| Health Insurance | Retail and group health insurance policies covering hospitalizations, critical illnesses, wellness benefits. | Dominant market share, extensive hospital network, trusted brand, robust digital infrastructure. | Individuals, families, corporate groups, government health schemes (B2C, B2B, B2G). | Long-term policies and digital health products with lower administrative costs. | 15374 | 95 | Premium collections from policyholders, renewals, commissions from bancassurance channels. | Premium-based with tiered options for coverage amounts and duration. | Product innovation, expanding hospital network, digital channel growth, increased health awareness. | Star Health Insurance, Super Star Policy, Smart Health Pro |
| Personal Accident Insurance | Policies covering accidental injuries, disabilities, and death benefits. | Market reputation and cross-selling through health insurance customers. | Primarily individuals and corporates (B2C and B2B). | Customized packages with value-added services. | 147 | 1 | Premium collections from individual and corporate customers. | Fixed premium based on risk profiles. | Growing awareness of accident coverage needs. | Star Personal Accident Insurance |
| Others | Overseas travel insurance and miscellaneous insurance offerings. | | Travelers and families (B2C). | | 4 | 0 | Premiums and fees from travel and other insurance policies. | Premium-based depending on travel risk and duration. | Increasing outbound travel post-pandemic. | Travel Insurance and ancillary products |
