Star Health Posts Explosive 414% Profit Growth in Q3 FY26..

varahi media.com online news,CHENNAI, January 29th,2026: Star Health and Allied Insurance, India’s leading standalone health insurer, has reported a massive 414% year-on-year (YoY) increase in Profit After Tax (PAT), reaching ₹449 crore for the third quarter ending December 2025.

This surge was primarily driven by robust premium growth, a healthier loss ratio, and significantly improved operating efficiencies under Ind AS accounting.

The company also reported a strong 23% growth in Gross Written Premium (GWP) for the quarter, totaling ₹5,047 crore.

Net Profit: ₹449 crore (Up 414% from ₹87 crore in Q3 FY25).

Gross Written Premium (GWP): ₹5,047 crore (Up 23% YoY).

Retail Health Growth: Fresh retail premiums surged by 60%, pushing retail GWP to ₹4,838 crore.

Combined Ratio: Improved to 98.9% (down from 102.1%), signaling a move into underwriting profitability.

Loss Ratio: Moderated to 68.8%, a significant 301 basis point improvement over the previous year.

9-Month Performance Summary
For the first nine months of FY26, Star Health maintained its market leadership with a 31.3% share in the retail health segment.

9M PAT: ₹966 crore (Up 87% YoY).

Total GWP: ₹13,856 crore (Up 16% YoY).

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Claims Excellence: Settled 1.36 million claims totaling over ₹8,900 crore.

Customer Loyalty: Robust renewal trends with a persistency rate of 99.2%.

Digital Transformation and AI Integration
The insurer’s “Digital First” strategy is yielding substantial results, with 76% of overall premiums now collected through digital channels.

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AI Claims Engine: Now handles 57% of total claims traffic, enhancing processing speed and productivity.

Atom App: Facilitated 85% of new policy acquisitions this quarter.

Customer App: Surpassed 13 million downloads with over 1.5 million monthly active users.

Anand Roy, CEO & Managing Director of Star Health, attributed the performance to disciplined underwriting and technology-led delivery.

“Our actions toward portfolio recalibration and prudent expense management are translating into a stronger operating profile,” said Roy. He further noted that the company’s alignment with Ind AS (IFRS) enhances transparency, preparing the firm for the 2027 industry-wide transition.

Looking ahead, Roy reiterated the company’s commitment to the national goal of “Insurance for All by 2047,” supported by a healthy investment yield of 9.6%.

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