');--success-svg-icon:url('data:image/svg+xml;utf8,');--info-svg-icon:url('data:image/svg+xml;utf8,');--chevron-svg-icon:url('data:image/svg+xml;utf8,');--checkbox-svg-icon:url('data:image/svg+xml;utf8,');--radiobutton-svg-icon:url('data:image/svg+xml;utf8,');--show-password-svg-icon:url('data:image/svg+xml;utf8,');--hide-password-svg-icon:url('data:image/svg+xml;utf8,');--error-svg-icon-color:var(--red-500);--success-svg-icon-color:var(--emerald-700);--info-svg-icon-color:var(--sky-500);--chevron-svg-icon-color:var(--grey-900);--checkbox-svg-icon-color:var(--grey-900);--radiobutton-svg-icon-color:var(--grey-900);--show-password-svg-icon-color:var(--grey-900);--hide-password-svg-icon-color:var(--grey-900);--bde-woo-notices__icon-size:16px;--bde-woo-notices__padding:24px;--bde-woo-notices__border-radius:4px;--bde-woo-notices__error-background:var(--red-50);--bde-woo-notices__error-text:var(--red-500);--bde-woo-notices__error-link-text:var(--red-500);--bde-woo-notices__error-link-text-hover:var(--red-500);--bde-woo-notices__info-background:var(--sky-100);--bde-woo-notices__info-text:var(--sky-500);--bde-woo-notices__info-link-text:var(--sky-500);--bde-woo-notices__info-link-text-hover:var(--sky-500);--bde-woo-notices__success-background:var(--emerald-100);--bde-woo-notices__success-text:var(--emerald-700);--bde-woo-notices__success-link-text:var(--emerald-700);--bde-woo-notices__success-link-text-hover:var(--emerald-700);--bde-woo-sale-badge__border-radius:2px;--bde-woo-sale-badge__padding:4px 8px;--bde-woo-ratings__star-color:var(--yellow-500);--bde-woo-ratings__star-size:18px;--bde-woo-ratings__filled-star-svg:url('data:image/svg+xml;utf8,');--bde-woo-ratings__empty-star-svg:url('data:image/svg+xml;utf8,');--bde-woo-product-images__border-radius:4px;--bde-woo-product-images__border-width:0px;--bde-woo-product-images__border-color:var(--grey-300);--bde-woo-wrappers__background-color:var(--white);--bde-woo-wrappers__border-radius:4px;--bde-woo-wrappers__border-color:var(--grey-300);--bde-woo-wrappers__border-width:1px;--bde-woo-wrappers__shadow:rgba(0,0,0,.05) 0 1px 3px,rgba(0,0,0,.05) 0 1px 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2px;--bde-woo-payment-box-background-color:var(--grey-100);--bde-woo-payment-box-border-color:var(--grey-200);--bde-woo-payment-box-border-width:1px;--bde-woo-quicklook-button-icon:url(/wp-content/uploads/breakdance/css/icons/eye.svg);--bde-woo-quicklook-button-background-color:none;--bde-woo-quicklook-button-icon-size:20px;--bde-woo-quicklook-button-backdrop-color:rgba(0,0,0,.15);--bde-woo-quicklook-button-backdrop-opacity:.7;--bde-woo-quicklook-modal-background-color:var(--white);--bde-woo-quicklook-overlay-color:rgba(0,0,0,.7);--bde-woo-quicklook-close-button-size:2em;--bde-woo-quicklook-arrow-size:1em;--bde-woo-quicklook-arrow-color:var(--white);--bde-woo-swatch-space-between-options:10px;--bde-woo-swatch-padding:7px;--bde-woo-swatch-color-width:30px;--bde-woo-swatch-color-height:30px;--bde-woo-swatch-border:1px solid