Hello! Really appreciate you visiting my profile Bengaluru Star Health & Allied insurance Co LTD: One of India's leading Health Insurance Company, Star Health and Allied Insurance Co Ltd is a joint venture between Oman Insurance Company UAE, Leading NRIs and an Indian company being a special purpose vehicle formed by a group of business tycoons. It is also India's first stand-alone Health Insurance Company providing services across following categories : Personal Accident, Mediclaim and Overseas Travel Insurance. Salient Features: * 90% of all Cashless claim approval done within 1 hour * Has been awarded "Claims Service Company of the year 2014" under the banner Indian Insurance awards * Personalized Doctor visit for all customers getting hospitalized * Largest Network hospitals base of over 6000+ hospitals * Pan India presence with more than 250+ Branch offices Specialties Health Insurance, Group Health Insurance, Overseas Travel Insurance, Accident Insurance Website http://www.starhealth.in

1. Star Health updated profile/Trg/cpu/ Ver1.4/07Nov2015
STAR HEALTH & ALLIED INSURANCE CO.
LTD.,1

2. STAR HEALTH after 2014-15…
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Star Health updated profile/Trg/cpu/ Ver1.4/07Nov2015
LARGEST
stand-alone
health insurer
in IndiaHighest
growth rate
(35%) in the
industry
5th largest
in India,
right after the
4 PSU majors.

3. Introducing STAR HEALTH INSURANCE…
3
Star Health updated profile/Trg/cpu/ Ver1.4/07Nov2015

4. Star Health updated profile/Trg/cpu/ Ver1.4/07Nov2015
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Direct
settlement
of claims
Free
Health
Magazine
Free DIGITAL
CONVERSION
of Medical
Records
No TPA
involvement
Our innovations – on OPERATIONS FRONT!
Renewal and claims
tracking easier
through Star
Health Mobile app.

5. Star Health updated profile/Trg/cpu/ Ver1.4/07Nov2015
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1ST to launch an
exclusive health
cover for Sr.
Citizens.
1st and only
INDIAN insurer to
provide a health
cover for HIV
population.
Our innovations – on PRODUCTS FRONT!
1st policy exclusively
meant for “heart
patients” who have
undergone
CABG/PTCA.

6. Star Health updated profile/Trg/cpu/ Ver1.4/07Nov2015
6
1st to launch a
“Top-up” plan:
STAR Super
Surplus.
1st to launch an
exclusive health
cover for Diabetics
(Revised and
improved 2014).
Our innovations – on PRODUCTS FRONT!
Unmatched
benefits:
Recharge;
Bariatric surgery
covers etc!
A range of
‘value-for-
money’ products.
Re-launched
FHO and CHI
with superior
features.

7. Star Health updated profile/Trg/cpu/ Ver1.4/07Nov2015
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Star spread!

8. Star Health updated profile/Trg/cpu/
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Our Retail growth journey!
Year
No. of
Policies
(in
Thousands)
Premium
(Rs. in
Crores)
Growth
Rate
Industry
growth
2006-07 61 8.50 NA
2007-08 299 42.20 398%
2008-09 504 95.20 126%
2009-10 763 183.20 92%
2010 –11 1132 337.60 84%
2011-12 1266 501.90 49% 39%
2012-13 1325 770.30 53% 19%
2013-14 1515 1054.45 37% 15%
2014-15 1866 1444.92 37% 15%
2015-16 2250 (Est)
1900.00
(1950*)
35% 13%

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Our growth journey!STAR TREK
0
500
1000
1500
2000
2500
No. of Policies (in Thousands)
Premium (Rs. in Crores)
Year
No. of
Policies
(in
Thousands)
Premium
(Rs. in
Crores)
Growth
Rate
Industry
growth
2006-07 61 8.50 NA
2007-08 299 42.20 398%
2008-09 504 95.20 126%
2009-10 763 183.20 92%
2010 –11 1132 337.60 84%
2011-12 1266 501.90 49% 39%
2012-13 1325 770.30 53% 19%
2013-14 1515 1054.45 37% 15%
2014-15 1866 1444.92 37% 15%
2015-16 2250 (Est)
1900.00
(1950*)
35% 13%

