Star Health's Q4 & FY26 results show solid growth.

Total Gross Written Premium (GWP) climbed 16% year-on-year to ₹20,369 Cr, with Retail fresh GWP surging 37% YoY to ₹4,567 Cr.

The company expanded its reach to 2.8 Cr lives, improving its persistency ratio to 99%. Strategic focus areas include strengthening its Retail Indemnity Expert position via an expanding proprietary agency network (8.3 lakh agents) and accelerating digital channels (96% fresh premiums collected digitally). Customer-centricity is high with a 92% claims settlement ratio, 78% cashless share, and a Company NPS of 62. Home Health Care services expanded to 300 cities.

Financially, Insurance Revenue grew 13% YoY to ₹17,999 Cr.

Profit After Tax (PAT) increased 16% YoY to ₹911 Cr, with Normalized PAT soaring 45% YoY to ₹1,222 Cr.

The Combined Ratio improved to 98.8% (from 101.1%), resulting in an Underwriting Profit of ₹206 Cr, a strong turnaround.

This continued emphasis on proprietary distribution, digital innovation, and efficient claims processing signals a clear path for sustained profitable growth and enhanced customer experience.