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Star Health and Allied Insurance (STARHEALTH) investor relations material
Star Health and Allied Insurance Q2 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 25/26 earnings summary29 Oct, 2025
Executive summary
Achieved 12% year-over-year growth in gross written premium (GWP) to INR 8,809 crore for H1 FY2026, with retail health GWP up 17% to INR 8,332 crore and strong renewal persistency of 98% by value.
Profit after tax for H1 FY2026 at INR 518 crore, up 21% year-over-year, driven by improved underwriting and investment income.
Retail business forms 95% of the total book, with group portfolio reduced to 5%; retail health market share stable at 32-33%.
Digital channel saw 47% year-over-year growth in fresh premium, now contributing 20% of fresh business; agency channel remains strong with 20% growth.
Board approved unaudited standalone financial results for the quarter and half year ended September 30, 2025, with a limited review by joint statutory auditors.
Financial highlights
Combined ratio for H1 FY2026 at 100.3% (vs 102.1% last year); Q2 at 101% (vs 104.8% last year); Q2 standalone at 103.79%.
Net incurred claim ratio for H1 FY2026 at 70.6%, down 30 bps year-over-year; Q2 FY2026 at 71.8%, down 190 bps from Q2 FY2025.
Expense ratio improved to 29.7% from 31.1% in H1 FY2025.
Investment income at INR 752 crore for H1 FY2026, with 8.3% yield.
Solvency ratio at 2.15x as of September 30, 2025, well above regulatory requirements.
Outlook and guidance
Focus remains on disciplined underwriting, digital and agency channel expansion, and fraud analytics.
No price increase planned for GST impact; regular price hikes will address medical inflation.
Results are not indicative of full-year performance due to seasonality; higher claims expected during monsoon, and premium income typically rises at fiscal year-end.
Long-term strategy targets gradual improvement in combined ratio and ROE through 2028.
Continued investment in technology and customer-centric wellness initiatives to drive growth.
What drives combined ratio below 100%?
Is October's 50% fresh growth sustainable?
How is retail book quality structurally improving?
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Next Star Health and Allied Insurance earnings date
Q3 25/2628 Jan, 2026
Next Star Health and Allied Insurance earnings date
Q3 25/2628 Jan, 2026
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