Archive · 16 Sep 2026
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.
- When
- The data was released on September 16 and covers FY26.
- Where
- India, through Star Health’s direct-to-consumer digital channel.
- Why
- The company said digitally comfortable consumers are increasingly seeking self-directed insurance purchases and higher health protection.
- 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