Tune Protect posts Q3 2025 results

Tune Protect reported another period of steady gains, marking its fifth straight profitable quarter and continued improvement in underwriting results. Profit After Tax more than doubled compared to the same period last year, reflecting a stronger travel portfolio and growing contributions from non-insurance income.

Travel remains the company’s biggest growth engine. Premiums from travel insurance climbed more than 30% year over year, and the segment now makes up nearly half of the company’s portfolio—up from just over a third a year ago. Tune Protect also saw a sharp rise in ancillary income and technology fees, which have quadrupled since the start of the year as it leans deeper into travel-adjacent services and embedded offerings.

Improved loss performance in Motor and Fire helped lift underwriting results and lowered the company’s combined ratio. Although investment income dipped slightly and its Thai associate continued to face challenges, Tune Protect still grew profit year over year for the quarter.

The company continued diversifying its business through travel eSIM offerings, concierge services, and expanded regional travel plans. Partnerships with Shopee, AirAsia, and AirArabia also strengthened its footprint in the travel ecosystem.

Tune Protect expects strong momentum heading into the final quarter of the year, supported by peak travel season and rising air traffic across Asia. With Visit Malaysia Year 2026 approaching, the company says it is focused on making protection and convenience easier to access for travelers.