Star Health and Allied Insurance Company Limited Q4 FY25 earnings call summary

Earnings call of 30 Apr 2025, summarised by AI from the filing.

Star Health FY2025 PAT ₹787 cr, combined ratio 101.1%, claim ratio 70.7%; management expects loss ratios to improve going forward.

Key takeaways

1. Guidance Management expects loss ratios to improve from here, with quarterly improvements seen for last 3 quarters.
2. Change Group segment contribution to GWP reduced to 7% in Q4 FY2025 from 9% in Q2 FY2025.
3. Driver Fresh retail GWP grew 25% for the year, driven by renewed agent productivity, sharper campaign and acceleration of digital channels.
4. Risk Elevated claims frequency and severity, particularly surgical interventions, impacted loss ratios.

Original filing on BSE

Star Health and Allied Insurance Company Limited earnings call, investor presentation and press release summaries

• Q1 FY27: Earnings call (30 Jul 2026), Results deck (29 Jul 2026)
• Q4 FY26: Earnings call (29 Apr 2026), Results deck (28 Apr 2026), Results deck (29 Apr 2026)
• Q3 FY26: Earnings call (29 Jan 2026), Results deck (28 Jan 2026), Results deck (29 Jan 2026)
• Q2 FY26: Earnings call (29 Oct 2025), Results deck (28 Oct 2025)
• Q1 FY26: Earnings call (30 Jul 2025), Results deck (29 Jul 2025)
• Q4 FY25: Earnings call (30 Apr 2025), Results deck (29 Apr 2025), Results deck (30 Apr 2025)