Sediakan asuransi pensiun anda mulai sekarang

Masa pensiun akan tenang, jika anda menyiapkan dana pensiun dengan baik

Asuransi itu tidak wajib tetapi sangat penting

Ketika sakit dijamin anda tidak dapat mengambil asuransi

Kami menyediakan solusi financial anda

Salah sau solusi financial dengan mengambil asuransi


General guidelines for Takaful

In the Indonesian context, we can see the Indonesian Ulama Council Fatwa, signed by the chairman, K.H.M.A Sahal Prof.Dr.H.M Mahfudin and general secretary Dien Syamsuddin that in principle the MUI reject conventional insurance, but be aware of the reality in society that insurance can not be avoided. Therefore, the general guidelines Takaful decided as follows:

Takaful is an attempt to protect each other and help each other among a number of people / parties through investments in assets or tabarru are on the pattern returns to face certain risks through contract (engagement) in accordance with sharia.
Akad in accordance with sharia referred to in point 1 is that it does not contain gharar ‘obscurity’, maisir’perjudian, riba (interest), zulmu ‘persecution’, riswyah, ‘bribe’, haram and immoral.
Akad tijarah are all forms of contract are undertaken for commercial purposes.

Akda tabarru are all forms of contract is done with the aim of kindness and mutual help, not only for commercial purposes.
Participants liability insurance premiums is to provide some funds to insurance companies in accordance with the agreements in the contract.
Claims are the rights of participants of insurance must be provided by insurance companies in accordance with the agreements in the contract.

Second: Akad insurance

Akad conducted between the participants and the company consists of agreement or contract tijarah and tabarru.
Akad tijarah referred to in paragraph 1 is mudaraba, while the contract is tabarru grants.

In the contract, at least should be mentioned:
Rights and keajiban participants and companies
The manner and timing of payments, as well as
Tijarah and contract type or contract tabarru, as well as the terms agreed upon in accordance with the type of insurance that diakadkan.
Third: The position of the parties in the contract tijarah and tabarru

Tijarah in the contract, the company acts as mudharab’pengelola ‘and participants act as shabibul mal’ policyholders’.
Tabarru’hibah in the contract, participants provided a grant that will be used to help other participants in the affected areas. As for the company as a manager danahibah
Fourth: The provisions in the contract tijarah and tabarru

Tijarah contract type can be changed menjdi type of contract tabarru if the parties retained their rights voluntarily waived his right to terminate the obligations that the parties have not fulfilled their obligations.
Tabarru contract type ‘can not be converted to the type of contract tijarah.
Fifth: This type of insurance and akadnya

In terms of types of insurance that consists of general insurance and life asuranasi.
The contract for the two types of insurance are mudaraba and grants.
For this, it is clear to us that the conventional insurance altogether forbidden, while the principle of using for dharurat or Hajjah unacceptable disesbabkan it is not the only option, while also standing firm now has many asiransi sharia. Dharurat own circumstances occur apabilan something is not done, it will cause great damage atupun death. Dapun in terms of insurance, there are no such things.

Maslahnya now whether tens perusaaan Takaful stand has indeed been applying the principles of sharia pure? Attitudes wara ‘(A prudent) in case it is need to be owned by any Muslim because there might be a company that is a pure islamic sharia, but there are also less pure in the application of the principles of sharia so it is still doubtful due to the strong business orientation more than the benefit.

asuransi jiwa prudential

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