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NSE:STARHEALTH

STAR HEALTH & AL INS CO L

Financial Services › Insurance·NIFTY 500NIFTY MIDSMALLCAP 400NIFTY MIDSMALLCAP400 50:50NIFTY SMALLCAP 250+4
₹547.00
at close · 27 Oct 2026
▲ 8.50 (+1.58%)

Latest filings

Next results: Tue, 27 Oct · Financial Results
  1. H1 FY27 profit rises 57% as underwriting turns profitable · Investor Communications
  2. Sthitaprajna Advisors approved for reclassification to public shareholder · Ownership Changes
  3. Financial results for quarter and half year ended September 30, 2026 · Results
All filings ↓
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Snapshot

What the business is, and whether it's a good one at a fair price.

AI · written from filings

Sells retail health insurance in India, collecting premiums from policyholders and earning investment income on insurance reserves. Gross written premium was ₹20,369 cr in FY26 (+16% YoY), with retail health insurance market share at 31.3% that year. Distribution is led by proprietary channels — over 90% of retail business flows through agency and digital direct-to-consumer, supported by 8.5 lakh agents; digital D2C grew fresh business 142% YoY in Q1 FY27. Claims are settled mostly cashless through network hospitals — 9.6 lakh claims in Q1 FY27 at a 91% retail claims ratio, with 80%+ cashless. Claims cost is the largest input; retail loss ratio was 64.8% in Q4 FY26. The combined ratio improved to 97% in Q1 FY27, producing an underwriting profit of ₹111 cr (vs ₹16 cr YoY). Telemedicine (50,000 consultations in Q1 FY27, up from 9,000 a year earlier) and home healthcare are bundled with policies to manage claims cost.

Operating scale
Retail Health Insurance Market Share
31.3%FY26
Gross Written Premium (FY26)
₹20,369 cr (+16% YoY)FY26
Gross Written Premium (Q1 FY27)
₹4,287 cr (+19% YoY)Q1 FY27
Agency Force
8.5 lakh agentsQ1 FY27
Claims Settled (Q1 FY27)
9.6 lakh claims, 80%+ cashlessQ1 FY27
Telemedicine Consultations
50,000 (vs 9,000 YoY)Q1 FY27
Who pays it
Indian retail families and individuals buying health insurance; 93-94% of fresh retail additions in H2 FY26 and 98% in the D2C channel were first-time insurance buyers.
Biggest cost
Insurance claims (retail loss ratio 64.8% in Q4 FY26); combined with operating expense, drove combined ratio of 97% in Q1 FY27.
Kind of business
Retail health insurer with proprietary distribution focus; recently turned underwriting-profitable after a recalibration year.
Where it sits
Held 31.3% share of India's retail health insurance market in FY26.
Market Cap
₹—
P / E (TTM)
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EV / EBITDA
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Div Yield
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Growth
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Revenue 5y CAGR
PAT — · EBITDA —
Quality
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ROCE (FY26)
ROE — · margin —
Leverage
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Debt / Equity · not read for a lender
Moves on a normal day
0.90%·
Median daily move
Last 268 sessions · the yardstick for filing-day moves
Where it sits among 12 Insurance peersBar = share of peers beaten · tick = industry median · latest reported figures
Profit growth#1/12

Scorecard

Measured from the filed financials, judged against its Insurance peers · as of FY26 — not investment advice

Not enough history to assess.

Charts

How has the market priced it — with filings on the timeline?

STARHEALTH · price

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▲ positive · ▼ negative · ● neutral filings · teal = economic event · numbered = multiple that day (click to pick). Times IST.

Peers

How does it stack up on valuation, returns and growth?

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Financials

Quarterly & annual P&L, balance sheet, cash flow, ratios and segments.

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Ownership

Who owns it — and is the promoter stake clean?

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Common questions

Answered from STAR HEALTH & AL INS CO L's filed financials and exchange disclosures

What does STAR HEALTH & AL INS CO L do?

STAR HEALTH & AL INS CO L is a Insurance company listed on NSE and BSE, trading under the symbol STARHEALTH.

Is STAR HEALTH & AL INS CO L profitable?

Yes. Over the trailing twelve months STAR HEALTH & AL INS CO L reported a net profit of ₹557 Cr.

Does STAR HEALTH & AL INS CO L pay a dividend?

Not in the latest reported year — STAR HEALTH & AL INS CO L's dividend payout for FY26 was nil.

How much does the STAR HEALTH & AL INS CO L share price move in a day?

On a typical session STAR HEALTH & AL INS CO L moves 0.90% — that is the median absolute close-to-close move across its last 268 trading days. MarketPing measures each filing's price reaction against it.

When are STAR HEALTH & AL INS CO L's next results?

Financial Results on Tue, 27 Oct. MarketPing alerts you on WhatsApp the moment the filing lands.

Where can I track STAR HEALTH & AL INS CO L's announcements?

Every NSE and BSE filing by STAR HEALTH & AL INS CO L appears on this page, AI-summarised, alongside the price reaction that followed it. Follow the company to get each new filing on WhatsApp within minutes.

Figures are as last reported and may lag the latest filing. Not investment advice.