BEST Health Insurance in India in 2024 | Top 6 Health Insurance Plans in 2024 | Gurleen Kaur Tikku

[@GurleenKaurTikku]

✅ To buy insurance policies, click here - hareepatti.com/contact-us/

[@ankitabhattacharjee8661]

Which will be a good option for patient with epilepsy?

[@i2mwealthy667]

Care freedom plan if any disease

[@harryrs007pl]

Thank you so much. Great, valuable & comprehensive information. Appreciate your efforts. I have a few requests for more knowledge, if you can (that may even increase your market capture): 1. Please make a detailed video for different government (public sector) health schemes and/or bima yojnas. Especially, the low class families are really suffering due to lack of knowledge on these topics. My own home workers don't have insurances, and keep asking money for health issues. 2. Please make another video, while comparing these public sector plans with private sector plans.

[@GurleenKaurTikku]

Noted, we will bring up a video soon!

[@fatemarexinewala]

This is by far the best video I have found, includes all 3 plans that I was researching. You really made it simple and easy for me. God bless you Gurleen ji.

[@GurleenKaurTikku]

Glad it was helpful, keep watching & do subscribe for more such informative content !

[@abhaykumarsingh7754]

GONE THROUGH YOUR VIDEO . TABLER PRESENTATION WITH PPT WOULD HAVE BEEN MORE IMPACT FULL. IT MIGHT NOT BE EASY FOR COMMON PEOPLE LIKE US TO GRASP THE TEACHING IN ONE GO. IT IS VERY DESCRIPTIVE. GREAT

[@GurleenKaurTikku]

Thank you so much jee, keep watching for more such informative content.

[@harshtak91]

Hello Ma’am does HDFC Ergo Optima Secure plan cover critical illness also. It states they cover E-opinion for 51 Critical Illnesses but do they cover treatment of those 51 CI also????

[@joereadsx1]

Hi. How can now we know the correct Claim and Amount Settlement Ratios of these insurance companies, now that IRDAI skipped these details from its latest annual report?

[@niravshah9411]

Which one is best during claim settlement

[@snehlatamishra1522]

Pre(Before)Hospitlization, (admit position) Hospitlization, Post(After)hospitlization, tino riskj cover ho yesa plan chahiy . 😮

[@GurleenKaurTikku]

Pre & post hospitalisation is covered in most of the plans. But Pre & Post Hospitalisation is only on Reimbursement basis. Whereas Hospitalisation is on Cashless basis.

[@SandeepSharma-pt3bq]

Very detailed and comprehensive review. Thank you so much Mam for sharing this valuable information. Indebted.

[@GurleenKaurTikku]

Thank you jee, keep watching !

[@utkarshp2819]

I have indivisual hdfc ergo optima but its premium us high so should i port to care etc or continue with hdfc pls tell

[@GurleenKaurTikku]

It depends on your requirements & medical history. You can connect with our team on WhatsApp/Call at 9650706699 or [e-mail] We will be happy to assist you.

[@JeraldCastelino]

Good content . May be check for small correction. 10.08 time, star health gives 25% only first year there after 10%

[@GurleenKaurTikku]

Okay, Thanks for correcting us.

[@varughesemathew7950]

Madam please talk Hidden Conditions of Health Insurance Companies and how they Reject a Claim ?

[@GurleenKaurTikku]

Yes, we already have a video on the same : kzbin.info/www/bejne/iJaToZR7hK6tra8si=O6O5mAtck40H-KZ6

[@nithinsayon]

Hello mam , I am NITHIN (27) , back in 2018 I was diagnosed with T-cell leukaemia (cancer), and my treatment was completed in 2020 (including tablets). Now (2024) I am cancer free for more than three years and now I am planning to by health insurance , SHOULD I MENTION PRE-EXISTING CONDITION ? Will I be insured.

[@krishn7513]

Previous There is a health record on your name in x hospital so better to tell them and ask for medical checkup before giving policy so 👍🏻

[@wasimmomin2063]

Ma'am what about Bajaj Allienze health insurance compony, is it good to buy its policy ? plz reply

[@GurleenKaurTikku]

Hello jee, we don't have first hand experience with the company so can't comment on the services particularly.

[@D_D2016]

Care is better

[@raviwaroshe7764]

Hi madam Star health assured insurance plan policy cancel kar sakte he kya. Amount refunded hota he kya

[@GurleenKaurTikku]

Depends when you are cancelling the policy.

