');--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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Semakin hari semakin ramai yang cakna akan kepentingan perlindungan diri, keluarga dan harta benda. Namun, sehingga tahun ini, peratus rakyat Malaysia yang mengambil perlindungan takaful dan insuran masih belum mencecah sehingga 50%.
“Memetik sumber Sinar Harian, sehingga tahun 2023, hanya 40% rakyat Malaysia dilindungi insurans dan takaful”
Meskipun seakan sama, namun insurans dan takaful ada banyak perbezaan yang anda perlu tahu sebelum anda memilih plan perlindungan yang terbaik untuk melindungi anda dan keluarga.
Insurans adalah pelan perlindungan konvensional yang menggunakan akad jual beli antara anda dengan syarikat insurans anda.
Apabila anda mengambil polisi insurans, anda sedang memindahkan risiko kepada syarikat insurans anda. Dalam erti kata lain, sekiranya terjadi sesuatu kepada anda seperti kemalangan atau kecederaan, pihak insurans akan membayar sejumlah pampasan yang telah dipersetujui kepada anda.
Takaful pula adalah pelan perlindungan patuh syariah yang menggunakan akad menyumbang atau derma (tabarru’).
Melalui polisi takaful, kesemua ahli yang menyumbang ke dalam tabung yang sama akan menanggung risiko bersama. Sekiranya terjadi musibah kepada salah seorang ahli, sumbangan akan diberikan kepada ahli tersebut mengikut jumlah yang telah dipersetujui.
Takaful dan insuran bukan sahaja melindungi anda dan keluarga malah terdapat juga pelan yang melindungi harta benda anda. Di bawah ini kami senaraikan kepentingan perlindungan takaful dan insurans dalam kehidupan anda.
Baca Juga: Segalanya Tentang Takaful Insurans Kereta di Malaysia -Edisi 2024
Asas Perlindungan Takaful
Takaful menggunakan konsep Taawun iaitu kerjasama dan tolong-menolong. Peserta bersama-sama pemegang takaful yang lain saling melindungi apabila ditimpa musibah.
Caruman yang diterima untuk pelan takaful yang diambil akan disalurkan ke Dana Tabarru’ yang digunakan sebagai bayaran pampasan kepada peserta yang membuat tuntutan.
Secara asasnya, anda memindahkan risiko kepada syarikat insurans melalui persetujuan yang dipanggil polisi. Apabila berlaku musibah atau kerugian, syarikat insurans yang akan membayar pampasan kepada anda.
Untuk memudahkan anda mencari perbezaan antara takaful dan insurans, kami terangkan dengan lebih jelas melalui artikel di bawah:
Takaful tertakluk kepada Akta Perkhidmatan Kewangan Islam (IFDA) 2013 manakala insurans pula tertakluk kepada Akta Perkhidmatan Kewangan (FSA) 2013
Takaful menggunakan sistem saling membantu antara satu sama lain manakala untuk insurans, risiko dipindahkan daripada individu kepada syarikat insurans.
Takaful menggunakan Akad Tabbaru’ iaitu berdasarkan derma dan sumbangan. Insurans pula menggunakan Akad Jual Beli.
Takaful adalah pelaburan patuh syariah kerana wang sumbangan atau caruman yang diterima daripada peserta akan dilaburkan di platform patuh syariah.
Manakala insurans pula adalah pelaburan konvensional. Caruman yang diterima daripada pemegang polisi akan dilaburkan di mana-mana platform tanpa mengira samada ia patuh syariah atau tidak.
Takaful mempunyai Majlis Pengawasan Syariah yang bertanggungjawab memastikan syarikat takaful mematuhi semua garis panduan berpandukan syariat Islam. Sementara itu, insurans pula tidak dipantau oleh Majlis Pengawasan Syariah.
Takaful mengagihkan keuntungan yang diperolehi kepada pemegang polisi sebaliknya pemegang polisi insurans tidak mendapat apa-apa bahagian daripada keuntungan syarikat.
Takaful bebas daripada unsur gharar kerana kontrak yang dibuat adalah jelas. Manakala insurans pula mempunyai unsur keraguan.
Terdapat unsur judi dalam insurans konvensional kerana kedua-dua belah pihak bertaruh samada mereka akan mengalami musibah atau tidak. Unsur judi ini tidak terdapat dalam takaful.
Insurans konvensional terdapat unsur riba kerana pemegang polisi mencarum dan wang caruman tersebut digunakan oleh syarikat insurans untuk membayar tuntutan dan memperoleh keuntungan walaupun tidak terdapat sebarang tuntutan daripada pemegang polisi.
Bagi takaful, pihak syarikat adalah pengendali risiko manakala untuk insurans pula, pihak syarikat adalah penanggung risiko.
Takaful mempunyai jawatankuasa syariah bagi memastikan aspek syariah dipatuhi oleh syarikat pengendali takaful.
Dapatkan perlindungan yang patuh syariah untuk kenderaan anda dengan hanya 4 langkah mudah di sini: Takaful Kereta
Buat perbandingan syarikat takaful pilihan anda mengikut bajet dan keperluan anda semuanya di hujung jari.