10. Star Health updated profile/Trg/cpu/
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Health portfolio:
Comparative performance….
*Figures as published by IRDA
RANK Insurers
Health
Growth% RANK Insurers
Health
Growth%
2013-14 2014-15 Sep-14 Sep-15
1 New India 3315.77 3980.65 20 1 New India 2419.19 2539.91 5
2 National 3030.52 3681.93 21 2 National 1746.65 1917.19 10
3 United India 2659.94 3171.36 19 3 United India 1706.55 1794.03 5
4 Oriental 1718.15 1994.68 16 4 Oriental 1020.08 1284.86 26
5 Star Health 1067.15 1439.27 35.00 5 Star Health 605.50 805.00 33.00
6 ICICI-lombard 1570.16 1405.35 -10 6 ICICI-lombard 708.14 748.92 6
7 Apollo Munich 664.67 758.92 14 7 Bajaj Allianz 409.12 449.99 10
8 Bajaj Allianz 743.66 731.14 -2 8 Apollo Munich 270.86 336.01 24
9 HDFC ERGO 616.82 554.89 -10 9 HDFC ERGO 277.34 309.66 12
10 Max Bupa 307.53 372.06 21 10 Max Bupa 158.72 211.57 33
11 Religare 150.03 260.27 73 11 Religare 102.93 211.14 105
12 Cigna TTK 0 21.24 NA 12 Cigna TTK 2.17 36.87 1599
Industry Total* 17678.79 20442.97 16 Industry Total* 10166.81 12054.97 19

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PA portfolio:
Comparative performance….
*All figures as published by IRDA
RANK
Insurers
PA
Growth% RANK Insurers
PA
Growth%
2013-14 2014-15 Sep-14 Sep-15
1 HDFC ERGO 299.4 387.96 30 1 Oriental 67.17 81.92 22
2 ICICI-lombard 199.98 232.67 16 2 HDFC ERGO 191.88 230.77 20
3 United India 208.53 231.07 11 3 ICICI-lombard 115.67 133.71 16
4 New India 168.98 185.73 10 4 New India 101.00 120.72 20
5 National 146.39 131.14 -10 5 United India 87.48 119.75 37
6 Oriental 118.24 126.41 7 6 National 71.80 112.70 57
7 Bajaj Allianz 54.03 66.36 23 7 SBI Gen 113.80 91.04 -20
8 Star Health 23.92 33.27 39 8 TATA AIG 75.64 75.05 -1
9 Apollo Munich 16.71 26.55 59 9 Bajaj Allianz 31.26 42.17 35
10 Religare 2.27 15.53 584 10 Apollo Munich 10.86 30.07 177
11 Max Bupa 1.32 0.60 -55 11 Religare 2.49 19.30 675
12 Cigna TTK NA 0.59 NA 12 Star Health 14.22 18.32 29
Industry Total* 1828.75 2142.48 17 13 Cigna TTK 0.00 2.17 0
14 Max Bupa 0.52 0.13 -75
Industry Total* 17678.79 20442.97 16

12. Rs. in crore
Premium Income
Particulars
Retail
Sector
Corporate
Sector
Total
% of
Corporate
sector
For the Period ending 31st
Mar’15
1349.59 95.33 1444.92 6.60
For the Period ending 31st Mar’14 974.11 78.44 1052.55 7.45
Growth % 38.55 21.53 37.28
Sector
As on
March ‘14
As on
March’15
Growth
%
Retail & Corporate 1052.55 1444.92 37%
RSBY 38.53 27.62
Total 1091.08 1472.54 34%
Retail up to the month March 2015
Gross Premium income upto March 2015
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Star Health updated profile/Trg/cpu/

13. Rs. in crore
Premium Income
Particulars
Retail
Sector
Corporate
Sector
Total
% of
Corporate
sector
For the month Oct’15 138.10 6.24 144.34 4.32
For the month Oct 14 99.84 4.42 104.26 4.24
Growth % 38.32 41.18 38.44
Sector
As on
Oct’14
As on
Oct’15
Growth %
Retail & Corporate 700.18 956.83 36.65%
RSBY 23.42 11.14 (52.3%)
Total 723.60 967.97 33.77%
Retail for the month Oct 2015
Premium income upto Oct 2015
Star Health updated profile/Trg/cpu/
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14. Documents issued and Lives covered..
Class
2013 - 2014 2014 - 2015
No. of
Policies
(in lakhs)
Lives
covered
(in lakhs)
Premium
(in crs)
No. of
Policies
(in lakhs)
Lives
covered
(in lakhs)
Premium
(in crs)
Health 13.37 38.28 1025.39 16.32 46.35 1401.72
Personal Accident 1.50 8.60 22.79 2.00 9.47 32.94
OMP 0.35 0.36 11.95 0.32 0.33 10.26
Total 15.22 47.24 1060.13 18.64 56.15 1444.92
No. of persons covered per policy 3.11 3.01
Premium per policy Rs.6965 Rs.7750
Per Capita premium Rs.2244 Rs.2573
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Star Health updated profile/Trg/cpu/