[@alarksingh]

Is it a good idea to hold back to buy health insurance as there was new of government thinking on reducing the gst from 18%. Pls give honest advise.

[@GurleenKaurTikku]

Hello jee, you should never delay your decision of buying the Health Insurance as medical inflation is rising daily. You can connect with our team on WhatsApp/Call at 9650706699. They will assist you with a few suitable options. or fill this form , click here - hareepatti.com/contact-us/

[@alarksingh]

@@GurleenKaurTikku that's right. But still whats your take or understanding on the relaxation of the GST ok the insurances from current levels of 18%

[@SumitKumar12191]

Ma'am after purchasing niva Health insurance , how many days we can claim ? ( Minimum days required)

[@akshayakki3437]

after frst claim settled

[@atuldeore4168]

bhai jab aapko jarurat padegi neva bupa aapko kabhi claim settled hi nahi kregi Aapko different different reasons deke claim denied kiya jayega

[@maheshmestry5371]

What policy can I take if I have undergone angioplasty?

[@heenasharma7482]

Niva reassure 2.0 or care supreme ? Which is good for couple?

[@GurleenKaurTikku]

Hello jee, please connect with us on WhatsApp/Call at 9650706699. Our team can assist you with some suitable options.

[@Ujjaltalkies]

Niva Bupa Aspire plan is the best

[@satyanarayana1739]

Please suggest the policy which provides the opd services

[@GurleenKaurTikku]

You can connect with our team on WhatsApp/Call at 9650706699. or fill this form , click here - hareepatti.com/contact-us/

[@paulsubhajit9405]

Ma’am StarHealth Insurance is good for good claim?

[@GurleenKaurTikku]

We haven't had first hand experience with STAR HEALTH yet, so can't comment on the claim process.

[@vishnumalgaonkar4223]

Madam please make video on different Banks Group Health Policies which premiums are more less than these reguler health policies.e.g. Bank of Baroda, PNB etc.

[@ravindrajoshi5246]

Very useful excellent analytical review

[@GurleenKaurTikku]

Glad it was helpful, Keep watching !

[@digitalhut9917]

It would be good to compare private sector insurance with public sector insurance. Or just comparing public sector insurances would be great.

[@GurleenKaurTikku]

Thanks for the video suggestion. We will try to bring up a video soon 😊

[@kailatvaidyanathan1288]

What is the best insurance for Super senior citizens. Thanks

[@GurleenKaurTikku]

Hello jee, Please connect with us on WhatsApp/Call at 9650706699. Our team can assist you with a few suitable options. Thank you 😊

[@jaushalparekh4939]

I am working with Govt. Insurance Co. Ma'am l think you highly appreciated private health insurance rather than PSUs. PSUs are selling health insurance since 1995/96. Private insurance have just 15/17 yrs. Let's see.....

[@jaychavan4366]

Aapka contact number mil sakta hai sir?

[@rakeshjain]

Psu ka premium apne compare kiya? Ae feature k Naam pe kuch nhi😂. Aur upar claim process me itne natak. Sarkari naukar itne attitude me rehte hai jaise customer koi bheekari ho.

[@Ujjaltalkies]

Take a private company insurance apart from that with all facilities provided company plan like Niva Bupa Aspire plan

[@dineshchadha6882]

All plans of all companies seem good on the face of it. The big question is - how and which plan should one opt for??? This video does not seem to address the confusion in a client’s mind. Pls take my comment as a suggestion only.

[@GurleenKaurTikku]

Thank you for the feedback. Choosing a suitable plan completely depend on your requirements & medical history. For more guidance on the same, feel free to connect with us on WhatsApp/Call at 9650706699.

[@hemantachoudhury2036]

Which is best,.care supreme or niva Bupa reassure 2.0 platinum

[@GurleenKaurTikku]

It depends on your requirements & medical history. For any assistance, feel free to connect with our team on WhatsApp/Call at 9650706699. oUr team can suggest you the most suitable plan.

[@Ujjaltalkies]

Niva Bupa Aspire plan

[@renukumari-i4z]

GREAT JOB MAM, YOU RESOLVED MY ALL QUERIES.. I HAVE HDFC ERGO OPTIMA RESTORE , SHOULD I SWITCH TO OPTIMA SECURE ...PLZ REPLY

[@GurleenKaurTikku]

Hello jee, please connect with us on WhatsApp/Call at 9650706699. Our team can assist you with a few suitable options as per your requirements.

