Al Wahda’s Ismail Matar, left, fights for the ball against Al Wasl’s Ali Mahmoud.
Al Wahda’s Ismail Matar, left, fights for the ball against Al Wasl’s Ali Mahmoud.

Champions Al Wahda hit Al Wasl for four in Pro League



ABU DHABI // With much of their preparation and focus in the first half of the season on the Club World Cup in Abu Dhabi last December, Al Wahda were back in business with a clinical 4-0 demolition of Al Wasl last night at the Al Nahyan stadium.

Basheer Saeed put them ahead in the 13th minute before Fernando Baiano, Mohammed al Shehhi and Ismail Matar hit the net in the last seven minutes to complete the rout.

Saeed curled in a free kick from 35 yards out, Baiano scored from the spot at the second attempt, al Shehhi scored with a low shot and Matar finished expertly following a quick tap from Saeed al Kathiri that put him one-on-one with Majed Naser, the Wasl goalkeeper.

The result moved the champions up four places up the 12-team league to third on 18 points, which leaves them 14 behind the runaway leaders Al Jazira with a match in hand.

Wasl ended with 10 players when Ali Mahmoud, the defender, was given a direct red by the referee Hamad al Shaikh Hashmi for pulling down Matar. It cost them a penalty and Wahda made them pay with the numerical advantage.

"It is indeed a good start," said Josef Hickersberger, the Wahda coach. "We were the better team on the night and deserved to win. The break was good for us because we spent the first half of the season preparing for the Club World Cup, and now that's out of the way for us so we can focus back on the league.

"We don't know how the season will pan out for us but it is a good start. The result is also good for the confidence of the players."

Sergio Farias, the Wasl coach was naturally disappointed and blamed the concession of an early goal as the reason for his side's defeat.

"We conceded a goal from a free kick and Wahda took advantage of the numerical advantage to score three more goals towards the end."

Saeed had curled in a free kick from 35 yards to beat Majed Naser, the Wasl goalkeeper, at his near post after Alexandre Oliveira had felled Fahed Masoud.

Wasl responded almost immediately but Mutaz Abdulla, the Wahda goalkeeper, did well to push out Oliveira's effort from eight yards out to deny the visitors levelling.

Spurred by the early lead, Wahda went on the offensive to create a few chances but failed to convert them into goals.

But they made up for it in the last seven minutes by converting all that came their way to come out with an impressive scorline at the end.

The heat is on for Baniyas to maintain second position in the Pro League after Al Jazira moved eight points clear following a 2-1 away win over Al Nasr when the competition resumed after a 41-day break on Thursday.

Baniyas will be at home to Al Shabab in tonight's late game and Sharjah entertain Kalba, the bottom placed team in the early game.

The biog

Title: General Practitioner with a speciality in cardiology

Previous jobs: Worked in well-known hospitals Jaslok and Breach Candy in Mumbai, India

Education: Medical degree from the Government Medical College in Nagpur

How it all began: opened his first clinic in Ajman in 1993

Family: a 90-year-old mother, wife and two daughters

Remembers a time when medicines from India were purchased per kilo

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%3Cp%3E%3Cstrong%3ECompany%20name%3A%20%3C%2Fstrong%3EAlmouneer%3Cbr%3E%3Cstrong%3EStarted%3A%3C%2Fstrong%3E%202017%3Cbr%3E%3Cstrong%3EFounders%3A%3C%2Fstrong%3E%20Dr%20Noha%20Khater%20and%20Rania%20Kadry%3Cbr%3E%3Cstrong%3EBased%3A%20%3C%2Fstrong%3EEgypt%3Cbr%3E%3Cstrong%3ENumber%20of%20staff%3A%20%3C%2Fstrong%3E120%3Cbr%3E%3Cstrong%3EInvestment%3A%20%3C%2Fstrong%3EBootstrapped%2C%20with%20support%20from%20Insead%20and%20Egyptian%20government%2C%20seed%20round%20of%20%3Cbr%3E%243.6%20million%20led%20by%20Global%20Ventures%3Cbr%3E%3C%2Fp%3E%0A
COMPANY PROFILE
Name: Almnssa
Started: August 2020
Founder: Areej Selmi
Based: Gaza
Sectors: Internet, e-commerce
Investments: Grants/private funding
Living in...

This article is part of a guide on where to live in the UAE. Our reporters will profile some of the country’s most desirable districts, provide an estimate of rental prices and introduce you to some of the residents who call each area home.

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Jigra
Director: Vasan Bala
Starring: Alia Bhatt, Vedang Raina, Manoj Pahwa, Harsh Singh
Rated: 3.5/5
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Haemoglobin disorders explained

Thalassaemia is part of a family of genetic conditions affecting the blood known as haemoglobin disorders.

Haemoglobin is a substance in the red blood cells that carries oxygen and a lack of it triggers anemia, leaving patients very weak, short of breath and pale.

The most severe type of the condition is typically inherited when both parents are carriers. Those patients often require regular blood transfusions - about 450 of the UAE's 2,000 thalassaemia patients - though frequent transfusions can lead to too much iron in the body and heart and liver problems.

The condition mainly affects people of Mediterranean, South Asian, South-East Asian and Middle Eastern origin. Saudi Arabia recorded 45,892 cases of carriers between 2004 and 2014.

A World Health Organisation study estimated that globally there are at least 950,000 'new carrier couples' every year and annually there are 1.33 million at-risk pregnancies.

How to protect yourself when air quality drops

Install an air filter in your home.

Close your windows and turn on the AC.

Shower or bath after being outside.

Wear a face mask.

Stay indoors when conditions are particularly poor.

If driving, turn your engine off when stationary.

COMPANY PROFILE
Name: HyperSpace
 
Started: 2020
 
Founders: Alexander Heller, Rama Allen and Desi Gonzalez
 
Based: Dubai, UAE
 
Sector: Entertainment 
 
Number of staff: 210 
 
Investment raised: $75 million from investors including Galaxy Interactive, Riyadh Season, Sega Ventures and Apis Venture Partners
 
 
 
 
 
 
 
Key changes

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. 

• The remaining commission after deduction of the indemnity commission is paid equally over the premium payment term.

• For pure protection products, which only offer a life insurance component, the maximum commission will be 10 per cent of the annualised premium multiplied by the length of the policy in years.

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.

COMPANY PROFILE
Name: Airev
Started: September 2023
Founder: Muhammad Khalid
Based: Abu Dhabi
Sector: Generative AI
Initial investment: Undisclosed
Investment stage: Series A
Investors: Core42
Current number of staff: 47
 

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