listed on the main market of Bursa Malaysia with a market capital of RM1 billion.


Tune Insurance brand was launched


TIH acquired Oriental Capital Assurance Berhad (OCA). OCA was renamed Tune Insurance Malaysia Berhad (TIMB) on 21 September 2012.


TIH acquired TIL, TMGR and TMLR from TMSB to consolidate insurance business.


TIH was converted to a public company and assumed present name of Tune Ins Holdings Berhad.


Incorporation of Tune Ins Holdings Sdn Bhd (TIH) as a private limited company.


Tune Money Life Re Ltd (TMLR) was incorporated as a wholly owned subsidiary of Tune Money Sdn Bhd (TMSB) and in June 2011, obtained license to carry on Labuan life reinsurance business.


Tune Money GenRe Ltd (TMGR) was incorporated as a wholly owned subsidiary of Tune Money Sdn Bhd (TMSB) and in May 2011, obtained license to carry on Labuan general reinsurance business.


Tune Insurance (Labuan) Ltd. (TIL) was incorporated and in April was licensed to operate as an offshore captive insurer in Labuan.


Mohamed Khadar
Dato’ Mohamed Khadar Bin Merican
Independent Non-Executive Director
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Aireen Omar
Aireen Omar
Non-Executive Director
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Tan Ming-Li
Tan Ming-Li
Non-Executive Director
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Rashdi Chazalli
Mohamed Rashdi bin Mohamed Ghazalli
Senior Independent
Non-Executive Director
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Kelvin Desmond Malayapillay
Non-Executive Director
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Dr Grace Lee Hwee Ling
Non-Executive Director
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Rohit Chandrasekharan Nambiar

Group Chief Executive Officer

Rohit Chandrasekharan Nambiar (“Rohit”) joined the Company on 14 October 2020. In his role as the Group Chief Executive Officer, Rohit is responsible for steering Tune Protect on its journey of digital transformation aimed at positioning the Group as the lifestyle insurer that everyone loves within ASEAN and the Middle East. Rohit is also a Director of Tune Protect Malaysia.

His focus will be on strengthening the company’s reach in the retail consumer space - driving innovation in product ideas and digital solutions, enhancing customer experience by focusing on ease and convenience, and growing the affinity, B2C and B2B2C distribution platforms leveraging big data and technology. All with the aim of making insurance easy and appealing for our preferred customer segments.

Rohit began his career as an Analyst with AXA in India. He has experience working across various departments and has held senior positions in both local and regional capacities within Malaysia, Singapore, Hong Kong, and India. With his track record of success spanning 18 years in the Insurance Industry, Rohit is passionate about fintech, innovation and making insurance simple. He has won numerous awards and accolades in his illustrious career including that of Young Leader of the Year 2019 in the 23rd Asia Insurance Industry Awards 2019. In his free time, Rohit enjoys blogging about everything insurance and a spectrum of other insightful topics such as economics, politics, social issues, and sports.

He is a graduate from the Bharathiar University, India with a Bachelor of Commerce, and a Fellow Member of the Malaysian Insurance Institute (FMII).

How Kim Lian

Group Chief Financial Officer

How Kim Lian (“How”) joined the Company on 4 May 2020 as the Group Chief Financial Officer with an expanded role to oversee Strategy & Insights, Legal and Corporate Secretarial portfolios. As the Group Chief Financial Officer, he is responsible to review and establish key financial strategies in aligning to the Company’s Corporate Strategy by evaluating financial operational trends, measurements and productivity levels, aside to looking at acquisition and expansion prospects, identifying areas for improvement and accumulating capital to fund expansion.

How is also a Director in Tune Protect Re Ltd., Tune Direct Ltd., White Label and Tune Protect Ventures Sdn Bhd. He has over 20 years of senior management experience, including a decade of strategic development and execution planning in Finance Transformation, Programme Management, Enterprise Performance Management, and Investor Relations. Started his career in Arthur Andersen, he transitioned to PricewaterhouseCoopers and most recently as the Group Deputy Chief Financial Officer of AirAsia prior to joining the Company. How is a Member of the Australian Society of CPAs (ASCPA), Malaysian Institute of Accountants (MIA), the Institute of Internal Auditors (IIA) and a Certified Internal Auditor (CIA).

Prasanta Roy

Group Chief Technology Officer

Prasanta Roy (“Prasanta”) joined the Company on 29 April 2020 and he is currently the Group Chief Technology Officer. He is responsible to conceptualise and implement the digital vision and strategy with the aim of realising a winning business model and creating exceptional customer experience, while driving organizational growth, performance, and profitability for all lines of businesses across the Group. He has over 20 years of experience in leveraging technology to drive organisational growth and expanding business impact in the era of digitisation, holding various leadership roles in Information Technology (“IT”) Strategy & Architecture and IT Transformation spanning across companies in Malaysia, Africa, India, North and Latin America.

