Kenapa Takaful Ikhlas?

1.      Prinsip Muamalat Islam & ada Majlis Pengawasan Syariat

2.     Anak syarikat MNRB Holding Berhad.

3.      Konsep Tabarru’ & berdasarkan semangat kerjasama ( kekal bersedekah ) – Bukan kontrak jual beli

4.      Perniagaan yang kukuh dan terjamin

5.      Bebas dari gharar, maisir dan riba’

6.      Menyimpan wang dalam institusi kewangan yang diluluskan oleh kerajaan atau BNM. (Simpanan untuk hari tua, menunaikan fardhu haji, kahwin, perlindungan keluarga, penyediaan ‘wang segera’, wang kecemasan, Gantian Pendapatan,  atau tujuan lain) 

  •  
    • Sumbangan dimasukkan kedalam tabung simpanan peserta
    • Sumbangan bagi Rider sebahagiannya menjadi simpanan

7.      Pembahagian Harta Pusaka / Wang Simpanan mengikut Hukum Faraid

8.     Pengeluaran sebahagian simpanan (tiada faedah & tiada bayaran balik) 3 kali pengeluaran selepas 5 tahun polisi berkuatkuasa

9.     Zakat perniagaan dibayar oleh Takaful Ikhlas

10.    Bayaran yang fleksibel / setara (tiada pertambahan – jika lambat bayar)

11.    Keuntungan dipulangkan kepada peserta – berdasarkan Prinsip Al-Wakalah

12.    Umur maksima peserta/pembayar adalah 65 tahun

13.    Tidak mementingkan diri sendiri. ( bersetuju menanggung bersama kerugian peserta lain )

14.   Pelepasan Cukai Pendapatan (sendiri-RM5000 dan anak-RM3000)

15.    Pendapatan Keluarga Takaful setiap bulan

16.    Peluang menambah simpanan & pelaburan

17.    Bayaran harian jika masuk hospital.

18.    Bayaran jika kena 40 jenis penyakit kritikal (salah satu sahaja)

19.    Bayaran untuk khairat kematian. (dalam tempoh 24 jam).

20.    Manafaat perlindungan bertempoh (boleh dirundingkan)

21.    Manafaat perlindungan kemalangan diri.

22.   Tempoh lewat membayar sumbangan dilonggarkan sehingga 30 hari.

23.    Menggunakan wang Tabung Simpanan Peribadi untuk mengekalkan manafaat jika sumbangan tidak dibayar

24.    Sumbangan dikecualikan jika pembayar kematian, hilang upaya kekal atau mengidap penyakit kritikal. (pelan kanak-kanak)

25.    Sumbangan dikecualikan apabila mengidap 39 jenis penyakit dan Hilang Upaya Kekal (TPD)

26.    Pengiraan keuntungan – secara  bulanan.

27.    Polisi matang pada umur peserta 75 tahun kecuali pelan kanak-kanak pada umur 23 tahun.

28.    Hadiah jika anak cemerlang (pelan kanak-kanak : UPSR-5A, PMR-7A, SPM-7A)

29.    Jawatankuasa Fatwa Kebangsaan dalam persidangan ke 16  (15 Februari 1979) dan Akademi Fekah Islam (Majmah Fiqh) dalam mesyuaratnya di Jeddah  (22 – 28 Dis 1985) telah memutuskan iaitu:

“insurans nyawa sebagaimana yang dijalankan oleh syarikat-syarikat insurans convensional adalah suatu muamalah yang fasid (rosak/tidak sah) yang tidak sesuai dengan prinsip-prinsip Islam.”

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