var(--grey-200);--bde-woo-swatch-border-color-hover:var(--grey-400);--bde-woo-swatch-shadow:none;--bde-woo-swatch-shadow-hover:none;--bde-woo-swatch-background:var(--white);--bde-woo-swatch-background-hover:var(--grey-50);--bde-woo-swatch-color-padding:2px;--bde-woo-swatch-tooltip-color:var(--white);--bde-woo-swatch-tooltip-background:var(--grey-900);--bde-woo-swatch-tooltip-padding:7px;--bde-woo-swatch-space-after-label:8px;--bde-woo-responsive__stack:row;--bde-links-color:var(--bde-brand-primary-color);--bde-links-color-hover:var(--bde-brand-primary-color-hover);--bde-button-primary-background-color:var(--bde-brand-primary-color);--bde-button-primary-background-color-hover:var(--bde-brand-primary-color-hover);--bde-button-secondary-border-color:var(--bde-brand-primary-color);--bde-button-secondary-border-color-hover:var(--bde-brand-primary-color);--bde-button-secondary-text-color:var(--bde-brand-primary-color);--bde-button-secondary-background-color-hover:var(--bde-brand-primary-color);--bde-button-text-text-color:var(--bde-links-color);--bde-button-text-text-color-hover:var(--bde-links-color-hover);--bde-button-font-size:var(--bde-body-font-size);--bde-form-font-size:var(--bde-body-font-size);--bde-form-input-border-top-left-radius:var(--bde-form-input-border-radius);--bde-form-input-border-top-right-radius:var(--bde-form-input-border-radius);--bde-form-input-border-bottom-left-radius:var(--bde-form-input-border-radius);--bde-form-input-border-bottom-right-radius:var(--bde-form-input-border-radius);--bde-form-input-border-top:var(--bde-form-input-border-width) solid var(--bde-form-input-border-color);--bde-form-input-border-right:var(--bde-form-input-border-width) solid var(--bde-form-input-border-color);--bde-form-input-border-bottom:var(--bde-form-input-border-width) solid var(--bde-form-input-border-color);--bde-form-input-border-left:var(--bde-form-input-border-width) solid var(--bde-form-input-border-color);--bde-form-label-color:var(--bde-headings-color);--bde-form-input-focused-border-color:var(--bde-brand-primary-color);--bde-form-input-focused-shadow:var(--bde-brand-primary-color) 0 0 2px;--bde-form-checkbox-selected-color:var(--bde-brand-primary-color);--bde-z-index-lightbox:1100;--bde-z-index-popup:1050;--bde-z-index-modal:1000;--bde-z-index-modal-backdrop:calc(var(--bde-z-index-modal) - 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var(--bde-form-input-border-top-right-radius) var(--bde-form-input-border-bottom-right-radius) 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Sebelum anda ambil tahu tentang bahagian lain, anda perlu tahu terlebih dahulu maksud takaful. Takaful adalah satu skim perlindungan bersama yang berasaskan prinsip ta’awun.
Ia menawarkan perkongsian risiko bersama jika salah seorang ahli ditimpa musibah seperti kemalangan atau kecederaan. Setiap ahli bertanggungjawab untuk menjamin memberi bantuan bersama.
Takaful berasal daripada perkataan Arab ‘kafalah’ yang bermaksud jaminan bersama.
Hibah bermaksud memindahkan hak milik sesuatu kepada seorang penerima (Mawhub Lahu) daripada penderma (Wahib) tanpa sebarang syarat.
Maksud takaful keluarga adalah pelan yang memberikan perlindungan sekaligus membuat simpanan dalam jangka masa panjang.
Pampasan dalam bentuk kewangan akan diberikan kepada anda atau waris sekiranya anda ditimpa kemalangan. Pada masa sama, anda juga dapat menikmati simpanan persendirian kerana sebahagian daripada wang yang anda carum akan didepositkan ke dalam akaun untuk tujuan simpanan.
Ada empat sebab kenapa anda kena ambil takaful dan kelebihannya berbanding insurans konvensional. Di bawah ini kami sertakan kelebihan takaful:
Takaful adalah perlindungan yang patuh syariah dan bebas daripada unsur judi, gharar dan riba. Sebagai umat Islam, kita wajib mencari yang halal. Insurans konvensional pula telah difatwakan haram oleh Jawatankuasa Fatwa Majlis Kebangsaan Bagi Hal Ehwal Ugama Islam Malaysia (MJFK)
Takaful menggunakan akad derma yang tidak terikat dengan hukum jual beli, tidak seperti insurans konvensional.