15. Documents issued and Lives covered..
Class
2015 – 2016 (upto Oct) 2014 – 2015 (upto Oct)
No. of
Policies
(in lakhs)
Lives
covered
(in lakhs)
Premium (in
crs)
No. of
Policies (in
lakhs)
Lives
covered (in
lakhs)
Premium
(in crs)
Health 9.76 27.80 926.78 8.14 23.55 669.05
Personal Accident 1.24 6.21 22.11 0.98 5.12 17.03
OMP 0.25 0.25 7.94 0.22 0.23 7.29
Total 11.25 34.26 956.83 9.34 28.90 693.37
No. of persons covered per policy 2.85 2.89
Premium per policy Rs. 9496 8219
Per Capita premium Rs. 3334 2841
Rs.in crore
Star Health updated profile/Trg/cpu/
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16. Star Health updated profile/Trg/cpu/
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Year Settled
Amount
Paid
(Rs. in Cr)
2010-11 109087 129.35
2011-12 112369 201.22
2012-13 153533 347.53
2013-14 192084 515.76
2014-15 225959 682.78
2010-11
2011-12
2012-13
2013-14
2014-15
109,087
112,369
153,533
192,084
225,959
12,935
20,122
34,753
51,576
68,278
Claims track over the years.
Amount Paid (Rs. in lakhs) Number of claims handled
1. Over 2012-13 claim numbers grew by 25% in 2013-14.
But growth in 2014-15 was lower at 18%.
2. Claim amount disbursed in 2013-14 over 2012-13 was 48%.
But comparable increase in 2014-15 was lower at 32%.

17. Service highlights….
Settlement
TAT
• Please contact the toll
free help - line - 1800
425 2255
• For Pre - Authorization
fax to the below numbers
Toll - free:
1800 425 5522
Non Toll free:
044 28302200
• Carry your ID Card and
Policy Schedule.
Star Health updated profile/Trg/cpu/
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CASHLESS
{<2 HR} - 86%
RE-IMBURSEMENT
{<7 DAYS} - 88%

18. Claims Management..
StarHealthupdatedprofile/Trg/cpu/
Ver1.4/07Nov2015
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Cashless
claims
Within 1 hour – 82%
Within 2 hours – 86%
Reimbrs
emt
claims
Payment Within 7 days
– 88%
Rejections
Communications within 7
days – 91%

19. SEGMENT F Y 2015-16
Retail
Business
1820
Corporate
Business
80
TOTAL 1900
Objective of the year -
Growth with Profit19
Star Health updated profile/Trg/cpu/

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Improving products and
service, hand-in-hand!
Health insurance company of the year – 2015:
Another honour to Star Health
TheIndianInsuranceAwards2015organizedby
Fintelekt(www.fintelekt.com)”.
Citation:
Award in
recognition of
overall leadership
in the health
insurance segment
through strong
growth in revenues
coupled with
innovative
approaches in
product
management and
efficiency in claims
servicing.

21. Star Health updated profile/Trg/cpu/
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Improving products and
service, hand-in-hand!
TheIndianInsuranceAwards2015organizedby
Fintelekt(www.fintelekt.com)”.
Citation:
Family Health Optima
(Rev) has an innovative
feature named
RECHARGE, a hidden sum
insured, which is available if
any claim overshoots the
available benefit limit in the
policy. Benefit is on offer to
any type of claim without
reservations. FHO attained
the highest sales among
health insurance products in
FY 14-15.

22. Star Health updated profile/Trg/cpu/
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Improving products and
service, hand-in-hand!

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Improving products and
service, hand-in-hand!
“Most Promising Health Insurance
company of 2014”
Dr. Prakash, Executive Director,
receiving the distinction conferred
at Delhi on Jan 21, 2015.

24. Star Health updated profile/Trg/cpu/
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Improving products and
service, hand-in-hand!

25. Star Health updated profile/Trg/cpu/ Ver1.4/07Nov2015
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