Bengaluru : Star Health and Allied Insurance Company Limited (NSE: STARHEALTH; BSE: 543412), one of India’s leading standalone health insurance companies, has scaled ATOM PRO, its in-house AI-powered distribution platform, to make the health insurance buying journey faster, simpler and more transparent for customers. The platform enables agents and partners to help customers understand product features, rider benefits, waiting periods and premium pricing more clearly before they sign up.
ATOM PRO has crossed 1.8 lakh downloads and has enabled more than 95% of retail policies to be digitally booked. 80% of policies are issued within five minutes through the platform. For customers, this means a more guided buying experience, quicker policy issuance, fewer manual steps and better clarity at the point of purchase.
Anand Roy, Managing Director and Chief Executive Officer, Star Health and Allied Insurance, said:
“For customers, buying health insurance should not feel complex or time-consuming. They should be able to understand what a plan offers, compare relevant options, know the waiting periods and see accurate pricing before making a decision. ATOM PRO is helping our agents bring that clarity and speed into the purchase journey, while enabling to serve customers with greater confidence.
Its AI-led capabilities support guided selling, digital claims submission modules, helping customers receive products and services that are better aligned to their needs.”
This customer-first approach and the platform’s measurable business impact have also earned external recognition. In a significant recognition of its digital innovation, ATOM PRO has won the InsurTech Product Excellence Award at the ETBFSI FINEXT Awards 2026. ATOM PRO brings the full distribution process into a unified platform, covering lead management, product discovery, premium calculation, eligibility checks, payments, renewals, cross-sell and claims services.
Mukesh Sharma, Chief Digital and Technology Officer, Star Health Insurance, said:
“ATOM PRO was built in-house to give Star Health greater control over its technology, data and execution speed, with the customer experience at the centre. The platform is modular, API-first and designed for scale, enabling faster changes to product features, selling controls and business rules. This helps us respond faster to customer needs, make product journeys more intuitive and bring greater transparency into the buying process. As adoption deepens, ATOM PRO will remain a key foundation for building more responsive, data-led and customer-focused distribution capabilities.”
Built on a modular, API-first architecture with an omnichannel data and intelligence layer, ATOM PRO gives Star Health the flexibility to roll out product updates, implement regulatory changes and improve customer journeys faster. The platform has also supported digital claims adoption, with claims reimbursement submissions through digital channels rising from 8% to 21% and ATOM PRO contributing 17%.
The platform’s adoption comes at a time when India’s insurance industry is moving towards faster, digital-first journeys across purchase, servicing and claims. For Star Health, ATOM PRO is designed to combine distribution scale with greater speed, transparency and intelligence across customer-facing processes.
For agents and partners, ATOM PRO brings the entire sales cycle into one interface, from first contact to policy issuance and renewal. For customers, this means a more consistent experience across touchpoints, with agents able to surface relevant product options, explain benefits clearly and complete the purchase journey more efficiently.
Star Health is targeting full adoption across its active agent network within the next three months. The launch of ATOM PRO marks the next phase of the company’s digital journey, with a sharper focus on faster issuance, transparent buying, agent productivity and more consistent customer experiences.
With ATOM PRO, Star Health is building a stronger, more scalable and customer-focused distribution engine for the next phase of growth.
