Star Health and Allied Insurance Company Limited — Investor Meet, 07-05-2025: Analysts/Institutional Investor Meet/Con. Call Updates

Star Health has announced a board meeting to discuss the financial results for the quarter and half-year.

Star Health posted 15% GWP growth in FY25, driven by a 25% rise in fresh retail premium and a 33% retail market share. Fresh retail policies grew 11%, average sum insured increased 10% to ₹16 lakh, while group share dropped to 7% amid high loss ratios (89.8%). Claims ratio rose to 70.7%, and expense ratio improved to 30.4%. Investment income reached ₹1,260 Cr with a 7.7% yield. Management is focusing on digital adoption (8% of business), expanding the agent network to 1 million, cohort-based pricing, and digitized claims. They expect gradual improvement in loss and combined ratios and aim for profitable growth and AI-driven customer experiences in FY26. The outlook is cautiously optimistic, balancing growth with claims challenges.