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Star Health DSCR jumps to 19.29% YTD

April 28, 2026 5 mins read Firehose Gupta

Star Health and Allied Insurance Company Limited — Quarter and year ended March 31, 2026

Sr No Particulars Three Months Ended / As At Year to date Ended / As At
March 31, 2026
Audited		 March 31, 2026
Audited
1 Debt Equity ratio (No of Times) (Note 1) 0.06 0.06
2 Debt Service Coverage ratio (DSCR) (No of Times) (Note 2) 15.91 19.29
3 Interest Service Coverage ratio (ISCR) (No of Times) (Note 3) 15.91 19.29
4 Outstanding redeemable preference shares (Quantity and Value) NA NA
5 Debenture redemption reserve
6 Networth (Note 4) 7,58,866 7,58,866
7 Net Profit after tax 11,134 55,698
8 Earning per Share (of ₹ 10 each)
Basic (in ₹) 1.89 9.47
Diluted (in ₹) 1.89 9.47
9 Current ratio (Note 5) 0.27 0.27
10 Long term debt to working capital (Note 6) NA NA
11 Bad debt to Accounts receivable ratio (Note 6) NA NA
12 Current liability ratio (Note 7) 0.80 0.80
13 Total debt to total assets (No of times) (Note 8) 0.02 0.02
14 Debtors turnover (Note 6) NA NA
15 Inventory turnover (Note 6) NA NA
16 Operating margin ratio (Note 6) NA NA
17 Net profit margin ratio (Note 6) NA NA
Sector specific equivalent ratios (Note 9)
18 Operating profit ratio 1.48% 2.18%
19 Net earnings ratio 1.99% 3.16%
20 Gross premium growth rate 16.72% 11.31%
21 Expenses of Management to net written premium ratio 29.91% 31.88%
22 Expense Ratio 20.38% 17.80%
23 Underwriting balance ratio -3.55% -2.48%
24 Net commission ratio 14.16% 15.15%
25 Liquid assets to Technical liabilities ratio 0.64 0.64
26 Gross premium to Net Worth ratio 0.79 2.45
27 Technical reserves to Net Written Premium ratio 2.09 0.66
28 Growth rate of net worth (from previous year end) 8.07% 8.07%
29 Return on closing net worth 1.47% 7.34%
30 Claims paid to claims provision (Note 10) 4.93% 90.11%
Sr No Particulars Three Months Ended / As At Year to date ended / As At
March 31, 2026 (Audited) March 31, 2026 (Audited)
OPERATING RESULTS
1 Gross Premium Written 5,96,840 18,62,192
2 Net Written Premium Written¹ 5,59,857 17,65,025
3 Premiums earned (Net) 4,32,715 16,59,669
4 Income from Investments (Net)¹ 21,636 76,731
5 Other income
(a) Other Income
(i) Foreign Exchange gain / (loss) 9 101
(b) Contribution from Shareholders’ Account
(i) Towards excess Expense of Management – –
(ii) Towards remuneration of MD/CEO/WTD/Other KMPs 181 591
(iii) Others
6 Sub Total (3 to 5) 4,54,541 17,37,092
7 Commission & Brokerage (net)¹ 79,257 2,67,333
8 Net Commission² 79,257 2,67,333
9 Operating expenses relating to insurance business
(a) Employees’ remuneration and welfare expenses 62,877 1,98,318
(b) Other operating expenses(i+ii)
(i) Advertisement and publicity 8,725 29,491
(ii) Other expenses 16,783 68,584
10 Premium Deficiency – –
11 Incurred Claims
a) Claims Paid 2,64,062 11,28,686
b) Change in Outstanding claims (including IBNR/IBNER) 16,440 8,829
12 Total Expense (8+9+10+11) 4,48,144 17,00,831
13 Underwriting Profit / (Loss) (3-12) (15,428) (41,162)
14 Provision for doubtful debts (including bad debts written off)
15 Provision for diminution in value of investments
16 Operating Profit/(Loss) [6 – 12] 6,398 36,261
APPROPRIATIONS
17 a. Transfer to Profit and Loss Account 6,398 36,261
b. Transfer to Reserves – –
NON-OPERATING RESULTS
18 Income in shareholders’ account (a+b+c)
(a) Transfer from Policyholders’ Fund 6,398 36,261
(b) Income from Investments 10,456 46,099
(c) Other income 169 247
19 Expenses other than those related to insurance business 1,680 7,144
20 Provisions for doubtful debts (including bad debts written off) 22 32
21 Provision for diminution in value of investments
22 Total Expense (19+20+21) 1,902 7,175
23 Profit / (Loss) before extraordinary items (18-22) 15,121 75,433
24 Extraordinary items
25 Profit/(Loss) Before Tax (23-24) 15,121 75,433
