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BSE Code : 543412 | NSE Symbol : STARHEALTH | ISIN : INE575P01011 | Industry : Insurance |

Profit and Loss

Particulars (₹ Cr)	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020
Policyholders Account (Technical Account)
Income from Insurance Operations (Information)	13,578.95	11,763.02	10,288.72	4,877.16	4,885.37
Gross premiums Written	15,254.45	12,952.47	11,463.47	9,388.54	6,890.67
Gross Premiums	15,254.45	12,952.47	11,463.47	9,388.54	6,890.67
Reinsurance Accepted	0.00	0.00	0.00	0.00	0.00
Premium Ceded Reinsurers	1,187.09	632.83	653.98	2,209.11	1,629.27
Adjustment for Change in Reserve for Unexpired Risks	-1,129.09	-1,058.05	-1,000.33	-2,552.80	-568.41
Premium Earned (Net)	12,938.27	11,261.59	9,809.16	4,626.63	4,692.99
INCOME FROM INVESTMENTS - INSURANCE	49.92	6.75	98.20	5.87	4.26
Interest, Dividends & Rent - Gross (net of Amortisation amount)	0.00	0.00	0.00	0.00	0.00
Profit on Sale / Redemption of Investments	49.92	6.75	98.20	5.87	4.26
(Loss on Sale / Redemption of Investments)	0.00	0.00	0.00	0.00	0.00
Profit on Sale of Investments (Net)	0.00	0.00	0.00	0.00	0.00
Transfer/Gain on Revaluation	0.00	0.00	0.00	0.00	0.00
Change in Fair Value	0.00	0.00	0.00	0.00	0.00
Accretion of Discount/(Amortisation of Premium) (Net)	0.00	0.00	0.00	0.00	0.00
Unrealised Gain	0.00	0.00	0.00	0.00	0.00
Net Realised Gain and Loss	0.00	0.00	0.00	0.00	0.00
Foreign Exchange Gain / Loss	0.00	0.00	0.00	0.00	0.00
Appropriation / Expropriation Adjustment Account	0.00	0.00	0.00	0.00	0.00
Others	0.00	0.00	0.00	0.00	0.00
OTHER INCOME - INSURANCE	590.76	494.67	381.36	244.66	188.13
Interest on Over Due Premium	590.76	494.67	381.36	244.66	188.13
Interest on Policy Loan	0.00	0.00	0.00	0.00	0.00
Fees and Charges	0.00	0.00	0.00	0.00	0.00
Profit on sale/disposal of fixed assets	0.00	0.00	0.00	0.00	0.00
Foreign Exchange Gains/Loss (Net)	0.00	0.00	0.00	0.00	0.00
Linked Income	0.00	0.00	0.00	0.00	0.00
Investment income from Pool (Terrorism / Nuclear)	0.00	0.00	0.00	0.00	0.00
Miscellaneous Income (Technical)	0.00	0.00	0.00	0.00	0.00
Transfer of Fund / Contribution from the Shareholders Account	0.00	0.00	0.00	0.00	0.00
Income on Unclaimed amount of Policyholders	0.00	0.00	0.00	0.00	0.00
Commission & Brokerage (net)	1,853.65	1,682.77	1,492.18	585.76	340.90
Incurred Claims	8,599.94	7,320.40	8,539.99	4,369.45	3,087.43
Claims Benefits Paid	8,599.94	7,320.40	8,539.99	4,369.45	3,087.43
Premium Deficiency	0.00	0.00	0.00	0.00	0.00
Interim Bonuses Paid	0.00	0.00	0.00	0.00	0.00
Terminal Bonuses Paid	0.00	0.00	0.00	0.00	0.00
Transfer to Funds	0.00	0.00	0.00	0.00	0.00
Changes in Valuation of Policies Liabilities	0.00	0.00	0.00	0.00	0.00
Changes in Gross Non-Unit/Mathematical Reserves	0.00	0.00	0.00	0.00	0.00
Changes in Amount Ceded in Reinsurance	0.00	0.00	0.00	0.00	0.00
Changes in Amount Accepted in Reinsurance	0.00	0.00	0.00	0.00	0.00
Fund / Unit Reserve	0.00	0.00	0.00	0.00	0.00
Funds for Discontinued Policies	0.00	0.00	0.00	0.00	0.00
Reserve for Unexpired Risks	0.00	0.00	0.00	0.00	0.00
Changes in Catastrophe Reserve	0.00	0.00	0.00	0.00	0.00
Change in Outstanding Claims (Incl. IBNR/IBNER)	0.00	0.00	0.00	0.00	0.00
Changes in Actuarial Liabilities	0.00	0.00	0.00	0.00	0.00
Other Insurance Operations
Operating Expenses related to Insurance Business	2,394.42	2,053.81	1,838.53	1,403.05	1,102.02
