1 week ago
Young Indians Drive Star Health’s Digital Insurance Growth
Star Health shared information about people buying health insurance online.
It said many of these customers are young, with about two-thirds under 40.
Nearly six out of ten are salaried workers.
Online customers chose insurance worth about ₹14 lakh on average.
This was higher than the company-wide average of ₹12 lakh.
Some customers also chose extra benefits such as critical illness and hospital cash coverage.
Star Health said its digital business grew 38% during FY26.
The company is using online payments, several Indian languages, artificial intelligence and human advisers to help customers.
Star Health reported that about 66% of customers buying fresh health insurance through its direct digital channel in FY26 were under 40.
Nearly 60% of these digital-channel customers were salaried professionals.
Digital customers selected an average sum insured of ₹14 lakh, compared with ₹12 lakh across the company overall.
Star Health’s direct digital channel grew 38% year on year in FY26 and generated nearly 16% of fresh health insurance gross written premium.
The company said its digital journey includes online payments, multilingual assistance, artificial intelligence tools and dedicated relationship managers.
- Who
- Star Health and Allied Insurance Company Limited and customers using its direct digital channel.
- What
- Star Health released FY26 data showing increased digital health insurance adoption among younger, salaried Indians and higher average coverage choices.
- Where
- India, through Star Health’s direct-to-consumer digital channel.
- When
- The data was released on September 16 and covers FY26.
- Why
- The company said digitally comfortable consumers are increasingly seeking self-directed insurance purchases and higher health protection.
Key facts
- Customers under 40
- Around 66% of fresh-policy customers using the direct digital channel
- Salaried customers
- Nearly 60% of direct digital-channel customers
- Average digital sum insured
- ₹14 lakh
- Company-wide average sum insured
- ₹12 lakh
- Digital channel growth
- 38% year on year in FY26
- Digital share of fresh health insurance GWP
- Almost 16% in FY26
- Digital support
- Online payments, assistance in nine Indian languages, AI tools and dedicated relationship managers
Quotes
Deepakh Himmatsinghka
Chief Business Officer – D2C Vertical at Star Health and Allied Insurance
“Our D2C data reflects a clear shift in fresh health insurance policy buying among younger Indians. Nearly 66% of our D2C customers are below 40 years, and they are opting for an average Sum Insured of ₹14 lakh, compared to ₹12 lakh across the company. With the channel growing 38% year-on-year in FY26, the trend is clear. Young, digitally connected consumers are not only buying health insurance earlier but are also choosing higher levels of protection.”
theprint.in
“Young Indians are changing the way health insurance is researched, bought and serviced. They expect a digital-first experience, but they also want trust, clarity and expert support when making an important financial decision.”
theprint.in
Sources
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