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Investor Relations14 Oct 2025
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Star Health and Allied Insurance (STARHEALTH) investor relations material
Star Health and Allied Insurance Q1 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 25/26 earnings summary30 Jul, 2025
Executive summary
Strategy is anchored on risk-first, customer-centric, digital-first, and ROE-focused pillars, driving sustainable and profitable growth.
Retail health GWP grew 18% YoY to INR 3,667 crores, maintaining a 31% market share and 94% retail portfolio contribution.
Digital channel new business grew 73% YoY, now contributing 20% of new business, with agency base expanding to 789,000 agents and productivity up 13%.
Recognized as India's most sustainable insurance company in 2024 by S&P Global CSA, with enhanced digital transformation and customer wellness initiatives.
Board approved unaudited standalone financial results and appointed Ms. Princey Mehra as Chief Compliance Officer effective September 1, 2025.
Financial highlights
Gross written premium for Q1 FY26 was INR 3,936 crores, up 13% YoY, with PAT at INR 438 crores, a 44% YoY increase.
Combined ratio stood at 99.6% (vs. 99.2% YoY); claims ratio at 69.5% (vs. 68.1% YoY); expense ratio at 30.1%.
Investment income rose to INR 586 crores, with INR 292 crores from mark-to-market gains.
Return on equity (non-annualized) at 4.9% (vs. 3.8% YoY); solvency ratio at 2.22x.
Net profit after tax for the quarter was ₹26,252 lakhs, with basic EPS at ₹4.47.
Outlook and guidance
Continued focus on profitable growth, digital acceleration, and risk-based pricing, with annual repricing to address healthcare cost inflation.
Long-term guidance maintained for FY28, with loss ratio improvements expected over time.
Results are not indicative of full-year performance due to seasonality; higher claims expected during monsoon and higher premium income towards year-end.
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Next Star Health and Allied Insurance earnings date
Q2 25/2629 Oct, 2025
Next Star Health and Allied Insurance earnings date
Q2 25/2629 Oct, 2025
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