[@kingamitin]

Kya koi Bata sakta hai Policybazaar se insurance karna sahi hai ya galat? Mam please make video on this

[@piyushbhandari31]

Koi issue nahi hai, go ahead, they help whenever is needed

[@GurleenKaurTikku]

jee, we can't comment on the services of any online intermediary as everyone has different experience with the company. We always suggest to buy through an experienced insurance agent.

[@piyushbhandari31]

@kingamitin Gurleen Ma'am se insurance lene ka bhi aacha option hai aapke pass...

[@GurleenKaurTikku]

@@piyushbhandari31 We are always happy to help 😊

[@deepaksharma-uf9by]

Ma'am apse policy lene ke liye kaha sampark kare

[@manikantamore1651]

Valuable information. Thanks for explaining in detail

[@GurleenKaurTikku]

Glad it was helpful, keep watching !

[@nikhil7377]

Hi @GurleenKaurTikku, I want to take a health policy for my father who is having pre-existing disease like Diabetes taking insulin shots and BP, Thyroid. Could you please guide which policy is benefited for him. Age is approx 63 years

[@GurleenKaurTikku]

Hello jee, you can connect with us on WhatsApp/Call at 9650706699. Our team can assist you with a few suitable options.

[@venkatareddy8165]

I am in star family health optima, want migrate to some other policy can u suggest me the best one

[@GurleenKaurTikku]

Hello jee, you can connect with us on WhatsApp/Call at 9650706699. Our team can assist you according to your requirements & medical history. Thank you 😊

[@varughesemathew7950]

Please Talk about Tata AIG Health Insurance also.Many people recomend me for Tata AIG Health Insurance treat clients Fair

[@GurleenKaurTikku]

Yes, we will bring up a video soon. Keep watching !

[@sureshv7724]

Madam,.Aditya Birla group Health Insurance can it be converted into individual policy with continuity benefits.

[@GurleenKaurTikku]

As per new IRDAI master circular , it can now be converted. Please check this video : kzbin.info/www/bejne/gJrbhZqPm7WpZ8ksi=RoGV8JOXtO9X9Rp8

[@YadaiahKummari-c3x]

Thank you ma'am, great information, iam working in care health insurance .

[@GurleenKaurTikku]

Keep Watching for more such informative content 😊

[@Rupeshkumar-ky9jp]

Is health insurance for only 3 year if I purchase any health insurance??

[@kovidgajavelly2221]

Is co-pay applicable for star health assure policy when entered at 58 years but during/after renewal at age 61?

[@sunj6417]

Mam you are not giving advice for 4 General insurance companies because I own one of that since last 15 many years. Can I request you to consider in the comparison?

[@GurleenKaurTikku]

Sure, we will bring up a comparison soon.

[@jaushalparekh4939]

PSUs are more trust worthy in claim management than private insurance company. Especially The New India Assurance Co Ltd.

[@GSJ0100]

LOL...

[@Mohits1986]

After watching this vedio...my question to you .. which is the best one ..and trust worthy

[@vinaymadavi8765]

Go for HDFC ERGO

[@suyagyakumarrai5249]

Nice video. Very informative. Thanks for making such videos.

[@GurleenKaurTikku]

Thanks a lot, keep watching !

[@JustChill76]

Thanks a lot Kaurji. Awesome video.❤❤ Can we migrate from one Insurance Company to another Compy

[@xianmediatv5112]

Any health insurance gives coverage for Hernia surgery without waiting period?

[@sgAk1441973]

Ma'am which health plan is best for heart and diabetes patients

[@meenakshikiduniya4336]

Care supreme plan is best

[@meenakshikiduniya4336]

I am working in care health insurance as a agency Maneger contact me👍🏼

[@pratiksheth6574]

Madam manipalcigna, care & hdfc me se konsa insurance best he

[@GurleenKaurTikku]

Hello jee, Please connect with us on WhatsApp/Call at 9650706699 . Our team can assist you with a few suitable options according to your requirements. Thank you 😊

[@akshay922]

Hi make video about ICICI health 360 shield which is provided for ICICI customer is it good

[@goutambasu7331]

Madam can I port a retail health policy to bank customized health policy?

