DAT 2

( GROUP 3 & 4)

NAMA

NO MATRIK

NUR AQILAH BT
PAUZI

20DAT15F2003)

IZYAN IZZATI BT (20DAT15F2012

MATNI
)
NURHUSNA
ASHMANIE BT
ADENI

(20DAT5F2023)

KHAIRUNNISA
BT MOHAMAD

(20DAT15F2027
)

IRENE KHANG

(20DAT15F2032
)

T
A
K
A
F
U
L

DEFINITION
Takaful is an insurance concept in
Shariah whereby a group of
participants mutually agree among
themselves to guarantee each other
against defined loss or damaged that
may inflict upon any of them by
contributing as tabarru or donation in
the takaful funds. It emphasizes unity
and co-operation among participants.

THE PRODUCTS UNDER FAMILY TAKAFUL ARE:

Family takaful
Investment linked takaful
Child education takaful
Medical & health takaful

THE PRODUCTS UNDER GENERAL TAKAFUL ARE:

Home takaful
Motor takaful
Personal accident takaful

3 MODEL OF TAKAFUL
MUDHARABAH
MODEL
WAKALA MODEL

AL WAQF MODEL

ISLAMIC PRINCIPLE BEHIND

TAKAFUL
Cooperative risk sharing
Mutual responsibility
Mutual protection
Solidarity among
participants

The purpose of this system is not

profits, but to uphold the principle
of "bear ye one another's burden".
Commercial insurance is strictly
disallowed for Muslims (as agreed upon
by most contemporary scholars) because
it contains the following elements:
Al-Gharar (uncertainty)
Al-Maisir (gambling)
Riba (usury)

1. Gharar (Uncertainty)
.Conventional insurance contract contains gharar because
if there is no claim, a party is the insurer will get
all of the premium and the policyholders do not get any
profit.
2.AL MAISIR
.Maisir (gambling) can occur where the policy holder can
lose 100% of the premium paid to the insurer. eg is
there a policy that states if the termination is done
before one year then the surrender value is empty.
3. AL RIBA
.Riba 'in insurance occurs when the surrender value at
maturity accompanied by interest (interest) not to
mention a source of income is from business insurer
worldly & funds are mostly invested in financial
instruments (bonds & stocks) are conventional. Riba
elements' also occur if the participant had to pay
interest if you want to withdraw money (premium auto
loan).

BASIC CONCEPT OF TAKAFUL

AL MUDHARABAH ( PROFIT SHARING)
AL-TAKAFUL ( JOINT GUARANTEE)
TABARRU ( DONATION )

ORGANIZATION RELATING TO TAKAFUL

MTA ( Malaysia Insurance and Takaful
Association )
MITBA ( Malaysian Insurans dan
Persatuan Takaful Broker )
PIAM ( Persatuan Takaful Am )
MII ( Malaysian Insurance Institution )

PROSEDUR TUNTUTAN TAKAFUL KELUARGA

1.Tuntutan mestilah dimaklumkan secara
bertulis dengan serta merta kepada
Jabatan Tuntutan Takaful Keluarga
sebaik sahaja kejadian berlaku.
2.Keterangan mestilah dilengkapkan oleh
pihak mereka yang berhak menuntut
dimana manfaat akan dibayar
berdasarkan keadaan berikut:
-wasi
-hibah yang dicadangkan
-orang yang diamanahkan

3. Dapatkan borang dan hantar semua dokumen yang mustahak bagi

menyokong tuntutan anda kepada Jabatan Tuntutan Takaful
Keluarga.
4. Semua salinan dokumen untuk menyokong tuntutan anda mestilah
telah disahkan oleh Pesuruh Jaya Sumpah Berdaftar/kakitangan
Takaful.
5. Semua dokumen yang diperlukan mestilah dibekalkan oleh pihak
yang menuntut di atas kos sendiri.