Prior to joining the Company, Prasanta was most recently attached to Axiata as the Vice President & Group Head IT Strategy and Architecture. His expansive experience included stints in Ericsson, Vodafone, Idea Cellular and Ushacommunications Technologies. Prasanta is a graduate of the Manipal University, India with a Master’s in Business Administration in Information Technology.

Janet Chin

Chief Partnership Officer

Janet Chin Yoke Heng (“Janet”) joined the Company on 1 March 2021. In her role as the Chief Partnership Officer, Janet is responsible to drive the growth of regional partnerships across the Group with a focus on lifestyle and digital. This includes identifying new partnership opportunities, managing key business accounts, brand & digital marketing, e-commerce, and corporate social responsibility (CSR) initiatives. She has over 24 years of experience in various local and multinational financial services institutions that include Standard Chartered Bank, Kenanga Unit Trust Berhad, Great Eastern Life, and AXA AFFIN Life.

Janet’s portfolio spans across key roles in branch banking, wealth management, group insurance, bancassurance, partnerships, telemarketing, and digital business. Prior to joining the Company, Janet most recently held the role as the Chief Partnership Officer of AXA AFFIN Life. Janet is a graduate of Bachelor of Business from the University of Southern Queensland and a Master’s in Business Administration from the Charles Sturt University, Australia. She also holds various professional certifications in insurance, capital markets, credit, and unit trusts from local and international institutions.

Yap Hsu Yi

Chief - People & Culture

Yap Hsu Yi (“Hsu Yi”) joined the Company on 4 May 2016 and she is currently Chief – People and Culture where she is responsible for defining and leading the people strategy to create a distinctive culture that separates the Group from industry peers, while delivering high impact solutions for people and organisation. An experienced Human Resource (“HR”) professional, Hsu Yi has over 20 years of experience collectively in consulting and operations, both in a local and regional capacity.

Having started out specializing in corporate and personal tax, she advanced to various HR engagements in the areas of talent acquisition, compensation & benefits, performance management, change management, employee engagement, culture, and talent management. For her, HR is about People behind the Business and she is passionate about helping people thrive. Prior to joining the Company, she has worked in various industries, including companies such as Arthur Andersen, PwC, Mercer Consulting, Telenor and PepsiCo. Graduated from the Monash University, Australia with a bachelor’s degree in Commerce majoring in Accounting and Finance, she has won awards for outstanding achievements in human resources.

Mohd Yusof Hafiz Mohamad

Chief Risk & Compliance Officer

Mohd Yusof Hafiz Mohamad (“Yusof”) joined the Company on 1 March 2019 and is currently the Chief Risk & Compliance Officer with a direct oversight of the Group’s and its Overseas Ventures’ control functions comprising Risk Management, and Compliance. Yusof is responsible to set a solid governance foundation across the Group, managing it cohesively with a focus on consumer experience. He is also a Director of Tune Direct Ltd., and Tune Protect Thailand.

Yusof spent 6 years with the Insurance & Takaful Supervision team of Bank Negara Malaysia working on various projects and review works including the implementation of Risk Based Capital and risk assessment of Investment activities. He is also exposed to compliance, data science consultancy, and capital and credit risk management roles. Prior to joining the Company, he was a Consultant for Tune Protect Malaysia from September 2018.

He is a graduate in Bachelor of Science in Actuarial Science (Hons.) from the London School of Economics, UK.

Jubin Mehta

Chief Executive Officer,
Tune Protect Malaysia

Jubin Mehta (“Jubin”) joined the Group on 5 May 2022 as the Chief Executive Officer of Tune Protect Malaysia, the general insurance arm of the Group. In this role, Jubin brings with him a broad and extensive technical and leadership experience in the Financial Services and Technology space to transform Tune Protect Malaysia into a progressive organisation moving forward. He also leads the Small, Medium Enterprise (“SME”) solution developments across the Group.

Jubin has more than 18 years of experience under his belt, most of which was in the banking industry particularly in India, Vietnam, and Malaysia. His experience in the last 5 years has been in the Financial Technology field notably bootstrapping an innovative data analytics company and Consulting with Axiata Digital and Courts Mammoth for projects in the digital lending space.

Jubin has worked with Standard Chartered Bank and HDFC Bank in the past. He has extensive banking experience in Ecosystem banking, Supply Chain Financing, Cross-border Trade, SME banking and Digital Lending.

Jubin holds a Bachelor of Commerce from Delhi University and a Master’s in Business Administration (Marketing major) from the Management Development Institute of India.