[@tapasranjansanyal8718]

Is there any Co-payment in Policy Premium above 65 years in Star Assure please reply.

[@dharmendrasahoo7942]

Hi Madam, Thanks for the very informative video, it would more better if you have add the clain settlement ratio also...

[@GurleenKaurTikku]

Noted !! Thank you & keep watching !

[@mehulhemani2896]

Good morning Madam, nicely covered, which is the best policy to take ,niva Bupa or star assure

[@GurleenKaurTikku]

Thank you jee 😊 Best policy depends on your requirements & medical history. Please connect with us on WhatsApp/Call at 9650706699 . Our team can assist you with a few suitable options according to your requirements.

[@ghewda]

Dono hi sahi nahi hai. Aap Aditya birla ki Active one ya active fit le lo, Acko se le lo ya fir Manipal Cigna ki prime le lo.

[@noobblogger8997]

​@@ghewda niva bupa mai kya kharabi hai sir? Mai lene ki soch raha tha

[@ssrk369]

Anyone knows which is best if we need 1-2 yr pre existing condition, I had a minor surgery in 2014 will it be considered as pre existing condition

[@anandasonar3909]

Is cancer covered in both policy specially care?

[@meenabisht2688]

Ma'am which is the policy for maternity after 1year

[@meenakshikiduniya4336]

Go for care health insurance

[@GurleenKaurTikku]

Hello jee, Please connect with us on WhatsApp/Call at 9650706699 . Our team can assist you with a few suitable options according to your requirements. Thank you 😊

[@pritampradhan3422]

Star health assure plan room rent-1% of SI or max 20k till 50L SI

[@Ujjaltalkies]

Change the plan go with the best

[@neetasharma1905]

Mam please suggest health insurance plan for Sr citizen (2)aged 68 years and 63 years . One of us has thyroid ( pre-existing ). For Cover - ₹10,00,000/-

[@GurleenKaurTikku]

Hello jee, Please connect with us on WhatsApp/Call at 9650706699. Our team can assist you with a few suitable plans.

[@sandeeproshan3216]

Thanks for explaining the comparison between all top medical policies .. i was really looking for the same .. someone to explain the top 5 companies in one slide ..

[@bheemshankar_pk]

Hi Ma'am ,my wife is 1 moth old pregnant which policy i have to take to cover for maternity??

[@GurleenKaurTikku]

No policy can be issued now as there are certain waiting periods in maternity

[@yogendersingh6480]

Thank you mam for the explanation

[@GurleenKaurTikku]

Thanks a lot, keep watching !!

[@brandonarchiekuzur8957]

Hi Gurleen, Is Tata Aig Medicare not in the top 3. Could you mention why it has not qualified for this list. Also a video on government health insurance would be great as there is not much content or understanding of the same. Thank you

[@abhijitkundu4842]

Paid. Tata aig is best in claims. Doesn't hide charges too

[@junkentrepreneur201]

Very helpful video such videos are necessary, but only one concern is I think you should simplify the insurance jargons in a more simplified manner, at times it gets really heavy to understand. Just think a bit for your Target audience. Other than that really a helpful piece of information ✨

[@GurleenKaurTikku]

Thank you for the feedback, we will try to inculcate in our future videos.

[@maheshganapaneni4567]

If I take health insurance today from when will this Health Insurance will be eligible.

[@GurleenKaurTikku]

after 30 days you purchase the policy, you can claim .

[@anupamsaha1683]

Madam can you highlight the co payment of star assure policy after 61 years.

[@rupenparmar9574]

TATA AIG BEST AND TRUSTED HAIN JISKA ZIKRA BHI NAHI KIYA

[@GurleenKaurTikku]

It can from person to person as per their needs & requirements. for us , these have been the Top 6 plans. It's always preferred to choose a plan depending on your requirements.

[@pearks4994]

MAM PLS SUGGEST BEST PLAN AMONG ALL THE SIX COMPANIES FOR FAMILY

[@GurleenKaurTikku]

Hello jee, You can connect with us on WhatsApp/Call at 9650706699. Our team can assist you with a few suitable options according to your requirements. Thank you !

[@pratikraval9241]

Thank you mam for clarity

[@GurleenKaurTikku]

Thank you, keep watching !

