当你遇上突发事件,例如染上危疾、遭遇意外、蒙受财产损失甚至失去性命时,伊斯兰保险与一般保险均发挥极为重要的作用,为你筑起财务安全网。

一般而言,伊斯兰保险就如伊斯兰教法保险。然而,伊斯兰保险的理念和运作模式与一般保险大相径庭。伊斯兰保险不是专为穆斯林而设的产品,非穆斯林人士如选择购买伊斯兰保险及获得相关保障,同样可以受保。

那么两者有什么区别?

本质上,保险是作为受保人的你与负责承担风险的保险公司签订的协议。该份协议称为保单,你需要向保险公司缴交费用(即保费),方可受保。

保险公司会对该等保费进行投资。你没有权利干预投资的去向,而涉及利息及高风险/极度不明朗的状况等有违伊斯兰教法原则(Shariah)的业务,皆可纳入投资范围。

伊斯兰保险的互助精神

与一般保险情况相似,伊斯兰保险经营公司亦会对你的保费进行投资,但只限于符合伊斯兰教法原则的业务。此举确保你购买的伊斯兰保险符合伊斯兰教法原则,让你安心投保。

如同传统保险,市场上有各种各样的伊斯兰保险计划,涵盖人寿保险/家庭伊斯兰保险、医疗保险、教育保险和投资保险等多个范畴。伊斯兰保险计划的协议按“Ta`awun”(合作互助)的概念签订。换言之,一个伊斯兰保险计划的参与者或保险证书持有人不但在发生不幸事件时受到保障,同时可以向所有合资格的伊斯兰保险参与者及其受益人提供援助。

英国保诚旗下于马来西亚提供寿险服务的PruBSN之Tabarru`基金是由所有伊斯兰保险的参与者共同及集体拥有。因此,当基金接收的保费超出某个财政年度的应付理赔金额和储备时,过剩的金额将平均分配予参与者及PruBSN,我们称之为盈余共享。这意味着你无需等到伊斯兰保险保障期届满后才收取盈余款项。即使你曾申请理赔,仍可享有该笔盈余。

伊斯兰保险可指定有条件的Hibah受益人

Hibah的意思是礼物或遗产。如伊斯兰保险的参与者不想名下的伊斯兰保险保障连同其他资产拨为财产分派之用时,可以指定一位或以上人士于参与者去世后获得Hibah保障。这种特色十分适合传承类型的产品,也是我们PruBSN WarisanPlus计划的重点所在。选择指定有条件的Hibah受益人,可将保障遗赠至亲,达到计划传承的目的。即使你无法继续照顾和保护至亲至爱的人,他们仍可获得供养。倘若指定亲人为有条件Hibah的受益人,他们无需经历费时的继承流程便可获得你的身故保障。

伊斯兰保险 必不可少

伊斯兰保险的最终目的是为你筑起财务安全网,防患于未然。倘若你没有任何相关保障,我们强烈建议你购买伊斯兰保险计划。无论是恶疾、残疾或意外身故,伊斯兰保险都能确保你和你的亲人得到所需的赔偿和照顾。

立即查阅PruBSN一系列保障计划额外附约投保的详情,让你和你的家人安枕无忧。

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