Other Operating Expenses to Insurance	-137.55	-117.89	-101.21	-271.14	-191.47
Loss from Investments	0.00	0.00	0.00	0.00	0.00
Loss from Sale Of Fixed Assets	0.00	0.00	0.00	0.00	0.00
Changes in Fair Value Loss	0.00	0.00	0.00	0.00	0.00
Foreign Exchange Loss	0.00	0.00	0.00	0.00	0.00
Other Operating Expenses - Insurance	0.00	0.00	0.00	0.00	0.00
Total Insurance Expenses	12,848.02	11,056.98	11,870.70	6,358.27	4,530.34
Underwriting Profit/Loss	-90.25	-204.61	2,061.53	1,731.64	-162.64
Provisions for doubtful debts (Including bad debts written off) (Technical)	0.00	0.00	0.00	0.00	0.00
Provisions for diminution In value of investments (Technical)	0.00	0.00	0.00	0.00	-5.75
Provisions for standard assets (Technical)	0.00	0.00	0.00	0.00	0.00
Bad Debts Written Off (Technical)	0.00	0.00	0.00	0.00	0.00
Provisions for goods and service tax / service tax charge on linked charges	0.00	0.00	0.00	0.00	0.00
Provisions for tax	0.00	0.00	0.00	0.00	0.00
Deferred Tax	0.00	0.00	0.00	0.00	0.00
Other Provisions (Technical)	0.00	0.00	0.00	0.00	0.00
Total Expenses Including Provisions	12,848.02	11,056.98	11,870.70	6,358.27	4,524.59
Operating Profit/(Loss)	730.93	706.03	-1,581.97	-1,481.11	360.78
(a) Fire Insurance	0.00	0.00	0.00	0.00	0.00
(b) Marine Insurance	0.00	0.00	0.00	0.00	0.00
(c) Miscellaneous Insurance	730.93	706.03	-1,581.97	-1,481.11	360.78
(d) Life Insurance	0.00	0.00	0.00	0.00	0.00
Balance of Previous Year	0.00	0.00	0.00	0.00	0.00
Appropriations (Surplus/(deficit) After Tax Appropriations)	730.93	706.03	-1,581.97	-1,481.11	360.78
(a) Transfer to Shareholders A/c	730.93	706.03	-1,581.97	-1,481.11	360.78
(b) Transfer to Profit and Loss A/c	0.00	0.00	0.00	0.00	0.00
Transfer to Catastrophe Reserve	0.00	0.00	0.00	0.00	0.00
(b) Transfer to Reserves	0.00	0.00	0.00	0.00	0.00
(c) Fund for Future Appropriations (Balance Being Funds for Future Appropriation)	0.00	0.00	0.00	0.00	0.00
The Total Surplus as Mentioned below :
(a) Interim Bonus Paid	0.00	0.00	0.00	0.00	0.00
(b) Terminal Bonus Paid	0.00	0.00	0.00	0.00	0.00
(c) Allocation of Bonus to Policyholders	0.00	0.00	0.00	0.00	0.00
(d) Surplus / Deficit Shown in the Revenue A/c	0.00	0.00	0.00	0.00	0.00
Total Surplus / Deficit	0.00	0.00	0.00	0.00	0.00
Shareholders Account : (Non-technical Account) (NON OPERATING RESULTS)
Income in Shareholders Account	1,178.41	1,044.88	-1,260.61	-1,307.63	461.96
(a) Transfer from Policyholders Fund / Account (Technical Account)	730.93	706.03	-1,581.97	-1,481.11	360.78
(b) Net Reinsurance Premium	0.00	0.00	0.00	0.00	0.00
Total Income Under Shareholders account	447.48	338.85	321.36	173.48	101.18
Reinsurance Claims Incurred	0.00	0.00	0.00	0.00	0.00
Expenses relating to reinsurance business & Change in reinsurare contract liabililles (net of reinsurance assets)	0.00	0.00	0.00	0.00	0.00
Transfer of Fund to Policyholders A/c	0.00	0.00	0.00	0.00	0.00
Income from Investments	443.42	333.14	313.26	173.16	101.14
Interest, Dividend & Rent - Gross	408.87	328.66	249.12	169.10	98.91
Profit on Sale of Investments / Redemption of Investments	34.55	4.48	64.15	4.06	2.24
Less: Loss on sale of Investments / Redemption of Investments	0.00	0.00	0.00	0.00	0.00
Amortisation of (premium) /discount on investments	0.00	0.00	0.00	0.00	0.00
Other Income	4.06	5.70	8.10	0.32	0.03
Forex Gain/( Loss)	0.00	0.00	0.00	0.00	0.00
