Star Health Insurance Agent Commission Chart 2026

An online tool for figuring out the premium for a Star Health insurance policy is the Star Health insurance premium calculator. After comparing the premiums of several plans, clients can identify the best health insurance plan for their requirements. So, see below the Star Health Insurance agent commission chart 2026.

Star Health Agent Commission Chart 2026 PDF Free Download

How to Become a Star Health Insurance Agent in India:

If you want to become a Star Health Insurance Agent/Insurance Advisor, the process is fairly straightforward, but it involves KYC/document verification, training, and the IRDAI IC-38 insurance advisor examination before Star Health issues your agent code.

Minimum Education:

10th standard/pass is the minimum educational qualification stated on its onboarding page.

You should also satisfy the applicable regulatory requirements for appointment as an insurance agent.

Documents Required:

According to Star Health’s current published onboarding process, you need to upload/submit documents including:

1. PAN Card
2. Aadhaar Card
3. Digital Signature
4. Passport-size photograph
5. NEFT details / cancelled cheque
6. Educational certificate minimum 10th grade
7. Form 1A
8. MIS form

Submit your Application and Documents:

Star Health’s published onboarding procedure directs candidates to the AEMS portal for uploading the required documents.

AEMS is used for the agent onboarding process and related documentation.

You will need to provide the required KYC and educational documents.

Make sure:

• Your name is consistent across documents.
• PAN details are correct.
• Aadhaar details are correct.
• Your bank account is active.
• Your photograph is clear.
• Your educational certificate is legible.

Incorrect information can cause verification delays.

Fill 1A and the MIS Form:

Star Health’s current process says that candidates should:

1. Download Form 1A.
2. Obtain the MIS form from the nearest Star Health branch.
3. Complete both forms.
4. Submit them to the same branch.

There is also an official Star Health Form I-B application for appointment as an insurance agent, which requests details such as name, address, educational qualifications, PAN, and information about the pre-recruitment examination.

Because forms and procedures can be updated, always use the forms provided through the current Star Health onboarding process rather than an old PDF downloaded from an unrelated website.

Application Scrutiny and Verification:

After you submit the documents and forms, Star Health says your application goes through:

Only after successful verification does the training stage commence.

At this stage, make sure you respond promptly if the company asks for:

• Additional documents
• Corrected documents
• Clarifications
• KYC information
• Educational proof
• Bank information

Complete Star Health Training:

After verification, Star Health provides the required training module.

The company’s current onboarding page says the training module is provided in audio format as well, allowing visually impaired candidates to complete the training at their own pace.

You should take the training seriously because it prepares you for both the examination and your future work.

IC-38 examination:

This is one of the most important stages.

Star Health’s current onboarding instructions state that after completion of training and issuance of the training certificate, its business-codes team generates the URN and Batch ID and schedules the candidate for the IRDAI IC38 Insurance Advisor Examination.

How Much Commission Do Star Health Insurance Agents Make?

Star Health insurance agents earn commission rather than a fixed salary. The exact rate can vary according to the agent’s category, business performance, and the company’s applicable remuneration structure. Star Health’s published commission states that renewal commission can be 15% for agents with ICR below 85%, and up to 10% where ICR is above 85%.

For illustration, using a 15% first-year commission assumption and the published 15% renewal rate:

Policy premium	First-year commission	Renewal commission*
₹10,000	₹1,500	₹1,500
₹25,000	₹3,750	₹3,750
₹50,000	₹7,500	₹7,500

Therefore, an agent selling ₹1 lakh of eligible fresh premium at a 15% rate would generate ₹15,000 in first-year commission. If that business renews and the agent remains eligible for 15% renewal commission, another ₹15,000 could be payable on the ₹1 lakh renewal premium.

Star Health Insurance Agent Commission Chart 2026: 

Quality in policy writing has always been a priority for Star Health. We have made care to offer additional commission to agents with lower ICR percentages since we think that agents are crucial in risk selection (for example, an agent at Chairman Club with ICR

Chairman club agents with ICRs greater than 75% are eligible for a commission of just 32%, while those with ICRs up to 60% are eligible for a Star Health insurance agent commission of 35%.

As of February 2026, Star Health and Allied Insurance Co. Ltd. has structured its agent commissions to reward performance and policy quality. The Star Health insurance agent commission rates are influenced by the agent’s club membership and the Incurred Claims Ratio (ICR). See below the Star Health Agent commission chart.

Star Health Insurance Agent Commission Structure:

Agents are categorized into various clubs based on their business performance. The Star Health agent commission percentages vary accordingly. See the Star Health Commission structure below.

Club Membership	Maximum Commission Rate
Chairman Elite Gold Club	Up to 40%
Chairman Club	32% – 35%
Managing Director (MD) Club	30%

Note: The exact commission within the Chairman Club depends on the agent’s ICR. For instance, an ICR up to 60% qualifies for a 35% commission, while an ICR above 75% qualifies for a 32% commission.

Key Factors Influencing Commissions:

• Incurred Claims Ratio (ICR): Agents with lower ICRs are rewarded with higher commissions, emphasizing the importance of quality underwriting.
• Performance Review: Agent performance is reviewed quarterly. Maintaining or upgrading club status depends on meeting specific business targets.

For new agents, Star Health designates them as “Rising Stars,” providing a clear pathway for progression based on performance.

Star Health Leads in Commission Payouts

Star Health & Allied Insurance paid ₹2,115.68 crore in commissions between April and December 2025, the highest among the health and general insurers covered in Cafemutual’s analysis of public disclosures. Care Health Insurance ranked second with ₹1,470.12 crore, followed by Niva Bupa Health Insurance at ₹1,271.12 crore.

The figures highlight Star Health’s significant investment in its distribution network, including insurance agents and other intermediaries.

Agent vs POSP: Which Is Better for Star Health Insurance?

Star Health Insurance offers an agent onboarding route, while a Point of Sale Person (POSP) generally works under an insurer or an authorised intermediary to sell eligible, specified insurance products. The key differences are training, product eligibility, and remuneration.

Comparison	Star Health Insurance Agent	POSP (Point of Sale Person)
Training hours	Pre-recruitment training as required for agent appointment, followed by the IC-38 examination process. Confirm the current training duration with Star Health.	Generally, 15 hours of prescribed in-house training for the applicable general/health insurance POSP framework, followed by an examination.
Products allowed	Can sell eligible Star Health insurance products within the scope of the agent’s appointment.	Restricted to products specifically permitted under the applicable POSP rules and the approved product list.
How payment works	Earns commission according to Star Health’s applicable remuneration structure. Rates may vary by product, business performance, and eligibility for incentives or renewals.	Receives remuneration under the terms set by the appointing insurer or intermediary. Payment arrangements can vary; intermediary-appointed POSPs may be paid through the intermediary.
Appointment	Appointed by Star Health after document verification, training, and the required examination.	Appointed by an eligible insurer or intermediary after completing the prescribed requirements.
Selling flexibility	Broader scope within the insurer’s authorised product range.	More limited scope, focused on eligible point-of-sale products.

Which should you choose? Becoming a Star Health agent may suit someone who wants to build a longer-term insurance sales business, while the POSP route may suit someone seeking a more focused entry into selling eligible insurance products.

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