Star Health Insurance has filed its earnings call presentation for FY26 with stock exchanges, providing comprehensive details of the company's quarterly and annual performance. The presentation, submitted on April 29, 2026, covers the quarter and financial year ended March 31, 2026.

Regulatory Filing Details

The company submitted the earnings presentation to both BSE Limited (Scrip Code: 543412) and National Stock Exchange of India Limited (Symbol: STARHEALTH) under reference number SHAI/B & S/SE/15/2026-27. The presentation is also hosted on the company's website at www.starhealth.in .

FY26 Financial Performance Highlights

The presentation reveals strong financial performance with Gross Written Premium (GWP) reaching ₹20,369 crores, representing 16% year-on-year growth from ₹17,488 crores in FY25. The company achieved retail fresh GWP of ₹4,567 crores, marking impressive 37% YoY growth from ₹3,335 crores.

Operational Excellence

Star Health demonstrated significant improvement in underwriting performance with Combined Ratio improving by 236 basis points to 98.8% from 101.1%. The company achieved underwriting profit of ₹206 crores compared to a loss of ₹165 crores in the previous year. Normalised Profit After Tax reached ₹1,222 crores, showing 45% YoY growth from ₹840 crores.

Digital Innovation & Customer Growth

The health insurer expanded its digital footprint with over 14 million app downloads, representing 51% YoY growth, and 1.5 million monthly active users, up 50% YoY. Digital channels contributed ₹928 crores in retail fresh GWP, growing 35% from ₹687 crores. The company maintained 99% persistency ratio and improved its Net Promoter Score to 62 from 54.

Corporate Social Responsibility

Through its Arogya Seva Kendra initiative across 9 states, Star Health operated 32 clinics, conducted 45,017 visits, performed 48,567 medical tests, and organized 5,725 health education sessions, targeting outreach to over 1 million lives in underserved districts.

Star Health Insurance has announced strategic growth targets and operational improvements during its recent conference call, outlining plans to enhance profitability and operational efficiency in the coming quarters.

Growth and Return Targets

The health insurance company has set ambitious financial targets for the upcoming period. Management aims to achieve high teens growth while targeting mid to high teens return on equity, reflecting the company's focus on sustainable profitability and shareholder value creation.

Strategic Pricing Initiative

Star Health Insurance plans to implement comprehensive pricing updates across its business portfolio. The company intends to update pricing for 80% of its business by Q1, with management expecting these adjustments to contribute to improved earnings. This strategic pricing initiative represents a significant operational move aimed at optimizing the company's revenue structure.

Operational Improvements

Management has expressed confidence about ongoing improvements in the company's loss ratio, indicating positive trends in claims management and underwriting efficiency. The improved loss ratio suggests better risk assessment and claims processing, which are critical factors for profitability in the health insurance sector.

These strategic initiatives demonstrate Star Health Insurance's commitment to enhancing its market position through targeted pricing strategies and operational improvements, positioning the company for sustained growth in the competitive health insurance landscape.