Profit on sale of Assets (Net)	0.00	0.00	0.00	0.00	0.00
Sundry Balances Written Back (Net)	0.00	0.00	0.00	0.00	0.00
Interest on Income-tax Refund	0.47	0.90	6.73	0.00	0.00
Motor Pool Service Charges	0.00	0.00	0.00	0.00	0.00
Miscellaneous Income (Non Technical)	1.82	3.86	1.37	0.32	0.03
Provision for Doubtful Loans & Investment	0.00	0.00	0.00	0.00	0.00
Provision/(written off ) for Doubtful Debts	1.77	0.94	0.00	0.00	0.00
Diminution in the value of investments written off	0.00	0.00	0.00	0.00	0.00
Other Expenses
Expenses relating to Investments and Financial Costs	0.00	0.00	0.00	0.00	0.00
Expenses other than those directly related to the insurance business	47.05	217.38	133.41	103.63	32.01
Forex Loss/(Gain)	0.00	0.00	0.00	0.00	0.00
IPO Expenses	0.00	0.00	0.00	0.00	0.00
Provisions for doubtful debts (Including bad debts written off) (Non Technical)	0.69	0.35	1.84	34.35	0.51
Provisions for diminution In value of investments (Non Technical)	0.00	0.00	0.00	0.00	-4.00
Provisions for standard assets (Non Technical)	0.00	0.00	0.00	0.00	0.00
Bad Debts Written Off (Non Technical)	1.82	0.75	0.78	0.19	0.50
Other Provisions (Non Technical)	0.00	0.00	0.00	0.00	19.52
Contribution to the Policyholders Fund / Account	0.00	0.00	0.00	0.00	0.00
Profit/Loss before Extraordinary items	1,128.85	826.40	-1,396.64	-1,445.81	413.43
Exceptional Items Before Tax	0.00	0.00	0.00	0.00	0.00
Profit Before Extraordinary Items and Tax	1,128.85	826.40	-1,396.64	-1,445.81	413.43
Other Adjustments Before Tax	0.00	0.00	0.00	0.00	0.00
Extraordinary Items before tax	0.00	0.00	0.00	0.00	0.00
Profit Before Tax	1,128.85	826.40	-1,396.64	-1,445.81	413.43
Taxation	283.84	207.81	-355.97	-360.09	145.42
- Current Tax	73.12	0.00	0.00	62.40	99.54
- Deferred Tax	210.72	207.81	-346.95	-414.31	-4.73
- MAT Credit	0.00	0.00	0.00	0.00	50.02
- Fringe Benefit Tax	0.00	0.00	0.00	0.00	0.00
- Provision for Tax in respect of earlier years	0.00	0.00	-9.01	-8.18	0.59
- Provision for Wealth Tax	0.00	0.00	0.00	0.00	0.00
- Other Tax	0.00	0.00	-9.01	-8.18	50.61
Profit After Tax	845.01	618.59	-1,040.67	-1,085.71	268.00
Extraordinary Items After Tax	0.00	0.00	0.00	0.00	0.00
Discontinued Operations	0.00	0.00	0.00	0.00	0.00
Profit / (Loss) from Discontinuing Operations	0.00	0.00	0.00	0.00	0.00
Tax Expense of Discontinuing Operations	0.00	0.00	0.00	0.00	0.00
Profit Attributable to Shareholders	845.01	618.59	-1,040.67	-1,085.71	268.00
Adjustments to Net Income	0.00	0.00	0.00	0.00	0.00
Preference Dividend	0.00	0.00	0.00	0.00	0.00
Profit Attributable to Ordinary Shareholders	845.01	618.59	-1,040.67	-1,085.71	268.00
Information :
Total Employee Benefits (Information)	1,612.17	1,453.66	1,343.60	1,176.50	853.65
OperatingProfitAfterDepreciation	730.93	706.03	-1,581.97	-1,481.11	360.78
Operation Profit before Depreciation	730.93	706.03	-1,581.97	-1,481.11	360.78
Dividend Per Share	0.00	0.00	0.00	0.00	0.00
Dividend Percentage	0.00	0.00	0.00	0.00	0.00
Equity Dividend	0.00	0.00	0.00	0.00	0.00
Earning Per Share - Basic	14.48	10.70	-18.65	-21.75	0.56
Earning Per Share - Diluted	14.19	10.41	-18.10	-21.75	0.55
Weighted Average Shares - Basic	58.34	57.84	55.80	49.92	47.94
Weighted Average Shares - Diluted	59.55	59.43	57.50	51.54	48.95

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Star Health & Allied Insurance Company Ltd

Profit and Loss