The concurrence is a written acceptance contains unmodified agreements, together gone the rights and obligations of the parties in accordance the principles of Shariah.
Tabarru ' goodwill is a concurrence that grants in the form of granting the funds from one Participant to the Tabarru ' Fund for the seek of please-help along along surrounded by the participants, which is not and is not for commercial purposes. (Read More:Privileges Of Women In Islam)
Akad Wakalah bil Ujrah is Akkadian Tijarah that gives authority to the company as a representative of the participants for the Tabarru ' funds and/or investment fund participants, according the expertise or authority conferred, in Exchange for a form of ujrah (go to the lead).
Mudharabah friendship is a settlement to focus on pinnacle results for Tabarru ' Fund investment.
The contribution is the amount paid by the participant to the company that most will be allocated as Tabarru ' dues and others as a add to (ujrah) for the company.
Tabarru ' Fund dues is a part of the contribution is paid by Participants who also than entered into a lineage Fund Tabarru ' Contract in the freshen of the Tabarru '.
Tabarru ' Fund is a buildup of the funds coming from the contributions of the participants, the mechanisms of its usage in accordance following the no study Contract Tabarru '.
Surplus/deficit of Underwriting is the difference together along amid more/less than the quantity contribution of the Participants into a Tabarru ' Funds after deducting the payment of compensation/claims, reinsurance, contributions and unspecified reserves, in a unmodified period.
The Primacy Of Sharia Insurance
1) transparency of fund paperwork appointment gone Sharia Insurance Participants at the arrival of a sure and transparent as expertly as the corresponding aqad Sharia, tabarru ' Fund will be professionally managed by Sharia insurance companies through valid investments at the forefront based upon sharia principles.
2) government of the Fund Participants in Glbt amongst obviating the Riba (incorporation), Maisir (Gambling) and Gharar (Uncertainty).
Sharia insurance avoid ample insurance functions that contain Riba (raptness), Maisir (Gambling) and Gharar (Uncertainty). Tabarru ' Fund will be used to acceptance gone and anticipate the occurrence of mishap/shackle/claims that occurs surrounded by participants of the insurance. Through the Islamic insurance, can prepare financially by retaining the principle the principle of the transaction in accordance subsequent to the Islamic fiqh. So there is no doubt to insured Shari'ah.
3) the presence and distribution of Underwriting Surplus Allocation
a. If there is a Surplus of Underwriting, plus Participants no investigate to designate Surplus Underwriting as follows:
50% for Tabarru ' Fund Groups;
20% for participants who meet the criteria;
30% for companies as operators.
b. Underwriting Surplus will be distributed to participants at the latest 90 calendar days after the supplement is completed.
c. Apportionment of Underwriting Surplus results unadulterated lonesome to participants who meet the past conditions:
- Participants have never filed a allegation in the adding going on happening of the surplus/deficit of the underwriting.
- There are currently filing a allegation at the date of adding taking place of the surplus/deficit of the underwriting.
d. When the amount of Underwriting Surplus that will be distributed to each participant less than Rp 50.000,-later the Underwriting Surplus is entered into the p.s. of Funds Tabarru '.
Insurance Asei Asurasi product has some nice of Islamic Public as follows:
1) Islamic property insurance
The insurance provides indemnity to the insured for the inconsistent or loss of property which dipertanggungkan caused by ember, lightning, explosion, slip of aircraft, as proficiently as the smoke that comes from the blaze property dipertanggungkan. Property insurance covers fire insurance and the augment of the collateral (earthquakes, hurricanes, floods, typhoons, and totaling auxiliary) and in addition to the guarantee for any blinking thus of disruption of matter (business deferment) caused the fire.
Other types of property insurance:
- Standard Fire Insurance Policies Indonesia (PSAKI)
- Standard Earthquake Policy Indonesia (PSGBI)
- Property All Risks (PAR) or Industrial All Risks (IAR)
2) Islamic Engineering Insurance
Engineering insurance is a form of insurance that provides coverage again the risk of loss or broken to the dipertanggungkan take goal (typically linked subsequent to construction equipment or materials;; mesinmesin) during the epoch of construction or the installation of the robot contiguously any risk of loss or atypical to the immediate; flora and fauna of the immediately and was an problem.
Expansion of coverage can be provided closely risks the risk of loss or abnormal to property and swine catastrophe from a third party once the maximum value that was every allowance of upon back. Insurance Engineering (Engineering Insurance) is estranged into two major groups, namely: insurance
Engineering projects and Engineering Insurance Non project.
This type of coverage (polis) for Engineering projects, namely:
- Insurance of construction (the Contractor All Risk Insurance/CAR): provides coverage on extremity of the risk of loss and/or physical broken in the by now-door door to the implementation of the progress.
- Insurance Installation (Erection All Risks Insurance/EAR): provides coverage on top of the risk of loss and/or damage to the engines at the era of installation or
installation. This type of coverage to the Non Engineering projects, namely:
- Electronic Equipment Insurance (Electronic Equipment Insurance/EEI)
- Insurance For Damage To Machinery (Machinery Breakdown Insurance/MB)
- Heavy Equipment Insurance (Contractor's Plant and Machinery/CPM)
3 Sharia Haulage Insurance)
Insurance which guarantees the damage or loss of goods which are transported from one place to other behind a showground transport (trucks, trains, trailers), the Sea (ship) or manner (jet) adjoining the risks that occur during the transport of the goods. Types of risks covered are distinguished in three (3) groups called the Institute Cargo Clauses (ICC) IE (from the most unconditional): ICC "A"; The ICC "B" and "C" of the ICC.
4 Sharia Hull Insurance)
Warranty for damage or loss against the boat, machinery and equipment from the dangers of the Sea (the perils of the sea) and the risk of shipping (navigational perils). Collateral is full/full terms conditions (280 Cl) and limited terms/limited conditions (Cl and Cl 289 284).
5 Assorted Sharia Insurance)
Insurance of the answerability of adulation (Liability Insurance): insures genuine liability to third parties either in the form of body outrage (being offend) and/or damage to property (property damage) in relationship behind employment or business events undertaken by the The insured.
Types Of Liability Insurance:
- Public Liability Insurance
- Commercial General Liability or CGL (which includes Public Liability, Employer's Liability, Automobile Liability, Workmen's Compensation)
6) Syariah insurance maintenance
Warranties for loss of child support, gold and/or synchronised when maintenance (checks, money orders, Bank Notes) belonging to the insured for is stored in a safe, vault or calculation maintenance storage place; for deliveries from one place to another; When stored in the cashier or counter-the counter where the transaction is carried out; and guarantee the running away of keep insured due to dishonesty of employees who believed in managing keep.
Types Of Money Insurance:
- Cash in Transit (CIT)
- Cash in the Safe (CIS)
- Cash in Cashier Box
- Fidelity Guarantee
7) Shariah personal catastrophe insurance
Provide a guarantee closely the risk of death, enduring disability, and the cost of treatment or treatment that is caused by an mishap.
8) Shariah personal accident insurance
Bear the loss due to the theft of pencurinya entered the room occupied by the insured, past the street maltreatment/disassembly and moreover damage to the barangbarang of the insured as a result of such a triumph.
9) personal accident insurance Plus the Sharia
Provide a guarantee against the risk of death caused by accidents and illness as also ease as the risk of cancellation of employment dealings.
Islamic Insurance
Reviewed by Choirur Rozikin
on
May 06, 2018
Rating:
Reviewed by Choirur Rozikin
on
May 06, 2018
Rating:
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