General Insurance company Star Health and Allied Insurance Company announced Q4FY25 & FY25 results Q4FY25 Financial Highlights: Gross premium: Rs 5,13,801 lakh compared to Rs 4,96,832 lakh during Q4FY24. Net premium: Rs 3,79,832 lakh compared to Rs 3,39,533 laakh during Q4FY24. Net profit operating: Rs -8,689 lakh compared to Rs 9,003 lakh during Q4FY24. Net profit non-operating: Rs 51 lakh compared to Rs 14,232 lakh during Q4FY24. FY25 Financial Highlights: The Company reported a Profit After Tax (PAT) of Rs 787 crore (IFRS) for the year. Gross Written Premium (GWP) grew 10% YoY to Rs 16,781 crore in FY25 (under 1/N basis) The expense ratio stood at 30.4%, reflecting continued focus on cost optimization. Due to rising claims incidents and healthcare inflation across the industry, the combined ratio for FY25 stood at 101.1% compared to 97.2% in FY24. The Company disbursed health insurance claims worth over Rs 10,350 crore. The Company increased its agent strength by 11%, ending the year with a network of more than 7.75 lakh agents and branch network of 913 nationwide. Anand Roy, MD & CEO, Star Health and Allied Insurance, said: "At Star Health Insurance, we are proud to have further strengthened our leadership position in retail health insurance business while deepening our presence across India's diverse communities. Retail insurance witnessed robust new business growth and contributes 93% of our total business. By expanding our reach into semi-urban and rural areas and introducing new products that are affordable and address real health needs across life stages, we have continued to put our customers at the heart of everything we do. Looking ahead, we are moving to a fully transformational customer service model. Every customer touchpoint will reflect our belief that health insurance must be personal, inclusive, and future-ready.” Result PDF
Conference Call with Star Health and Allied Insurance Company Management and Analysts on Q4FY25 & Full Year Performance and Outlook. Listen to the full earnings transcript.