Star Health and Allied Insurance Co. Ltd. has announced the approval of its unaudited financial results for the quarter and half-year ended September 30, 2025. The board of directors approved these results in a meeting held on October 28, 2025. Key figures include a net profit after tax of ₹5,490 lakhs for the quarter and ₹31,742 lakhs for the half-year.
Financial Performance Highlights
Star Health and Allied Insurance Co. Ltd. reported a gross premium written of ₹4,42,383 lakhs for the quarter ended September 30, 2025, compared to ₹3,60,547 lakhs for the same period last year. For the half-year ended September 30, 2025, the gross premium written was ₹8,02,930 lakhs.
The company’s net written premium was ₹4,23,338 lakhs for the quarter and ₹7,69,078 lakhs for the half-year. The net profit after tax stood at ₹5,490 lakhs for the quarter and ₹31,742 lakhs for the half-year.
Key Financial Ratios
The solvency ratio was reported at 2.15 as of September 30, 2025. The expenses of management ratio was 32.72% for the half-year, while the incurred claim ratio was 70.54%. The net retention ratio was 95.96% and the combined ratio was 102.98%.
Segment Performance
The health segment, including personal accident, continues to be a significant contributor. Net written premium earned for the health retail segment was ₹3,85,828 lakhs for Q2 2026, with an investment income of ₹17,387 lakhs.
Additional Information
Earnings per share (EPS) before extraordinary items was reported as ₹0.93 basic and ₹0.92 diluted for the quarter. The board has not declared any interim dividends.
Update on Cyber Security Incident
In August 2024, the company experienced a cybersecurity incident and is focused on implementing improvements to its cyber and information security systems. A penalty of Rs. 339 lakhs imposed by IRDAI has been provided for the quarter ended June 2025 and was appropriately paid in September 2025.
Source: BSE