Apabila kita menggunakan akad jual beli, apa yang kita beli atau jual itu mestilah pasti dari segi rupa, nilai dan tempoh. Namun, musibah yang berlaku tidak dapat kita ketahui bila dan bagaimana.
Disebabkan akad yang digunakan ini lah yang membezakan hukum antara insurans konvensional dan takaful.
Takaful melabur di medium pelaburan yang patuh syariah. Tambahan lagi, terdapat Majlis Penasihat Syariah yang memastikan pelaburan yang dibuat adalah patuh syariah dan bebas daripada riba.
Muzakarah Jawatankuasa Fatwa Majlis Kebangsaan Bagi Hal Ehwal Ugama Islam Malaysia (MJFK) telah menyatakan dengan jelas bahawa insurans konvensional adalah haram keran terdapat unsur yang tidak patuh syariah.
Sebaliknya, MJFK menyarankan agar umat Islam mengambil pelan perlindungan takaful sebagai alternatif untuk menggantikan insurans konvensional.
Baca Juga: Segalanya Tentang Takaful Insurans Kereta di Malaysia -Edisi 2024
Takaful tertakluk kepada Akta Perkhidmatan Kewangan Islam (IFDA) 2013 manakala insurans konvensional pula tertakluk kepada Akta Perkhidmatan Kewangan (FSA) 2013.
Takaful menggunakan konsep perkongsian risiko iaitu semua peserta bertanggungjawab untuk menanggung risiko bersama. Manakala, bagi insurans pula pemegang polisi memindahkan risiko kepada syarikat insurans.
Takaful menggunakan akad derma yang menggunakan duit tabung sekiranya terjadi musibah kepada peserta takaful.
Sementara insurans pula menggunakan akad jual beli dan syarikat insurans memberi jaminan untuk membayar pampasan sekiranya berlaku musibah kepada pelanggan.
Insurans konvensional telah difatwa haram oleh Majlis Kebangsaan Bagi Hal Ehwal Ugama Islam Malaysia (MJFK). Takaful pula adalah perlindungan yang patuh syariah.
Takaful tertakluk kepada undang-undang syariah dan kerajaan manakala insurans tidak tertakluk kepada undang-undang syariah sebaliknya hanya berlandaskan undang-undang kerajaan sahaja.
Untuk takaful, keuntungan atau lebihan akan dikongsikan antara ahli dan pengendali dana takaful. Manakala insurans pula, dividen dikembalikan kepada pemegang saham syarikat insurans.
Kontrak takaful harus bebas dari sebarang unsur ketidakpastian dan keraguan dan mestilah jelas. Kontrak ini yang membezakan takaful dan insurans.
Terdapat unsur judi dalam insurans apabila peserta dan syarikat insurans bertaruh samada musibah seperti kemalangan dan kemusnahan harta akan berlaku atau tidak.
Melalui insurans konvensional, syarikat insurans mendapat keuntungan daripada premium insurans yang dibayar oleh peserta. Samada ada tuntutan atau tidak, syarikat insurans tetap mendapat keuntungan dan ini adalah riba.
Takaful dikendalikan oleh wakalah iaitu wakil kepada produk yang diambil oleh peserta takaful, sementara insurans dikendalikan oleh syarikat insurans.
Takaful mempunyai jawatankuasa syariah yang memantau pematuhan syarikat takaful dalam aspek syariah seperti pengendalian dan aktiviti syarikat tersebut.
Jadi, untuk anda yang suka jalan-jalan ke luar negara, harap artikel ini memberi sedikit pencerahan mengenai insurans yang patuh syariah. Ingat, keselamatan itu penting, tidak kira dekat mana pun kita berada.
Dengan adanya pilihan insurans yang menepati prinsip syariah di Malaysia, anda boleh travel dengan tanpa perlu risau lagi. Jangan lupa, sebelum fly, make sure insurans dah settle. Selamat bercuti dan semoga anda selamat pergi dan pulang!
Pilih pelan perlindungan takaful mengikut keperluan dan bajet anda dengan empat syarikat takaful yang dipercayai.
Dapatkan pelan perlindungan anda dengan ejen yang sah dah berdaftar di sini: