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Factors to consider before purchasing a top-up health plan

Waiting duration: You must know that top-up plans are separate health plans and have a waiting period for several pre-existing diseases or illnesses during which you cannot make any claims. The waiting period differs for such health policies. Rakesh Goyal, director of Probus Insurance Broker, said, “Most top-up plans have a waiting period, preventing you from making any claims for medical costs for the first time.

Be sure to check the policy’s waiting period and understand how it affects your coverage." Deductible sum: Top-up health plans mostly come with a deductible. This is the sum you will have to pay from your base health policy (regular health policy) or your pocket before the top-up plan takes effect. Therefore, check whether you can afford the deductible if your base policy sum insured gets exhausted.

If you don’t have a base health policy, you will have to pay for medical expenses equal to the deductible from your pocket. Co-payment clause: Like base health policies, top-up plans too have a co-payment clause. It implies that you are responsible for a portion of the medical costs while the insurer covers the remainder.

Therefore, it is essential that you consider such clauses carefully before increasing your health coverage via top-up plans. Age of policy renewal: The renewal date of top-up plans may differ from the renewal date of the base health policy. Moreover, some top-up plans may have a limited renewal age, beyond which you cannot renew the insurance.

Hence, you must ensure the coverage meets your needs at the time of renewal. Network hospitals: You must verify whether a network of hospitals under your base health policy is also affiliated with the top-up plan. A tie-up with network hospitals helps you

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Sri Lanka actively participated in formulating UN High Seas Treaty - - New York - Sri Lanka
Sri Lanka actively participated in formulating UN High Seas Treaty
Colombo (News 1st) – State Minister of Foreign Affairs Tharaka Balasooriya says that "Sri Lanka actively participated and contributed to the process," of agreeing upon the historic High Seas Treaty.After more than 20 years of negotiations, over 100 member states of the United Nations on Saturday (4th) finally agreed upon the text of the historic High Seas Treaty, the world's first international treaty aimed at protecting the millions of species that inhabit the world's oceans.The High Seas Treaty places 30% of the seas into protected areas by 2030, aiming to safeguard and recuperate marine nature.The agreement was reached on Saturday evening, after 38 hours of talks, at UN headquarters in New York.The negotiations had been held up for years over disagreements on funding and fishing rights.The last international agreement on ocean protection was signed 40 years ago in 1982 – the UN Convention on the Law of the Sea.When News 1st reached out to State Minister of Foreign Affairs Tharaka Balasooriya in this regard, he said that "Sri Lanka actively participated and contributed to the process."He added, "An agreement was reached following more than a decade of discussions on the 4th of March 2023 by UN member states to have an internationally legally binding instrument on the conservation and sustainable use of biodiversity beyond areas of natural jurisdiction under the united nations law of the sea."  That agreement established an area called the high seas – international waters where all countries have a right to fish, ship and do research – but only 1.2% of these waters are protected.Marine life living outside of these protected areas has been at risk from climate change, overfishing, and shipping traffic.