Asuransi merupakan salah satu cara untuk mencapai financial freedom. Fungsi dari asuransi sendiri adalah membantu meminimalisir resiko yang terjadi pada kita atau keluarga kita. Bentuk bantuan yang asuransi berikan adalah dengan memberikan bantuan pembayaran sejumlah biaya atau ganti rugi guna meringankan beban keuangan ketika kamu mendapatkan musibah. Penting juga loh untuk mengetahui jenis asuransi yang ingin kita gunakan.
Jika kamu sudah memiliki asuransi, jenis asuransi apa yang sudah kamu miliki? Apakah asuransi tersebut termasuk asuransi konvesional atau syariah? Jika kamu takut akan unsur riba yang terdapat di asuransi konvesional, kamu boleh memilih asuransi syariah yang akadnya sesuai dengan muamalah dalam agama islam. Lantas, apa saja persamaan dan perbedaan antara asuransi konvensional dan asuransi syariah? Simak informasi berikut ini, ya!
PERSAMAAN Jenis Asuransi Ini
Secara umum asuransi terbagi menjadi 2, yaitu konvensional dan asuranasi syariah. Persamaan dari kedua asuransi tersebut terletak pada akad atau transaksi yang bersifat terus menerus, transaksi berdasarkan kesepakatan antara masing-masing pihak, dan sama-sama memberikan jaminan keamanan bagi nasabahnya.
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PERBEDAAN Jenis Asuransi Ini
#1 Jenis Asuransi Syariah Diawasi Langsung Oleh DSN (Dewan Syariah Nasional)
Selain mengurus pengawasan terhadap bank dan investasi syariah, MUI melalui Dewan Syariah Nasional (DSN) juga ikut serta melakukan pengawasan di asuransi syariah. Tugas DSN di asuransi syariah adalah mengawasi semua bentuk pelaksanaan ekonomi syariah di indonesia, yang terdiri dari mengeluarkan aturan/fatwa, dan menimbang berbagai bentuk harta yang di asuransikan sesuai anjuran islam.
#2 Pengambilan Dana Yang Tidak Di klaim
Jika dalam asuransi konvensional dana yang tidak kamu klaim akan hilang, maka berbeda dengan asuransi syariah yang dapat mengambil dana bahkan yang tidak kamu klaim.
#3 Berbagai Jenis Layanan dan Klaim
Ada sebuah keunikan dalam hal layanan dan klaim yang di berikan oleh asuransi syariah, yaitu dapat memberikan perlindungan biaya untuk seluruh anggota keluarga dengan sistem cashless. Selain itu, asuransi syariah juga memungkinkan anda untuk membayar premi lebih murah karena satu polis dapat di gunakan oleh seluruh anggota keluarga.
#4 Manajemen Dana Asuransi
Asuransi syariah menerapkan transaparansi dalam memanajemen dana milik nasabah. Dengan ini, kamu akan mengetahui keuntungan yang kamu dapat dari pengelolaan dana tersebut.
#5 Dana Nasabah Tidak Di gunakan Untuk Investasi Perusahaan
Jika dalam perusahaan asuransi konvensional mereka dapat mengatur dana nasabah tanpa sepengetahuan pemilik dana, berbeda dengan perusahaan asuransi syariah. Jika mereka ingin menggunakan dana nasabah, maka pihak perusahaan akan berunding terlebih dahulu dengan nasabah selaku pemilik dana.
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#6 Pengelolaan Risiko
Prinsip sharing of risk umumnya di terapkan oleh perusahaan asuransi syariah. Pada prinsip ini beban risiko akan di bagi secara rata antara perusahaan dengan peserta asuransi.
#7 Keuntungan Asuransi Syariah
Sistem bagi hasil diterapkan oleh perusahaan asuransi syariah pada saat mendapatkan keuntungan. Sistem ini akan mengatur pembagian hasil keuntungan kepada perusahaan dan nasabah.
#8 Akad Tabarru
Tabarru (hibah) adalah sebuah cara yang dilakukan oleh sekelompok orang untuk saling membantu, menjami, dan bekerja sama untuk mengumpulkan dana. Sistem ini lah yang digunakan oleh perusahaan asurransi syariah dalam pelaksanaan akad-nya.
#9 Wajib Membayar Zakat
Peserta asuransi syariah akan diwajibkan untuk membayar sejumlah zakat berdasarkan pada penyesuaian keuntungan yang diperoleh perusahaan asuransi.
#10 Kepemilikan Dana Asuransi
Dalam pengelolaan dana peserta, peran perusahaan adalah sebagai pengelola uang saja. Untuk dana peserta yang ada di perusahaan asuransi, kepemilikan dana tersbut adalah milik bersama atau milik semua peserta.
Risiko Minim Dengan Jenis Asuransi Syariah
Setelah kamu melihat persamaan dan perbedaan antara asuransi syariah dan konvensional, kini saatnya kamu untuk memilih asuransi yang sesuai kebutuhanmu. Jika kamu ingin transparansi pengelolaan dana dan mendapatkan harga premi yang lebih murah, maka asuransi syariah bisa menjadi pilihanmu.
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Semoga artikel jenis asuransi ini bermanfaat. Jika kamu suka artikel ini, sebarkan informasi ini kepada teman dan kerabatmu yang masih bingung menentukan asuransi.
Sumber:
https://ifg-life.id/2022/07/10/apa-perbedaan-asuransi-syariah-dan-konvensional-begini-penjelasannya/
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