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Last updated on: May 20, 2025
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Read BioIt is 2025. It is one of the metropolitan, sound-polluted cities with the city name Mumbai, which is getting to know that the India health insurance industry has set a new record of increasing the recent nearly 10 crores of new policyholders in the past one year. According to IRDAI, nearly 37 crore Indians now have health insurance protection. This spectacular growth has made the health insurance stocks in India the subject of discussion this year by the large numbers of investors.
As more people are becoming aware of medical costs following the Covid situation, not only are the health insurers in India providing the desirable cover but even shareholders are getting a bountiful treat. When you are planning to invest in such a stock like health insurance in India in 2025, you should learn more about the sphere you are going to spend your money on, its leaders and recent trends, and challenges to invest successfully.
So, here is the snapshot of this rapidly evolving industry.
Any stocks of firms that are involved in health insurance, whether as clean health insurers or, as general insurers, with an extremely strong health bias can be referred to as
Stocks of health insurance. By the year 2025, the health insurance business would constitute nearly 35 percent to the total general insurance premium in India.
The health insurance stocks are claimed to be stable and extremely expandable. Medical inflation rate in India is growing at the rate of over 12 percent annually and this is why health insurance is necessary. In addition, further streaming of the policies is caused by its government schemes like Ayushman Bharat and mandated employee health insurance.
Did you know?
Based on stocks market chart of early 2025, it reveals that health insurance stocks have performed better than Nifty 50 index nearly by 12 percent when calculated by using rolling 3-year returns.
More Indians are purchasing health insurance policies each year due to the health awareness and the escalating levels of income. It directly translates into the advantage of health insurance companies, since their premium revenues are improved and the ratio of claims to premiums is under control.
Experts insights:
Mr. Arvind Godbole, senior insurance analyst, notes that “Digital innovation, IRDAI focus on transparency, and rising cumulative renewal premium make the sector a darling of long-term investors in 2025.”
| Company | Market Cap (Cr) | FY24 Premium Income (Cr) | Combined Ratio (%) | Five-Year CAGR | Claim Settlement Ratio |
|---|---|---|---|---|---|
| Star Health and Allied | 42,000 | 13,250 | 93.8 | 21 percent | 99.06 percent |
| ICICI Lombard General | 86,000 | 23,782 | 104.3 | 18 percent | 99.05 percent |
| Niva Bupa Health | Unlisted | 5,608 | 104.6 | 25 percent | 96.99 percent |
| New India Assurance | 25,500 | 33,596 | 117.7 | 8 percent | 98.72 percent |
Did you not know?
STAR Health IPO in late 2021 was the largest insurance IPO in India in the same year. Since that time, the industry experienced an increase in the number of investors interested in it.
Star Health and ICICI Lombard are among the listed players that enjoy investor preference in 2025, because:
Family Floater and Senior Citizen Policy growth
Digital First Distribution
Digital Health Startup www Partnerships
Insider insight:
The integration of APIs and fintech with health insurance companies is enabling health insurance providers to attract younger, high-tech buyers in tier-2 cities, says Priya Nambiar, Insurtech Consultant.
When purchasing the stocks of health insurance companies one requires a Demat and trading account to a registered stock broker to purchase the health insurance company shares.
However, in case you are in need of purchasing a health insurance cover to directly enjoy the growth in the sector as a consumer, you can compare different health policies and file online.
Little did you know?
In 2024, more than 50 lakh health policies were purchased through online insurance exchanges such as fincover.com, thus becoming the choice of most Indians to buy online policies.
The healthcare insurance sector is set to sustain its yearly avenues of growth at a rate of 15-20 percent up to 2030. The stocks of health insurance will perform better than other diversified indices since demand is going up and recurring revenues are high.
Historical returns (2019-2024):
According to analysts, there are a few solid tailwinds that health insurance companies will be having in the coming five years:
Did you know?
Health records can be digital ported through National Health Stack by Government of India will enable growth in insurance among the digital native population.
What is the most decent health insurance stock to purchase in India in 2025?
The market leaders having healthy fundamentals and premium growth are Star Health and ICICI Lombard. But it is always advisable to analyze yourself or a SEBI registered adviser.
Long term investment is safe in health insurance sector?
Yes, the sector is relatively safe because of the regularity in its premium earnings and the growing demand. However, every stock contains some risk in the market.
What are the procedures involved in obtaining health insurance policy online?
All you have to do is just visit the fincover.com site, compare policy features and apply by filling in your details and making payment immediately. Policy will be provided to your email.
Are health insurance companies dividend paying?
A good number of health insurance stocks in India, including ICICI Lombard, do pay dividends, which is calculated on a yearly basis depending on profit.
Do India have any health and insurance mutuals funds?
Sure, there are a number of mutual funds and ETFs which now invest in healthcare and insurance stocks and provide an investor with the diversified access to them.
What is the difference between health insurance stocks and life insurance stocks?
Health insurance companies concentrate on insurance coverage and settlement claims whereas the life insurance firms earn through the long term savings and insurance products. They have different risk and revenue models.
Are health insurers going to be listed more in India in 2026?
Yes, as the size of the market continues to swell, other players such as Niva Bupa and HDFC Ergo may introduce IPOs in the near future bringing more options to the table of investors.
Socket these only fundamental facts, trends, and threats, investors can make knowledgeable decisions in the future of health insurance stocks in India and whether this sunrise industry will go on an upswing in 2025. Knowledge investment does always yield improved outcomes no matter you want to play safe through stock market and gain substantial growth, or it is health insurance policies that you want to invest in and ensure financial protection amidst the kindred.
How could we improve this article?
Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.
The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.
This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.
Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).
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