Sharia Insurance is a concept where members donate part or all of their contribution towards claims made by participants who suffer misfortune. Funds are available to the group as a result of investment and/ or Tabarru’ a return model which provides for certain risks applied through an aqad or contract.
The insurance aqad complies with Sharia Insurance principles and does not contain tadlis (deception), taghrir/gharar (uncertainty in transaction), riba (usury), maysir (gambling), risywah (bribery), zhulm (mistreatment), or unlawful goods and maksiat.
Sharia Insurance is based on mutual cooperation, responsibility, assurance, protection and assistance between groups of participants.
Sharia Insurance gives members the opportunity to benefit in two ways; from the financial security of a risk sharing arrangement. Secondly from the spiritual benefit participants can obtain in terms of meeting the religious and social responsibilities of Tabarru’.
The benefit of Sharia Insurance is not only for Muslims, it is a universal concept available to all denominations regardless of religious belief.
PT AIG INSURANCE INDONESIA - Sharia Unit obtained the license on April 29, 2010 (Decree of The Finance Minister RI No. Kep-217/KM.10/2010).
The insurance aqad complies with Sharia Insurance principles and does not contain tadlis (deception), taghrir/gharar (uncertainty in transaction), riba (usury), maysir (gambling), risywah (bribery), zhulm (mistreatment), or unlawful goods and maksiat.
Sharia Insurance is based on mutual cooperation, responsibility, assurance, protection and assistance between groups of participants.
Sharia Insurance gives members the opportunity to benefit in two ways; from the financial security of a risk sharing arrangement. Secondly from the spiritual benefit participants can obtain in terms of meeting the religious and social responsibilities of Tabarru’.
The benefit of Sharia Insurance is not only for Muslims, it is a universal concept available to all denominations regardless of religious belief.
PT AIG INSURANCE INDONESIA - Sharia Unit obtained the license on April 29, 2010 (Decree of The Finance Minister RI No. Kep-217/KM.10/2010).
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