Asuransi Syariah is an attempt to help each other (Ta'awuni) and protect (Takaful) among the participants through the establishment of a collection of funds (Tabarru ') which is managed according to Islamic principles to deal with certain risks.
A. Basic Concept
- Sharia Insurance apply the concept of risk sharing among participants NOT a risk transfer concept
- Premium became collective ownership by policyholders
- Pool of Fund Premiums are used to run the risk
- The role of insurance is the underwriter, collector and fund managers
- Income insurance company is the management fee
- General principles of insurance also applied here.
- Akad Tabarru is an agreement in the form of grants Tabarru Fund 'for the purpose of helping among participants.
- Akad Wakalah bil Ujrah is an Akad Tijarah that authorizes the insurer as representatives of participants to manage Tabarru Fund' in return for a Ujrah (Fee).
- Akad Mudharabah is an Akad Tijarah that authorizes insurers to manage investment Tabarru Fund' in return for the results (Nisbah).
C. Our Product
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