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Tune Protect Launched an Online Health Insurance, Critical Safe+

BY Team Loanstreet

Updated 15 Nov 2022

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According to the National Health and Morbidity Survey 2019, data showed that only 22% of the population are insured with personal health insurance (PHI), with 36% of the uninsured population claiming that PHI is not necessary and a staggering 43% of them unable to afford PHI.

With that in mind, Tune Protect Malaysia has launched its first Critical Illness Insurance, Critical Safe+, online Health insurance which covers Advanced Stages of Critical Illnesses with affordable cost, flexible options and a wide range of benefits to create awareness and appeal to the Millennials and Zillennials.

It's designed to help customers cope financially upon diagnosis of critical illnesses while they focus on recovery with peace of mind.  Not only that. Customers can also stack and customise their Health coverage based on their lifestyle needs and budget.

Jubin Mehta, Chief Executive Officer of Tune Protect Malaysia echoed the sentiment:

 “The current Malaysian economic climate is causing financial burnout on the working population. The increasing cost of living and escalating medical costs are not mirrored in the standard of living, where individuals are prone to health issues and illnesses. The rising costs of healthcare facilities and result-oriented working lifestyles imply negligence of health. With Critical Safe+, customers can customise their insurance plan based on their budget and obtain the necessary financial protection against these critical illnesses. Leveraging on digital, we hope to expedite customers' insurance journey and appeal to the Millennials and Zillennials.  

What's covered in this article?

What is Critical Safe+?

Critical Safe+ comes in three different options, which are; Top 2, Top 5, and all 39 critical illnesses with a sum insured from as low as RM30,000 up to RM200,000. Customers can choose any of these three options based on their coverage needs and budget. All three options cover Advanced Stages of critical illnesses with a 100% pay-out upon diagnosis.

For customers who wish to enhance their protection, they can opt for the Top 5 or all 39 critical illnesses options which give them the flexibility to add on Early Stage Cover and Diabetic Care Disease with additional premiums to their main plans. Early Stage Cover pays out 50% of the sum insured upon diagnosis, whilst Diabetic Care Disease consists of an additional sum insured of up to RM50,000. 

Critical Safe+ is made available online through Tune Protect’s website and mobile app, and all purchases online will be eligible for a 15% discount. The claiming procedure is also fast and easy as customers can claim through the same online channels, making the journey hassle-free and convenient. In addition to that, customers can also opt for a monthly premium payment to ease their financial commitment. 

Tune Protect's 3:3:3 commitment

With Tune Protect, customers can buy in 3 minutes, receive a response in 3 hours, and get their claims paid in 3 working days.

In conjunction with the launch of Critical Safe+, the Company is committing to paying an additional 1% of the sum insured if customers DO NOT receive their claims within 3 working days from the approval date. The end-to-end fully digital customer journey further reiterates the lifestyle insurer aspiration as the Group intends to target the digitally savvy Millennials and Zillennials. 

To add, customers who purchase Critical Safe+ will also receive RM50 credit in their e-wallet in a special launch campaign that ends on 30 September 2022.

For the Greater Good

On a sustainability front, Tune Protect pledges to contribute RM6 for every Critical Safe+ policy sold to Yayasan Chow Kit’s children health fund, Madhya’s Gift which was set up by Yayasan Chow Kit to provide healthcare to children from less privileged families who are in need of medical treatment.

For more information or to purchase Critical Safe+, please visit the Company’s website at or download Tune Protect’s mobile app from the Apple App Store or Google Play Store.

*The above article is intended for informational purposes only. Loanstreet accepts no responsibility for loss that may arise from reliance on information contained in the articles.
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About the Author

Team Loanstreet

Run by a professional human-sized team, get resourceful tips & guides from our very own library of financial articles that can help improve your financial lifestyle & make a well-informed money decision. We strive to provide you with the best service in helping you to get the most out of that DUIT!


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