Bangladesh's Mehidy Hasan Miraz, second left, starred with ball and bat against Afghanistan in their World Cup match in Dharamsala on Saturday, October 7, 2023. AP
Bangladesh's Mehidy Hasan Miraz, second left, starred with ball and bat against Afghanistan in their World Cup match in Dharamsala on Saturday, October 7, 2023. AP
Bangladesh's Mehidy Hasan Miraz, second left, starred with ball and bat against Afghanistan in their World Cup match in Dharamsala on Saturday, October 7, 2023. AP
Bangladesh's Mehidy Hasan Miraz, second left, starred with ball and bat against Afghanistan in their World Cup match in Dharamsala on Saturday, October 7, 2023. AP

Dharamsala outfield raises concern for remaining Cricket World Cup 2023 matches


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The outfield at the Dharamsala Stadium was the main talking point on Saturday after Bangladesh eased to a six-wicket win over Afghanistan in the 2023 World Cup.

All-rounder Mehidy Hasan Miraz scored a half-century and took three wickets to secure victory but it was the poor state of the outfield that raised concerns about player safety.

Bangladesh coach Jonathan Trott said spinner Mujeeb Ur Rehman was fortunate to escape without a serious injury after his left knee went into the sandy surface while diving.

The outfield sported a patchy look with heavy sand underneath, discouraging players from diving and sliding.

Trott said he did not feel qualified to "make an assessment" on whether the ground was fit to stage World Cup matches.

But the former England batsman added: "You've got players unsure of whether they can dive."

"And when you've got players worried about getting injured... we are lucky Mujeeb hasn't got a serious knee injury towards the end."

Mehidy accepted the outfield was "a little heavy", adding: "The ball wasn't travelling a lot. But you can't blame the outfield... you have to perform in every situation."

Dharamsala has endured outfield issues for a long time. Earlier this year, it lost the hosting rights for a Test against Australia after the playing field was deemed unfit. Then later in the year, the grass on the outfield was hit by a fungal infection.

The venue will host four more matches, with England, Netherlands, South Africa, India, New Zealand and Australia all set to play there.

In Saturday's match, Bangladesh captain Shakib Al Hasan put his side in the driving seat by claiming three key wickets, while Mehidy (3-25) mopped up the tail. Rahmanullah Gurbaz top-scored for Afghanistan with 47.

Mehidy then played a significant part in Bangladesh's reply with 57 off 73 balls as the 2015 quarter-finalists chased down their target of 157 in 34.4 overs.

"From the start (Afghanistan were 83-1) we didn't expect that," said Mehidy. "Shakib and me did very well. And the first few balls, we got a little bit of turn.

"And after that information was passed on by Shakib that the ball was turning. So, if you bowl on the right track, it might be good for a spinner and obviously for the pace bowlers also. So, we just discuss and think about how to bowl in these conditions."

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Commission caps

For life insurance products with a savings component, Peter Hodgins of Clyde & Co said different caps apply to the saving and protection elements:

• For the saving component, a cap of 4.5 per cent of the annualised premium per year (which may not exceed 90 per cent of the annualised premium over the policy term). 

• On the protection component, there is a cap  of 10 per cent of the annualised premium per year (which may not exceed 160 per cent of the annualised premium over the policy term).

• Indemnity commission, the amount of commission that can be advanced to a product salesperson, can be 50 per cent of the annualised premium for the first year or 50 per cent of the total commissions on the policy calculated. 

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Disclosure

Customers must now be provided with a full illustration of the product they are buying to ensure they understand the potential returns on savings products as well as the effects of any charges. There is also a “free-look” period of 30 days, where insurers must provide a full refund if the buyer wishes to cancel the policy.

“The illustration should provide for at least two scenarios to illustrate the performance of the product,” said Mr Hodgins. “All illustrations are required to be signed by the customer.”

Another illustration must outline surrender charges to ensure they understand the costs of exiting a fixed-term product early.

Illustrations must also be kept updatedand insurers must provide information on the top five investment funds available annually, including at least five years' performance data.

“This may be segregated based on the risk appetite of the customer (in which case, the top five funds for each segment must be provided),” said Mr Hodgins.

Product providers must also disclose the ratio of protection benefit to savings benefits. If a protection benefit ratio is less than 10 per cent "the product must carry a warning stating that it has limited or no protection benefit" Mr Hodgins added.

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Champions League last 16, first leg

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Updated: October 07, 2023, 4:22 PM`