Normah Baharom

Chief Executive Officer,
Tune Protect Re

Normah Baharom (“Normah”) joined the Group on 25 March 2020 and is currently the Chief Executive Officer of Tune Protect Re. She is responsible for the overall business and operations of the general reinsurance arm of the Group, involving the development of strategies and plans, product development, and working alongside key stakeholders including insurance partners globally, to drive the sales and revenue across retail health, travel, and lifestyle businesses. Normah also leads the Lifestyle solution developments across the Group.

With more than 25 years of experience in the insurance industry, Normah had served in local and international markets in multinational insurance companies such as Oman Insurance Company, American International Group Malaysia and AIG Regional Office in Dubai. Normah’s portfolio spans across key roles in Distribution, Underwriting, Operations, Business Transformation, Audit, Risk Management, Portfolio Management and Analysis. She has worked in Malaysia, the UAE and the USA.

She holds a Master of Business Administration and a Master of Finance, both from Saint Louis University, Missouri USA.

Ben Assanasen

Chief Executive Officer,
Tune Protect Thailand

Ben Assanasen (“Ben”) joined Tune Protect Thailand in April 2020 as the Chief Executive Officer. Ben’s key focus is to drive growth in the retail business across existing as well as new affinity and digital-led distribution channels, taking Tune Protect Thailand to the next level. In his role in the Thai general insurance company, Ben drives process and operational improvement/automation aimed at increasing efficiency and enhancing the customer experience.

Ben also leads the Health solutions development across the Group. Ben brings with him a wealth of experience that spans over two decades - encompassing general management as well as hands-on operational roles covering a broad range of functions. He has an impressive track record in managing businesses in South East Asia and has deep knowledge of the Thai market. Ben holds a Bachelor of Science degree majoring in Operational Research & Industrial Engineering and a Master’s in Engineering and Business Administration, both from the Cornell University in New York.

Arijit Munshi

Chief Executive Officer,
Tune Protect EMEIA

Arijit Munshi (“Ori”) joined Tune Protect EMEIA on 1 May 2014. In his role as the Chief Executive Officer, Ori is responsible in identifying new areas of growth, revenue opportunities and customer acquisition within the Europe, Middle East, India & Africa (EMEIA) region focusing in providing digital Travel solutions to the Travel and Aviation industry. Ori and his team manage relationships in providing digital solution with regards to ancillary products across EMEIA region.

With his vast experience within travel, digital and hospitality sector, Ori is now responsible for leading the Travel segment as well as ancillary services related to travel across the Group. He has over 20 years’ experience within the various pillars of the travel and aviation industry which include Air Travel, Travel Management, Travel Technology and Hospitality. He holds a bachelor’s degree in Commerce from the University of Mumbai and has an MBA specialising in eCommerce.

Koot Chiew Ling

Principal Officer,
Tune Protect Ventures

Koot Chiew Ling (“Chiew Ling”) joined the Company on 10 February 2014 and she is currently the Principal Officer of Tune Protect Ventures, a wholly-owned subsidiary of the Company. In this new set up, her immediate responsibility is to build and lead the team in serving the unserved and underserved community, while transforming insurance, digitally. Chiew Ling has been an instrumental figure in the leadership team. Prior to assuming this role, she led Investor Relations, Communications, Sustainability and Strategic Projects for the Group.

With more than 20 years of experience in business development, product development, project management, corporate planning, investor relations, and communications, she had served in local and regional capacities in major financial services institutions such as AIG, Etiqa and CIMB.

Chiew Ling is a graduate of Curtin University of Technology, Australia with a bachelor’s degree in Commerce, is a certified ScrumMaster and certified Integrated Reporting Practitioner by the International Integrated Reporting Council.


Shareholdings as at 31st December 2022

Tune Protect

  1. Shareholders / Founders: Tan Sri Dr. Anthony Francis Fernandes (50%) and Datuk Kamarudin Bin Meranun (50%)



To be the lifestyle insurer that everyone LOVES


These are the values that guide us in everything we do within the workplace. Whether it's in the way we communicate, the way we ideate and brainstorm ideas, or in the way we create products and processes.

Make It Simple

We make things easy and uncomplicated.

Be Customer Obsessed

We listen to customers’ needs and find a solution.

Better Together

We work to win as one cohesive team.

Be Curious & Bold

We continuously learn, test and explore. We know when to take risks and be empowered.

Our Playbook

Way of Work @Tune Protect

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Tune Protect has high expectations of its leaders and employees. Everyone has a role to play in ensuring our culture allows employees to derive work satisfaction, have fun on the job and enhance the effectiveness of the organization.


We treat everyone equally We are always looking for ways to make it<br/>better. We have fun and can laugh at ourselves and with others. We don’t give up till we win.
We put some love in everything. We smile and greet when we meet. We meet, discuss and solve problems. WE ARE