When this has been labeled many Islamic financial institutions, both Islamic banks, Takaful, Islamic mortgage and Islamic finance institutions. This indicates that the Islamic financial institutions are required by society. The rise of Islamic financial institutions is something that is reasonable, considering that Indonesia is a Muslim majority population and the universal values that exist in the Islamic financial services such as justice for clients can be accepted by all people including non-Muslims.
With the increasing number of Takaful standing, course selection (prospective) customers become more and more, not just one or two companies that offer a wide range of product features, but even companies that have dozens of Islamic insurance products.
So that we do not choose the wrong Takaful, here are some tips that we need to consider:
1. Knowing Needs
Holder or insurance buyers need to know what insurance a necessity. Needs may include Life Insurance,Health Insurance, Accident Insurance, Education Insurance or insurance that also functions for investment (unitlink). If you are in doubt, ask the opinion of relatives, colleagues, or agent of an insurance seller you trust.
2. Selecting a Management Company for Takaful
Know how long the company has been running the business of Takaful. The longer a company engaged in the business she lived, of course, describe how the condition of the company. In addition, how the experience of the company in payment of claims to their customers, what ever the company was negligent in the case of payment of claims to their customers.
3. Sharia Supervisory Board (SSB)
All Islamic financial institutions including Islamic insurance has a Sharia Supervisory Board (SSB). DPS consists of people who understand Islamic economics. The presence of DPS will ensure that all insurance products are managed in ways that are lawful sharia.
4. Clarity Akad Insurance
The contents of the agreement plays an important role regarding the status of insurance policy premiums.When akadnya Takaful, there is no term "fund" scorched for life insurance, so if the customer for some reason did not extend the premiums, then it should fund the premiums already paid earlier is still there, although the number was not 100% anymore. This is because the funds paid customers has reduced administrative costs while taking care of the insurance policy.
5. Learn Illustrations Provided
Insurance illustrations depict an estimate of how funding will be obtained by prospective customers for the end of the period of the agreement. If illustrations are given a very unnatural, such benefit (profit sharing) is very far above the results of Islamic banks in general, we do not immediately tempted, but we must respond wisely. Notice the assumptions contained in the illustration sheet.
6. Fit Insurance with Benefits
Before choosing an insurance program, read the first insurance program benefits and features that we wish to buy. For example, benefits only to the risk of death, then we will not get the benefit when we experience pain or injury. Or conversely, what we buy is only an accident insurance product, then we will not get the benefit when we are exposed to certain diseases.
7. Premium Rates
Premium rates that are competitive enough (natural) meaning not cheap, can be used as a benchmark in choosing an insurance company who will we choose, however this is not the main one, because it could be with premiums that are too cheap, the company wants to cost the maximum, while the benefitsprovided insurance has been narrowed. For example car insurance rate with only 1.00% will not necessarily be enough to cover the company's operating costs, let alone to pay the claim.
8. Choosing a Selling Agent
Choose an insurance sales agent you trust can provide an explanation of products are correct and complete. Professional realtors who have a membership number AAJI (Life Insurance Association of Indonesia). They have gone through the stages of the exam as a professional agent and registered officially. So if you later encounter problems with your policy, the presence of agents can be known andinsurance companies responsible. Remember that you are buying for long term insurance products.Make sure the service you'll get is the best. (Fa)
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