Takaful or Islamic Insurance

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What is Takaful?

Unforeseen events and emergencies can happen to anyone. It can lead to the loss of a loved one or some prized possessions. Humans have always been planning for their future. In order to protect ourselves from such a situation and assure that we will get some financial support, we buy insurance. Takaful’s meaning is “Mutual Protection” and “Joint Guarantee”, which is provided on the basis of Sharia principles. In Takaful, the money is pooled and invested, on the basis of a mutual risk transfer arrangement, where all the parties share the profit and loss equally. It has two types: General Takaful and Family Takaful.

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Islamic Finace Programs

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Principles of Takaful Insurance:

The main ideology is to bear other person’s burdens and there is no profit in this system. Some of its’ important principles are as follows:

• For the common good the policyholders will corporate with each other.
• The contribution of the policyholders is considered donations.
• To help those who need assistance, all their policyholders will pay their share.
• The liabilities are shared according to the pooling system of the community and losses are divided.
• According to compensation and subscription, there is no uncertainty.

This lecture is a part of Certified Islamic Finance Expert (CIFE), which is the globally recognized certificate in Islamic finance and insurance. CIFE graduates also receive the Certified Takaful Professional (CTP) certification, and the program also leads to the Executive and Post Graduate Diploma in Islamic Banking & Finance. All these programs are offered 100% online at AIMS’ international centre for education in Islamic finance.

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Differences Between Takaful and Conventional Insurance:

• Conventional insurance is a contract between two parties whereas takaful Insurance is a relationship in which everything is shared.
• In insurance, everything is planned according to the profit that each party will earn, however, earning profits is not the major purpose of the Islamic Insurance concept.
• In takaful, both parties will equally divide the burden whereas in insurance one party will take the risks for the other.
• In insurance, there is no guarantee that you will get help when required or not. In Islamic Insurance, every procedure is guaranteed.
• It is based on the sharia in Islam whereas insurance follows the rules formulated considering profit in mind.
• The number of policies that you have to buy for protection is usually lesser if compared with conventional insurance policies.
• Takaful will cover you for every major and minor loss whereas in conventional insurance you will be covered for certain emergencies.

You may also learn to know the key differences between conventional banking and Islamic banking.

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Types of Takaful:

Takaful is the protection plan that is based on the concepts of Shariah. There are many unique features that the owners of the policy will enjoy. It will provide coverage according to the Islamic rules and regulations are given in the sources of Islamic law. There will be no interest rate and the owner will surely get the benefits he has applied for. There are two basic types of takaful, and they are general takaful and family Takaful.

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“Since 622 AD the concept has been practiced in different forms. The foundation of insurance in Islam was laid with the help of sharing the responsibilities between the Muslims. In 1976 a Fatwa was issued by the Higher Islamic Council of Saudi Arabia that Takaful is legitimate as compared to conventional insurance. Since then considering Islamic values the rules and regulations for the Takaful have been formulated. Today, there are more than 500 companies that are working on these rules.”.

Historical Backgroud of Takaful!

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General Takaful:

General Takaful plans are intended to meet the insurance needs of people and corporate bodies in connection to materialistic loss or damage done due to any catastrophic condition.

Concept of General Takaful:

Participants pay their premiums in the Takaful store as a Tabarru’. This will wipe out the components of al Gharar and bet. That is, the member consents to give their premium to the reserve with a mission to help different members secure under the different Takaful plans when in trouble.
In this way, the individuals convey the hazard and the Takaful administrator is just an overseer. Musharakah, Mudharabah, and Wakalah models can be actualized under this approach. For the most part, all the physical properties and resources are secured like homes, cars, and buildings.

General Takaful Products:

The measure of commitment to be paid by any members who take an interest in any of the assortment of plans of General Takaful relies upon and is corresponding to the fitting Takaful rates and the estimation of properties being secured. The benefit-sharing proportion will be made known to the member in advance and concurred by the two gatherings.

General Takaful offers all kinds of non-life risk coverage, and it is divided into the following classes:

1. PROPERTY TAKAFUL:

This policy provides compensation in an event of damage to the property caused by fire, lightning, and explosion. And, it applies to buildings, stock, machinery, and similar contents.

2. MARINE TAKAFUL:

It compensates losses or damages to cargo or freight on Vessels, Aircraft, or roads.

3. MOTOR TAKAFUL:

It is applicable to damage to the vehicle, incurred as a result of any accident.

4. MISCELLANEOUS GENERAL TAKAFUL:

This coverage is personalized and tailor-made, to the corporate requirements.

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Family Takaful:

It is a contract of Taburru where the non-zakat gift is made in customary interims to the Waqf Fund by the members. Under this takaful, all dangers related to human life are secured like demise, handicap, and ailment including here and now and long-haul speculation needs.

The scope of Takaful items offered falls into two classifications:

• Hazard items that are accommodated the security of the members.
• Speculation items with a component of hazard.

Concept of Family Takaful:

These items have a tendency to be normal reserve funds designs where a member demonstrates his need to accomplish an objective singular amount by a predetermined time later on. Under this plan, the members pay their premiums into the Takaful store. A bit of the premium is allotted only for funds and ventures, and the adjustment goes as a Tabarru to develop saves like claims holds, unmerited premium saves, and much more, to coordinate costs, and to pay for Retakaful or reinsurance.

This policy covers all risks associated with human life such as death, disability, and illness; through short-term and long-term investment needs.

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Types of Family Takaful plans:

1. TERM LIFE TAKAFUL:

If the life assured dies within a specified period, it provides payment of the sum assured only.

2. WHOLE LIFE TAKAFUL:

This contract theoretically covers the insured and a level premium is payable for life.

3. ENDOWMENT TAKAFUL:

It provides endowment benefits at retirement. Or, in case of an earlier death of the insuree, they are paid to the dependents.

4. UNIVERSAL TAKAFUL:

It provides lifetime financial security, with the flexibility to the changing needs and aspirations of the insuree.

5. MARRIAGE PLAN:

It is designed to fulfill parents’ needs for their children’s marriage.

6. EDUCATION PLAN:

It especially caters to a child’s future financial needs for education.

Once more, Mudharabah, Wakalah, and Musharakah models can be executed under this approach.

Conclusion:

It ought to be noticed that Takaful protection isn’t only for Muslims yet in addition for non-Muslims, as it is observed by them as a moral type of protection.

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