當你遇上突發事件,例如染上危疾、遭遇意外、蒙受財產損失甚至失去性命時,伊斯蘭保險與一般的保險均發揮極為重要的作用,為你築起財務安全網。

一般而言,伊斯蘭保險就如伊斯蘭教法保險。然而,伊斯蘭保險的理念及運作模式與一般的保險大相徑庭。伊斯蘭保險不是專為穆斯林而設的產品,非穆斯林人士如選擇購買伊斯蘭保險及獲得相關保障,同樣可以受保。

那麼兩者有甚麼分別?

本質上,保險是作為受保人的你與負責承擔風險的保險公司訂立的協議。該份協議稱為保單,你需要向保險公司繳交費用(即保費),方可受保。

保險公司會對該等保費進行投資。你沒有權利干預投資的去向,而涉及利息及高風險/極度不明朗的狀況等有違伊斯蘭教法原則(Shariah)的業務,皆可納入投資範圍。

伊斯蘭保險的互助精神

與一般的保險情況相似,伊斯蘭保險經營公司亦會對你的保費進行投資,但只限於符合伊斯蘭教法原則的業務。此舉確保你購買的伊斯蘭保險符合伊斯蘭教法原則,讓你安心投保。

如同傳統保險,市場上有各種各樣的伊斯蘭保險計劃,涵蓋人壽保險/家庭伊斯蘭保險、醫療保險、教育保險及投資保險等多個範疇。伊斯蘭保險計劃的協議按「Ta`awun」(合作互助)的概念訂立。換言之,一個伊斯蘭保險計劃的參與者或保險證書持有人不但在發生不幸事件時受到保障,同時可以向所有合資格的伊斯蘭保險參與者及其受益人提供援助。

英國保誠旗下於馬來西亞提供壽險服務的PruBSN之Tabarru`基金是由所有伊斯蘭保險的參與者共同及集體擁有。因此,當基金接收的保費超出某個財政年度的應付理賠金額及儲備時,過剩的金額將平均分配予參與者及PruBSN,我們稱之為盈餘共享。這意味著你無需等到伊斯蘭保險保障期屆滿後才收取盈餘款項。即使你曾申請理賠,仍可享有該筆盈餘。

伊斯蘭保險可指定有條件的Hibah受益人

Hibah的意思是禮物或遺產。如伊斯蘭保險的參與者不想名下的伊斯蘭保險保障連同其他資產撥為財產分派之用時,可以指定一位或以上人士於參與者去世後獲得Hibah保障。這種特色十分適合傳承類型的產品,亦是我們PruBSN WarisanPlus計劃的重點所在。選擇指定有條件的Hibah受益人,可將保障遺贈至親,達到計劃傳承的目的。即使你無法繼續照顧及保護至親至愛的人,他們仍可獲得供養。倘若指定親人為有條件Hibah的受益人,他們無需經歷費時的繼承流程便可獲得你的身故保障。

伊斯蘭保險 必不可少

伊斯蘭保險的最終目的是為你築起財務安全網,防患於未然。倘若你沒有任何相關保障,我們強烈建議你購買伊斯蘭保險計劃。無論是惡疾、殘疾或意外身故,伊斯蘭保險都能確保你及你的親人得到所需的賠償及照顧。

立即查閱PruBSN一系列保障計劃額外附約投保的詳情,讓你及你的家人安枕無憂。

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