Care Health Insurance Company Unlisted Shares
Care Health Insurance is a Delhi-based standalone health insurer that sells health, personal accident and travel cover. It booked gross direct premium of ₹8,31,825 lakh in FY25, almost all of it from health plans.
Read the full company profileCare Health Insurance Company share details
- Lot size
- 500 shares
- Min. investment
- ₹69,000
- Face value
- ₹10
- Implied market cap
- ₹13,873 Cr
- Shares outstanding
- 1,005,289,251
- ISIN
- INE119J01011
- CIN
- U66000DL2007PLC161503
- Lock-in after IPO
- 6 months
Care Health Insurance Company share price chart
Indicative off-market dealer quotes, not exchange prices. A flat stretch means the quote did not change on those days.
About Care Health Insurance Company
Strengths
- Gross direct premium grew from ₹6,86,446 lakh in FY24 to ₹8,31,825 lakh in FY25, a rise of about one-fifth, and the company's ratio schedule shows a growth rate of 0.21.
- Health is the focus of the business: ₹8,01,778 lakh of the ₹8,31,825 lakh gross direct premium in FY25 came from health plans.
- The company reports no borrowings in its balance sheet at 31 March 2025, so it carries no debt service burden.
- The available solvency margin ratio against the required level was 1.68 at 31 March 2025, as reported in the company's analytical ratios.
- The company stayed profitable in both years shown, with profit after tax of ₹30,490 lakh in FY24 and ₹15,518 lakh in FY25.
- Reinsurance cover of ₹1,82,928 lakh ceded in FY25 spreads part of the claims risk to reinsurers.
Risks
- Profit after tax almost halved, from ₹30,490 lakh in FY24 to ₹15,518 lakh in FY25, even as premium grew.
- Claims incurred rose from ₹3,07,427 lakh to ₹4,09,589 lakh, and net incurred claims to net earned premium moved from 0.58 to 0.65. Rising medical costs can keep pressure on margins.
- The combined ratio was 1.03 in FY25, meaning claims and expenses were higher than premium earned before investment income.
- Almost the whole premium comes from health insurance, so the company is exposed to medical inflation and any change in health-insurance rules.
- Statutory demands and liabilities in dispute and not provided for rose from ₹7,868 lakh to ₹19,871 lakh, and IRDAI imposed a penalty of ₹100 lakh.
- Religare Enterprises Limited and its group hold 83.94% of the company, so a few shareholders hold nearly all the control.
- The board saw changes in FY25: Dr. Rashmi Saluja was removed as Non Executive Chairperson on 29 March 2025 and two independent directors resigned.
- Unlisted shares are traded off the exchange, so the price is only indicative and it may be hard to find a buyer or seller.
Care Health Insurance Company financial performance
Revenue, profit and balance-sheet figures by fiscal year.
| Metric | FY25Latest | FY24 |
|---|---|---|
| Revenue (₹ Cr) | 6,724 | 5,681 |
| PAT (₹ Cr) | 155 | 305 |
| PAT Margin (%) | 2.31 | 5.37 |
| Total Assets (₹ Cr) | 2,372 | 2,198 |
Swipe the table sideways for earlier years →
Management team
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Care Health Insurance Company unlisted shares: common questions
Important disclaimer
Unlisted shares are not traded on stock exchanges. Prices shown are indicative and based on off-market transactions; they may differ from eventual listing or future market prices. Exit liquidity depends on counter-party availability. SEBI mandates a 6-month lock-in on pre-IPO shares post-listing. Gains held beyond 24 months are taxed at 12.5% LTCG (no indexation). IPO Guru is not a SEBI Registered Investment Advisor. Information here is for general awareness, not personalised investment advice. Please consult your tax advisor before investing.
