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Southeast Asia’s insurance market is entering a new chapter driven by rising incomes, digital adoption, and changing consumer expectations. As confidence grows in markets like Indonesia and the Philippines, success will depend on uniting relevant products, strong distribution, and enabling technology. A digital-first, human-enabled approach can expand inclusion, build trust, and embed insurance into everyday life.

​​Tesla and Oona Insurance have expanded their partnership to include complimentary one-year comprehensive car insurance coverage for new Tesla Model 3 vehicles in the Philippines. Following the earlier Model Y rollout, the limited-time offer supports the country’s growing electric vehicle market by providing seamless policy activation, digital claims services, and 24/7 roadside assistance for new owners.

The Philippine insurance industry is evolving as digital adoption accelerates and consumer expectations change. In an ANC Business Outlook interview, Oona Founder and Group CEO Abhishek Bhatia shares how a digital-first, human-enabled approach is shaping more accessible, transparent, and dependable insurance. The discussion explores healthcare costs, embedded insurance, and how modern platforms can better meet real-world risks faced by Filipinos.

The Philippine insurance industry is entering a new phase of growth, one shaped by rising incomes, accelerating digital adoption, and evolving everyday risks. As Filipinos become more proactive about protecting their health, finances, and families, expectations around insurance are also changing. People want coverage that is easier to understand, easier to access, and dependable when it matters most.

Oona Insurance Corporation expands access to protection through its partnership with GCash and Fuse Financing Inc. via GLoan Protect. The program automatically provides free loan and health insurance to eligible GLoan borrowers, covering remaining loan balances in the event of death or accident-related disability and offering hospitalization benefits. By embedding insurance into the digital borrowing journey, Oona removes barriers to protection and helps close the insurance gap for more Filipinos.

Oona Insurance introduces Flight Delay Insurance, transforming flight delays into moments of delight for Filipino travelers. Starting September 7, 2023, travelers can instantly access airport lounges during delays with a voucher, purchased paperlessly via Oona’s website or WhatsApp. For just ₱149, the coverage includes up to 4 flights, family add-ons, and accident protection, offering a seamless, affordable travel experience.

Oona Insurance and UnionBank Financial Services (UFSI) have partnered to provide non-life insurance solutions to UnionBank Wealth Management clients. Announced on January 25, 2024, the collaboration gives high net worth clients access to Oona's tailored digital insurance platforms, enhancing financial protection for their assets. This partnership strengthens Oona's industry position and complements UFSI's wealth management services by offering seamless, secure insurance solutions.

GCash and Oona Insurance Philippines have partnered to offer Smart Flight Delay Insurance through the GCash app’s GInsure Marketplace. Signed by GCash's Winsely Bangit and Oona Insurance CEO Abhishek Bhatia, this agreement enables Filipino travelers to access airport lounges for delays of 60 minutes or more. The insurance, bookable just two hours before a flight, aims to alleviate stress caused by delays, especially as travel increases during the summer season. With over 81 million users, GCash makes insurance accessible, while Oona Insurance plans to introduce more travel-related products in the future.

Oona Insurance, a leading digital insurer, has launched its first Critical Illness product in the Philippines, marking its entry into the local retail health insurance sector. This product offers affordable, easily accessible coverage for major health concerns—cancer, heart attack, and stroke. Designed to ease financial burdens, Oona’s Critical Illness insurance provides a cash payout upon diagnosis. Customers can purchase the product online or through agents, with flexible coverage from PHP 100,000 to PHP 500,000 starting at PHP 145 per year.

Palawan Group of Companies has partnered with Oona Philippines to offer affordable Compulsory Third-Party Liability (CTPL) insurance through Palawan branches nationwide. The product, MyCTPL ProtekTODO, provides flexible plans ranging from ₱290 to ₱1,500 depending on vehicle type, with claims coverage up to ₱200,000. With over 3,500 locations, this partnership ensures accessible, budget-friendly insurance for Filipinos, meeting vehicle registration needs and enhancing financial protection.

Oona Insurance is accelerating its Southeast Asia expansion, preparing to enter Thailand and Vietnam as rising incomes fuel demand for digital, affordable protection. Already profitable in Indonesia, Oona continues to roll out tech-driven micro-insurance and modular health plans. With a young, digital-first population and evolving regulations, the region offers strong growth potential amid increasing industry consolidation.