Provision for Taxation
26 (a) Current Tax 4,010 19,918
(b) Deferred Tax (23) (497)
(c) Tax relating to earlier years 0 3
27 Profit/(Loss) After Tax (25-26)
Sr No Particulars As At March 31, 2026 Audited As At March 31, 2025 Audited
SOURCES OF FUNDS
SHARE CAPITAL 58,840 58,779
SHARE APPLICATION MONEY – –
RESERVES AND SURPLUS 7,00,083 6,43,585
– SHAREHOLDERS’ FUNDS (1,427) 3,553
– POLICYHOLDERS’ FUNDS (2,374) 5,297
BORROWINGS 47,000 47,000
TOTAL 8,02,122 7,58,214
APPLICATION OF FUNDS
INVESTMENTS – SHAREHOLDERS 7,51,078 7,18,573
INVESTMENTS – POLICYHOLDERS 12,50,156 10,71,264
LOANS – –
FIXED ASSETS 18,027 18,494
DEFERRED TAX ASSET (NET) 35,606 35,120
CURRENT ASSETS
Cash and Bank Balances 1,44,356 66,843
Advances and Other Assets 2,07,154 1,68,168
Sub-Total (A) 3,51,510 2,35,011
CURRENT LIABILITIES 5,88,915 4,12,106
PROVISIONS 10,15,341 9,08,142
Sub-Total (B) 16,04,256 13,20,248
NET CURRENT ASSETS (C) = (A – B) (12,52,746) (10,85,237)
MISCELLANEOUS EXPENDITURE (to the extent not written off or adjusted) – –
DEBIT BALANCE IN PROFIT AND LOSS ACCOUNT – –
TOTAL 8,02,122 7,58,214
Particulars For the Period Ended Mar 31, 2026 Audited For the Period Ended Mar 31, 2025 Audited
Premium received from policyholders, including advance receipts & payables to policy holders 21,87,565 20,18,200
Receipts/(Payments) from other entities carrying on insurance business (including reinsurers) (14,899) (75,181)
Receipts/(Payments) to co-insurers, net of claims recovery (6,427) 4,122
Payments of claims (11,82,935) (9,93,608)
Payments of commission and brokerage (3,22,450) (2,71,865)
Deposits, advances and staff loans 152 (2,503)
Payments of other operating expenses (2,94,622) (2,59,903)
Income Tax (Net off Refund) (18,466) (18,873)
GST (Net off GST-ITC) (1,60,574) (2,62,528)
Cash flow before extraordinary items 1,87,344 1,37,862
Cash flow from extraordinary operations – –
Net Cash flows from Operating Activities 1,87,344 1,37,862
Particulars For the Period Ended Mar 31, 2026 Audited For the Period Ended Mar 31, 2025 Audited
Purchase of fixed assets (7,811) (8,271)
Proceeds from sale of fixed assets 116 86
Purchases of investments (1,99,83,257) (1,85,76,074)
Sales of investments 1,97,72,845 1,83,56,910
Rents/Interests/Dividends received 1,11,619 1,12,471
Expenses related to investments (197) (179)
Net Cash flows from Investment Activities (1,06,685) (1,15,058)
Particulars For the Period Ended Mar 31, 2026 Audited For the Period Ended Mar 31, 2025 Audited
Proceeds from issuance of share capital 965 3,693
Interest/dividends paid (4,113) (4,112)
Net Cash flows from Financing Activities (3,148) (420)
Sr No Particulars Three Months Ended / As At Year to date ended / As At
March 31, 2026 (Audited) March 31, 2026 (Audited)
1 Segment Income:
(A) Fire
– Net Written Premium Earned – –
– Income from Investments – –
– Other Income – –
(B) Marine
– Net Written Premium Earned – –
– Income from Investments – –
– Other Income – –
(C) Health including Personal Accident*
(i) Health Retail
– Net Written Premium Earned 4,14,503 15,74,451
– Income from Investments 21,088 73,795
– Other Income – –
(ii) Health Group Corporate
– Net Written Premium Earned 18,212 85,217
– Income from Investments 548 2,936
– Other Income – –
(iii) Health Government Business
– Net Written Premium Earned – –
– Income from Investments – –
– Other Income – –
(D) Miscellaneous
(i) Miscellaneous Retail
– Net Written Premium Earned – –
– Income from Investments – –
– Other Income – –
(ii) Miscellaneous Group Corporate
– Net Written Premium Earned – –
– Income from Investments – –
– Other Income – –
(E) Crop Insurance
– Net Written Premium Earned – –
– Income from Investments – –
– Other Income – –
(F) Motor
– Net Written Premium Earned – –
– Income from Investments – –
– Other Income – –
2 Premium Deficiency

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