"Takaful?Tak adalah Nis. Insurans ni semua bukan betul. Malaslah nak join" jawab Ain sambil lewa.
"Kenapa Ain cakap macam tu?" tanya Anis lembut sambil membetulkan kedudukan tudungnya yang berwarna biru air.
"Yelah entah betul ntah tak dapat Insurans tu kalau apa-apa jadi. Banyak orang cakap Insurans ni banyak menipu. Dalam kontrak macam-macam cakap, nanti bila dah jadi nak claim pun tak dapat kalau dapat pun makan tahun. Entahlah Nis, orang cakap juga kalau termiss bayar nanti burn lah Insurans kita. Penatlah bayar kalau macam tu. Kalau dah bertahun-tahun bayar tak ke membazir kalau akaun kita kena terminate." ujar ku sambil membelek-belek risalah Takaful yang diberikan Anis.
"Ain rasa Takaful tu apa?" soal Anis sambil memandang anak mataku.
Ni yang lemah ni kalau soalan defination...Huhu
"Sama jelah macam Insurans cuma namanya kot ke arah islamic sikit" jawab ku tak pasti. Apa ye sebenarnya takaful tu?? Tapi lambang baru Etiqa tu comel je tengok kan.
"Sebenarnya Ain, inilah salah faham kita tentang Takaful. Ain tahu tak Takaful tu tak sama macam Insurans?" tanya Anis lagi.
Aku mengelengkan kepala perlahan.
" Inilah perbezaanya." Anis menghulur sehelai kertas kepadaku.
Perbezaan Antara Takaful dan Insurans
| Takaful | Insuran |
| Sistem Islam | Sistem Kapitalis |
| Mengajak/Menyertai | Menjual/Membeli |
| Sumbangan (Derma Bersyarat) | Premium |
| Akad | Kontrak |
| Pengendali | Penanggung |
| Pelaburan Saham yang HALAL sahaja | Pelaburan apa sahaja saham |
| Lembaga Pengarah | Lembaga Pengarah |
| Lembaga Pengawasan Syariah | Tiada |
| Mudharabah (80/20) | Dividen (%) |
| Tiada Gharar ( ketidakpastian ) | Gharar ( ketidakpastian ) |
| Tiada Maisir ( Judi ) | Maisir ( Judi ) |
| Tiada Riba | Riba |
Table taken from : http://mytakafulnasional.blogspot.com/
" Selain dari ia dapat melindungi kita dari musibah, Takaful juga berperanan sebagai tabung simpanan kita. Memang ramai orang diluar cakap macam-macam tentang claim Takaful dan Insurans. Namun, peratusan besar yang meyebabkan mereka lambat menerima claim adalah kerana kebanyakkan dokumen mereka tidak lengkap dan mengelirukan." Anis menerangkan kepada ku dengan mendalam.
Author's opinion about Takaful :
1. Think of your future : We don't know what might happen to us in future or even tomorrow. A lot of things can happen. We did not know also either we still alive tomorrow or our health will always be in a good condition. We wouldn't know if accident happen to us and we become paralysed and can't afford to raise our family anymore. Just like what people says " Malang tak berbau"...If you have save a lot of money and nearly become a Millionaire you wouldn't care maybe what will happen tomorrow because you still can continue living with security. But for those whose only had a little in the saving account, how do you think you can still support your daily expanse dan your family?? I think that Takaful can help us bu decrease our worried over money and security. They got minimum plan which allowed to save RM 100 into the Takaful account and you get great protection with it.
2. Savings : Takaful also keep some of the money that we pay in Takaful saving account ( its got some term. I forget the details ). This savings can only withdrawn after five years and I think its around 80% from the total account ( if I cite some mistakes, kindly correct it ppl out there =) ). And the account also gain interest around 5.5% per year ( if I'm not mistaken too). So calculate how much have save in five years plus the security Takaful provide.
3. Time to repay parents kindness : What have we do to pay our parents kindness?? Did our saving money are enough to let them live with comfort if anything happens to us. Would they have enough money to keep us if we become paralysed? or we will become burden to them again? I love my mama, I don't want my mama suffer anymore. After all the hard effort she have done to raised me what I want in the end is just She will become happppy ever after. So did you right...
For people out there who has fixed income every months. Who could save around RM 100 a month. I suggest sign up for Takaful. Good things are meant to be shared together =)
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