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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Star Health and Allied Insurance Company
Star Health and Allied Insurance Company (STARHEALTH) investor relations material
Star Health and Allied Insurance Company Q2 26/27 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 26/27 earnings summary28 Oct, 2026
Executive summary
Underwriting improvement continued for a fifth consecutive quarter; Q2 and H1 FY27 returned underwriting profits and reported PAT rose YoY.
Strategy emphasizes disciplined risk selection, proprietary distribution, digital engagement, pricing, fraud controls and wellness initiatives.
Financial highlights
Q2 GWP rose 19% YoY to INR 5,275 crore; H1 GWP reached ₹9,56,209 lakh, up 19.09%. Retail fresh GWP grew 35% in Q2 and 36% in H1 to ₹1,630 crore.
Insurance revenue was ₹5,07,377 lakh in Q2 versus ₹4,39,578 lakh; H1 revenue was ₹9,93,038 lakh versus ₹8,64,085 lakh.
Underwriting profit was INR 99 crore in Q2 versus a INR 40 crore loss, and INR 210 crore in H1 versus a INR 24 crore loss.
PAT was ₹26,481 lakh in Q2 versus ₹7,958 lakh and ₹81,454 lakh in H1 versus ₹51,776 lakh; H1 PBT rose 56% to ₹1,093 crore.
Normalized PAT at an 8% investment yield rose 70% to INR 390 crore in Q2 and 56% to INR 775 crore in H1; H1 investment income increased 21% to ₹911 crore.
Outlook and guidance
Fresh business growth ambition is 20%+ over the long term; management hopes to sustain that rate in FY27 as headline growth moderates against the GST-led base.
Targets include improving combined ratio and ROE over time, with ROE ambition moving from mid-teens toward high teens; loss cost held at mid-single-digit levels.
Pricing remains tied to portfolio performance; products may be repriced where loss ratios require, and expense plans will align with final EOM rules.
Technology priorities include automation across sales, servicing, claims and underwriting, supported by proprietary data and AI/ML analytics.
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Latest events from Star Health and Allied Insurance Company
- Market growth could not offset the sharp fall in government premium; losses narrowed.STARHEALTH
Q4 12/13 - Premiums grew 35%, but the FY2014-15 net loss widened to ₹14,005 lakh.STARHEALTHQ4 14/15
- Premium growth and narrower losses supported a positive outlook focused on market business.STARHEALTHQ4 13/14
- Premium growth and a profit turnaround came with a material URR adjustment and expense-limit overrun.STARHEALTHQ4 15/16
- Premium growth accelerated, but profit and underwriting contribution weakened.STARHEALTHQ4 16/17
- Gross premium rose to Rs 416,111 lakh as FY18 PAT reached Rs 17,015 lakh.STARHEALTHQ4 17/18
- Premium growth and stronger underwriting lifted FY19 profit; solvency stood at 2.1.STARHEALTHQ4 18/19
- Premium growth and higher profit came alongside rising claims ratios and pandemic uncertainty.STARHEALTHQ4 19/20
- Premiums grew 37%, but reserve changes and claims drove a ₹1,085.71 crore loss.STARHEALTHQ4 20/21
Next Star Health and Allied Insurance Company earnings date
Q3 26/2728 Jan, 2027
Star Health and Allied Insurance Company
Next Star Health and Allied Insurance Company earnings date
Q3 26/2728 Jan, 2027
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