[@Mentor2177]

My question regarding waiting period for example i have pre existing deases snd take 3 year waiting plan after 2 year i change this policy to other this policy will consider my earlier policy two year waiting period or again i start from zero in terms of waiting period???😮

[@Shamshad_sheikh]

You have to start from initial if you port in other company

[@Jagddis]

you don't need to wait from start

[@vinodbawake3079]

which insurance is best for family and include under 9 month of maternity expanses ?

[@bachelors_lifestyle]

Minimum waiting period is 1 year in star health woman care policy

[@bkrajputinfotalk8590]

Reliance infinity insurance lena chahiye ya nahi ?

[@GurleenKaurTikku]

Depend on your requirements & health conditions. For any queries, we are available on WhatsApp/Call at 9650706699. our team can assist you with a few suitable options.

[@oy2651]

Any policy hai jisme zone co pay or zone caping clam ke time nahi lagta hai ?

[@sreemolr695]

Which isurer is best mam

[@GurleenKaurTikku]

Hello jee, it depends on your medical history & requirements from the plan. For any queries, we are available on WhatsApp/Call at 9650706699. Our team can assist you !

[@vipinverma85274]

Nic video thanc mam

[@GurleenKaurTikku]

Thank you jee., keep watching !

[@gFG1273]

Ma’am apka pass kon sa Company ka Health claim policy ha

[@GurleenKaurTikku]

Niva Bupa

[@Arya-d5n]

Hi,Aap mughe government based health insurance plan bata sakte hain?

[@GurleenKaurTikku]

jee, we will bring up a video soon.

[@nilanjanacharjee633]

Madam pls tell me. Care insurance ka claim settlement konsa hai, inhouse or TPA???

[@ghewda]

Galati se bhi care se policy mat lena. Claim ke time khun ke aansu nikal denge.

[@trnswamy]

​@@ghewdaI have care Supreme policy but never made any claim. Why do you say, never take care policy?

[@conred1401]

Inhouse

[@shubhampandey-du4vv]

Two Queries 1. To buy a healthy insurance, what will better for us to procure through broker or to procure through particular policy website, please suggest. 2. Single word answer to be needed - HDFC or Icici Lombard As per your opinion which one is the best Need your guidance and cut to cut answer as a suggestion 🙏👍👍👍

[@ritnagpal]

Mam ek reply urgent mere pass niva bupa health companion plan he since 2020 se ise kya me care health insurance me port karwa du kya ye best he mere lia premium bhe low ho

[@Ujjaltalkies]

Niva Bupa low premium but best facility provides

[@Ajay0374]

Niva bupa me eye retina problem cover hoti hai kya injection lagne hote hai police 6 to7 year old hai

[@96729]

जबरदस्त जानकारी दी गई हैं और वह भी एक ही वीडियो के माध्यम से

[@ravi40700]

My question meri policy niva bupa reassure 3 year ki hai policy hai 1 sal ho gya kya me aspire plan me ja sakta hu

[@ronthomasbethel]

No you can change only next year

[@prafulligawe443]

@GurleenKaurTikku OPD cover sach mein benifit milta hai kya? I am planning for Niva bupa insurance.

[@TheSouryan]

Mam, my mother is 46 years old. She has also diebetes but not severe and hospitalized before. She just taking normal medications for diebetes. Also this year she purchased "STAR HEALTH ASSURED" 3 year plan ..... So was it a good move ? Is it effective after 3 years in case of any medical need ...... please guide me

[@kalyanmishra6650]

Yes

[@aman-arora6660]

If your mother has mentioned about diabetes then it will be covered after completion of 3 years. But if not mentioned and discovered by company at the time of claim then your claim will be rejected and policy can be also cancelled due to non disclosure of fact. If not mentioned, contact you advisor and mention right now.

[@shivarajvet2156]

Thanks madam useful information but priemium yearly once but i want monthly premium can available please suggest me medam

[@mohammedhanif3843]

Use credit card & convert it to EMI.

[@Praveenyadu01]

Very nicely explained ❤

[@GurleenKaurTikku]

Thanks a lot 😊

[@vipulgarg5886]

Thanks mam for valuable information provide

[@GurleenKaurTikku]

Thank you, keep watching !

