Sesimpel Ini 8 Manfaat Jika Kamu Membeli Asuransi Syariah

Apakah kamu pernah mendengar tentang asuransi syariah? Atau kamu adalah salah satu orang yang membeli asuransi syariah?

Untuk kamu yang belum terlalu kenal dengan asuransi syariah, sebenarnya asuransi ini sama dengan asuransi pada umumnya, hanya saja asuransi syariah menggunakan akad yang sesuai dengan hukum islam. 

Jika kamu berminat memakai asuransi syariah, kamu harus mengetahui 8 keuntungan yang bisa kamu dapatkan dari membeli produk asuransi syariah.

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#1 Tidak menerapkan dana hangus dengan membeli asuransi syariah

Keuntungan pertama akan kamu dapatkan ketika membeli asuransi syariah adalah kamu tidak perlu takut kehilangan dana akibat tidak bisa melunasi polis. Jika pada asuransi konvensional gagal membayar polis artinya gagal mendapatkan keuntungan, asuransi syariah polis yang gagal dilunasi maka semua uang akan dikembalikan. 

#2 Berbagai jenis investasi dalam asuransi syariah

Ternyata, asuransi syariah juga menawakan berbagai instrumen investasi bagi para penggunanya. Selain itu, investasi melalui asuransi syariah juga memiliki tingkat pengemablian yang lebih tinggi daripada menabung atau deposito. 

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#3 Tidak ada konsekuensi keterlambatan membayar

Salah satu kelebihan dari memiliki asuransi syariah adalh kamu tidak akan menerima konsekuensi atau berubahan proteksi apabila kamu telat membayar premi. Perusahaan asuransi syariah akan memberikan toleransi apabila kamu mengalami keterlambatan dalam membayar. Dengan ini maka kamu akan merasa tenang dan tetap mendapatkan proteksi sesuai dengan perjanjian. 

#4 Keuntungan yang cukup besar

Berbicara tentang keuntungan dana, asuransi syariah memberikan kentungan yang cukup besar bagi pemilik asuransi syariah. Pembagian keuntungan atau nisbah yang diterapkan oleh perusahaan asuransi yaitu sebesar hampir 70% untuk nasabah dan 30% untuk pihak penyelenggara asuransi. 

#5 Pembebasan kontributor dasar dengan membeli asuransi syariah

Kelebihan lainnya yang dimiliki asuransi syariah adalah pembebasan kontributor dasar apabila terjadi ketidakmampuan secara keseluruhan yang disebabkaan kecelakaan atau penyakit. Maksudnya adalah nasabah asuransi syariah akan tetap menerima manfaat dari asuransi meskipun dalam kondisi tidak bisa melakukan apapun. 

#6 Fasilitas double claim

Fasilitas dauble claim adalah fasilitas yang paling banyak diincar oleh banyak pengguna asuransi syariah. Fasilitas ini memungkinkan kamu sebagai pemegang polis menggunakan asuransi ini untuk mencover semua anggota keluargamu. Pastinya biaya premi yang akan kamu keluarkan jauh lebih murah daripada membayar polis perorangan di asuransi konvensional. 

#7 Semua dana asuransi 100% miliki pemegang polis

Keuntungan berikutnya adalah perusahaan asuransi akan menjamin bahwa semua dana asuransi syariah milik pemegang polis adalah milik milik pemegang polis. Perusahaan asuransi hanya sebagai badan yang mengelola dana yang di berikan oleh pemilik polis. Sehingga seluruh dana yang di bayarakan oleh pemilik polis adalah miliknya tanpa terkena potongan.

#8 Prinsip tolong menolong

Asuransi syariah menerapakan prinsip ta’awun atau prinsip tolong menolong. Prinsip ini di gunakan oleh seluruh perusahaan asuransi untuk membantu nasabah mereka yang sedang mengalami kesusahan. 

Cara kerja konsep ini adalah asuransi akan mengadakan sistem tabarru’ atau sedekah yang di dapat dari pembayaran premi asuransi. Dana tabarru’ yang di kumpulkan kemudian nantinya akan di berikan untuk membantu nasabah lain atau memberikan bantuan kepada orang lain melalui program CSR (coorporate social responsibility). 

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Banyaknya Manfaat Asuransi Syariah Untuk Nasabah

Setelah membaca berbagai keuntungan yang akan kamu peroleh dari asuransi syariah, apakah kamu tertarik untuk menggunakan asuransi syariah dan merasakan manfaatnya? 

Dengan segala penawaran yang di berikan oleh perusahaan asuransi syariah, tentunya semua di lakukan agar pemilik asuransi merasa senang dan tidak akan khawatir akan pengelolaan dana asuransi. 

Semoga artikel ini bermafaat.

Sumber:

https://www.manulife.co.id/id/artikel/manfaat-dan-keunggulan-produk-asuransi-syariah.html

https://avrist.com/lifeguide/2021/04/14/keunggulan-asuransi-syariah/

https://www.allianz.co.id/explore/yuk-mengenal-lebih-dekat-manfaat-asuransi-syariah-dan-keuntungan-memilikinya.html

Penulis:

Kategori: Keuangan

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