1. STAR HEALTH AND ALLIED INSURANCE CO. LTD.

2. About ourselves..
Commenced operations on 18th May’2006 with an unique distinction of being the first Standalone Health Insurer of India
Had a humble beginning with Rs. 18 crs of premium during the first year, grew leaps and bounds by registering GDP of Rs. 860 crs during FY
Now operating through 224 Branch offices and 512 SMS with more than employees in the service of the insuring public
Had the privilege of handling 3 mega schemes
Rajiv Aarogyasree in AP
Chief Ministers Health Insurance Scheme in TN
Govt. Employees Scheme in TN
Has been maintaining growth rate consistently more than the industry average

3. Our Promoters and Investors..
Oman Insurance Company, UAE
Leading NRIs
Indian Business Houses
Investors:
ICICI Ventures Funds
Sequoia Capital
Tata Capital Growth Fund
Paid up capital : INR Crs

4. Board of Directors… Mr. V. Jagannathan Mr. Essa Abdullah Al Ghurair
Chairman cum Managing Director
Mr. Essa Abdullah Al Ghurair
From the prominent Al Ghurair family in UAE
Mr. Patrick Choffel
CEO, Oman Insurance Company (PSC)
Dr. M.Y. Khan
Former Chairman J&K Bank and Banking and Advisory council, YES Bank
Mr. D.R. Kaarthikeyan IPS
Former Director C B I, Police Academy and Director General NHRC
Mr. V.P. Nagarajan
Executive Director of ETA Ascon and ETA Star Group of companies, UAE
Mr. D C Gupta IAS
Former Secretary (Expenditure) Government of lndia
Ms. Vishakha Mulye
CEO & Managing Director, ICICI Venture Funds
Mr. Sumir Chadha
Co founder & Managing Director West Bridge Capital Partners
Mr. Akhil Awasthi
Managing Partner - Tata Capital Growth Fund (TCGF)

5. Organizational Structure
Corporate Office
Zonal Offices
Area Offices
Branch Offices
SM Station SM
Corporate Agents/Brokers
Agents
MTs

6. Our Organizational Strength
Branch Offices
Area Offices – 22
Zonal Offices
SM Stations – 512 (emp. – 100)
Employees – 5041
Doctors
Active Agents – 59,958

7. Our Popular Products.. Health Personal Accident Overseas Travel
Medi Classic (Individual & Group)
Family Health Optima
Senior Citizens’ Red Carpet
Star Diabetes Safe
Star Super Surplus (Individual & Family Floater)
True Value
HIV Care (Star Net Plus).
Star Health Gain (IP + OP Benefits)
Star All Care (for NRIs)
Star Criticare Plus
Star Unique Insurance (covers PED also)
Star Wedding Gift (with maternity benefits)
Medi Classic with PA
FHO with PA
Star Cardiac Care
Health Plus Life
Star Shri Individual Care
Star Shri Family Care
Accident Care (Individual & Group)
Accident Trauma Care (Individual & Group)
Student Care
Travel Protect for Individual
Family Travel Protect
Student Travel Protect
Corporate Travel Protect

8. Our innovations… First to introduce product for Senior Citizens
‘top up’ plan –”Star Super Surplus”
‘ Health + Life’ combi product
coverage for HIV +ve groups.
coverage for cardiac patients – “Star Cardiac Care”

9. Performance - Retail 2006-07 61 8.5 NA 2007-08 299 42.2 398% 2008-09
Year
No. of Policies
(in Thousands)
Premium
(Rs. in Crores)
Growth Rate 61
8.5 NA
299
42.2
398%
504
95.2
126%
763
183.2
92%
2010 –11
1132
337.6
84%
1266
501.9
49%
1325
770.3
53%

10. Portfolio wise Performance
Rs. In Crore
PERIOD
HEALTH
ACCIDENT (PA)
OMP
Total
No. of Policies
Premium
24689
6.4
32998
1.3
3213
0.8
60900
8.5
112119
32.1
178481
7.6
8289
2.5
298889
42.2
264725
82.1
227847
9.1
11115
4.1
503687
95.2
493531
164.4
247579
10.9
20976
7.8
762086
183.2
806996
310.9
292242
15.2
32115
11.5
337.6
472.6
226474
17.4
33803
11.9
501.9
740.3
131282
16.6
38066
13.4
770.3

11. Health Insurance Premium overall 2012-13
Rs. In Crores
SL No
Insurers
Health 1
New India 2
United India 3
National 4
ICICI-lombard 5
Oriental 6
Star Health
843.80 7
Apollo Munich
598.75 8
Bajaj Allianz
594.85 9
HDFC ERGO
521.50 10
Reliance General
295.53 11
Cholamandalam MS
287.00 12
IFFCO-Tokio
210.79 13
Royal Sundaram
209.23 14
Max Bupa
206.52 15
Bharti AXA
195.49 16
Tata-AIG
181.87 17
Future Generali
139.13 18
Universal Sompo
55.27 19
Religare
38.39 20
L&T General
26.03 21
SBI General
6.74 22
Raheja QBE
0.02
Grand Total
Source GIC
Ranking 6th amongst all General Insurers in garnering Health insurance Premium
Ranking 2nd amongst Private Insurers in securing Health Premium
Ranking 1st amongst the Standalone Health Insurers in premium base

12. Milestones crossed in Mass Insurance..
Sole Insurer covering Apathbandhu Personal Accident Insurance Scheme to the BPL families in the State of Andhra Pradesh during
Sole Insurer for Rajiv Aarogyasri Community Health Insurance Scheme in Andhra Pradesh State covering 7 Cr individuals, during
Lead Insurer for Tamil Nadu Government Employees (50 lakh individuals) for four years during
Lead Insurer for the Chief Minister’s Insurance Scheme for Life Saving Treatments covering nearly 5 cr individuals in Tamilnadu during
Successfully implementing RSBY Scheme in 8 districts of Jharkhand, 6 districts of Uttarakhand, 6 districts of Odissa and 6 dist. in Gujarat States.

13. Effective Claims Management – service uncompromised
First company to have in house settlement of claims with qualified medical professionals
Cashless with TAT less than 2 hours in 90% of cases
Cashless Claims settlement decentralized at zone level with prescribed limits.
Re-imbursement claims settled within 10 days on receipt of documents
We service our customers through 2056 Agreed network hospitals, 5431 Empanelled hospitals and 724 empanelled diagnostic centers.
Hospital Relationship Managers in each zone to strengthen relationship with our network hospitals
24 X 7 In house Toll Free Call Centre for claims facilitation and claims assistance center at Zonal level
Field visit by our Doctors to verify authenticity of claims
Regional vigilance officers in every zone for market intelligence and monitoring offices

14. Claims Handled (retail)
 Year PA
Health
OMP
Total 97
1217 35
1349
386
9541
130
10057
828
29880
225
30933
1277
67610
381
69268
1668
120017
591
122276
1656
166139
564
168359
 1817
213159 
244 
 215220

15. Value additions in our customer service …
24 X 7 In house Customer Care Helpline
to register claims
To give information about Products and Network Hospitals
to provide information on Claims procedure and Claim status
24 X 7 medical guidelines over phone at free of cost
Health Magazine carrying articles by eminent Doctors and Health Tips sent to policy holders periodically at no cost

16. STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED
Reinsurance
We are adequately protected by RI arrangements
All our RI arrangements are with GIC Re
STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED
PERSONAL & CARING

17. Thank You