[@sangan73]

Hi Gurleen mam this is my second query and thanks for replying to my previous query now my friend wanted to port from United to niva Bupa reassure but policy was denied saying that the weight of primary member is 120 so please guide kis policy mein port karen

[@sukantchakraborty7104]

Nice explanation.

[@GurleenKaurTikku]

Glad it was helpful, keep watching 😊

[@shivmurtiupadhyay5359]

Bahut confusion hai kon sa lu ..varanasi se..family ka lena hai

[@GurleenKaurTikku]

Hello jee, Please connect with us on WhatsApp/Call at 9650706699. Our team can assist you with a few suitable options.

[@deepakranjan2507]

Mam ji helth insurance lene k kitne din baad paise k cover dete h aur 30 day bolte h agar wske baad koi gamver bimari ho t cover denge k nahi

[@GurleenKaurTikku]

Yes, there is always an initial waiting period of 30 days.

[@sangan73]

Hi Mam reassure 2.0 mein cataract surgery ke liye kitna claim milta hai, mujhe 99000 ka package diya hai hospital me aur bataya hai ki cashless nahi hai reimbursement lena hoga,toh aap please bataye ki kitna milega,lense ki cost hai 75 k package mein

[@CodMobileMumbai_Indian]

Monthly premiums claim kab se available hota hai. Pls 🙏

[@soumyajitpurkait785]

Mam, Which is the best posiises for hypertension/High BP patient?

[@GurleenKaurTikku]

Hello jee, please connect with us on WhatsApp/Call at 9650706699. Our team can assist you with a few suitable options as per your requirements.

[@Amit24ku]

Maine hdfc optima secure health insurance floter plan liya hai lekin iska premium bahut jyada hai kya mera policy aditya birla capital me convert ho sakta hai

[@dharmendrasinghdhurvey820]

Manipal cigna lifetime health family floater ko ek baar compare krke dekhiye mene liya hai.

[@Amit24ku]

@@dharmendrasinghdhurvey820 ok

[@avijitpaul2232]

Icici elevate yea phir care supreme konsa company Sahi hai.care ka feedback kaisa hain

[@GurleenKaurTikku]

Hello jee, it depends on your requirements & medical history. You can connect with our team on WhatsApp/Call at 9650706699. They can assist you with a few suitable option. or fill this form , click here - hareepatti.com/contact-us/

[@rahulg3360]

hi, please suggest me an individual health insurance plan, health coverage upto 10 lakh and premium budget of Rs 8,000

[@GurleenKaurTikku]

Hello jee, please connect with us on WhatsApp/Call at 9650706699 . Our team can assist you with a few suitable options.

[@pankajkumar-me1ry]

Me & my wife are secured under HDFC Ergo's Sarv Suraksha plan. I want to add maternity benefits at the time of renewal. Please guide on how to proceed?

[@GurleenKaurTikku]

You can connect with the HDFC ERGO health insurance customer care or drop a mail as well. You can take help from your insurance agent as well.

[@reviewsforsure]

Hi Gurleen Ji can you guide us if any of these policy cover OPD consultation

[@prakash5148]

I have star family optima insurance 3 yes old. Is maternity covered?

[@AvisekChakrabortydbeast]

No

[@viswar2203]

Thank you Mam for the great info. I took the care health insurance policy and continuing it for 5 years. I read the quora review. Many people are disappointed with rejection ratio and heard the customer care service is very poor and they will take nearly one month to repond to the query. Did the care health is not good in the case of settlement and customer care support?

[@GurleenKaurTikku]

Hi, Thank you for following our content & finding it informative. For care health insurance, we won't be able to talk about claim settlement as we don't have any first hand experience with the brand yet. If you still have any doubts & wish to port, feel free to connect with our team on whatsapp/call at 9650706699.

[@ppawandesi]

Very nicely explain mam, , ,mam kya pnb bank se star health ki policy karwana theek rahega, , bank se karwane mei koi dikkat to nahin hoti, , pls reply kijiyega, ,

[@omdagar5102]

Dikkat hoti Hai.. bhut limit hoti hai

[@ppawandesi]

Kaisi dikkat Bhai

[@sanketmohapatra4590]

Ma'am there are some mistakes with Aditya Birla Activ One plan, with vytl plan it is 50% every year max 100% and with max plan it is 100% every year max 500% and irrespective of claims.

[@GluedGaming]

Rightly pointed