{"id":1123,"date":"2021-09-10T16:06:48","date_gmt":"2021-09-10T08:06:48","guid":{"rendered":"https:\/\/bjakmy.wordpress.com\/?p=1123"},"modified":"2025-11-05T17:27:44","modified_gmt":"2025-11-05T09:27:44","slug":"keliru-antara-insurans-konvensional-dan-takaful-lihat-5-perbezaan-ini","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/info\/keliru-antara-insurans-konvensional-dan-takaful-lihat-5-perbezaan-ini","title":{"rendered":"Beza Insurans Konvensional dan Takaful &#8211; Ini yang Anda Kena Tahu!"},"content":{"rendered":"\n<p>Seperti yang kita sudah sedia maklum, Takaful adalah satu pelan insurans patuh syariah dan berkonsepkan Islamik, manakala insurans konvensional pula adalah sebaliknya.<\/p>\n\n\n\n<p>Dalam urusan pembelian insurans, mungkin ada dalam kalangan kita yang masih keliru mengenai pelan perlindungan Insurans Konvensional dengan Takaful.&nbsp;<\/p>\n\n\n\t<div class=\"wp-block-jetpack-gif\">\n\t\t<figure>\n\t\t\t\t\t\t\t<div class=\"wp-block-jetpack-gif-wrapper\" style=\"padding-top:75%\">\n\t\t\t\t\t<iframe src=\"https:\/\/giphy.com\/embed\/vsZF2hC9cH0Mo\" title=\"https:\/\/media.giphy.com\/media\/vsZF2hC9cH0Mo\/giphy.gif\"><\/iframe>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/figure>\n\t<\/div>\n\t\n\n\n<p>Justeru, di bawah ini merupakan<strong> 5 perbezaan antara pelan insurans konvensional dengan Takaful <\/strong>yang kami rasakan anda perlu tahu:<\/p>\n\n\n\n<figure class=\"wp-block-table aligncenter\"><table><tbody><tr><td><strong>INSURANS KONVENSIONAL<\/strong><\/td><td><strong>TAKAFUL<\/strong><\/td><\/tr><tr><td>Tertakluk kepada akta dan undang-undang kerajaan sahaja<\/td><td>Tertakluk kepada undang-undang Shariah dan undang-undang kerajaan<\/td><\/tr><tr><td>Berdasarkan faktor risiko<\/td><td>Menggunakan konsep kerjasama<\/td><\/tr><tr><td>Premium hasil sumbangan pemegang insurans boleh dilabur dalam semua bentuk pelaburan<\/td><td>Dana pemegang Takaful hanya boleh dilaburkan dalam pelaburan patuh Shariah sahaja<\/td><\/tr><tr><td>Mungkin mengandungi unsur riba\u2019, gharar (ragu-ragu) dan masyir (judi)<\/td><td>Bebas dari segala unsur riba\u2019, gharar (ragu-ragu) dan masyir (judi)<\/td><\/tr><tr><td>Risiko ditanggung oleh syarikat insurans sebaik sahaja bayaran dibuat oleh pemegang insurans<\/td><td>Menggunakan konsep perkongsian risiko. Segala risiko ditanggung bersama oleh semua pihak di bawah perlindungan Takaful terbabit<\/td><\/tr><\/tbody><\/table><figcaption>Perbezaan antara Insurans Konvensional dengan Takaful<\/figcaption><\/figure>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_50 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Contents =<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\" role=\"button\"><label for=\"item-69d46e92148f4\" aria-hidden=\"true\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999999;color:#999999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999999;color:#999999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69d46e92148f4\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bjak.my\/blog\/info\/keliru-antara-insurans-konvensional-dan-takaful-lihat-5-perbezaan-ini\/#Apakah_hukum_umat_Islam_menyertai_Insurans_Konvensional\" title=\"Apakah hukum umat Islam menyertai Insurans Konvensional? \">Apakah hukum umat Islam menyertai Insurans Konvensional? <\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/info\/keliru-antara-insurans-konvensional-dan-takaful-lihat-5-perbezaan-ini\/#Umat_Islam_wajib_memilih_yang_halal\" title=\"Umat Islam wajib memilih yang halal \">Umat Islam wajib memilih yang halal <\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/info\/keliru-antara-insurans-konvensional-dan-takaful-lihat-5-perbezaan-ini\/#Cari_ejen_Takaful_yang_sah\" title=\"Cari ejen Takaful yang sah \">Cari ejen Takaful yang sah <\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"Apakah_hukum_umat_Islam_menyertai_Insurans_Konvensional\"><\/span>Apakah hukum umat Islam menyertai Insurans Konvensional? <span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Berdasarkan daripada perbezaan-perbezaan yang dinyatakan di atas, ia menyatakan bahawa insurans konvensional mempunyai beberapa unsur yang dilarang oleh Islam iaitu unsur riba&#8217;, gharar (ragu-ragu) dan juga masyir (judi).<\/p>\n\n\n\n<p>Bagi umat Islam sendiri, mencari yang halal untuk dimakan atau digunakan adalah wajib dan merupakan suatu perkara yang difardukan oleh Allah. <\/p>\n\n\n\n<p>Justeru menurut Muzakarah Jawatankuasa Fatwa Majlis Kebangsaan Bagi Hal Ehwal Ugama Islam Malaysia (MJFK), berdasarkan kepada keputusan mengenai perbahasan tentang status insurans konvensional, ia menyatakan bahawa secara umumnya semua jenis insurans konvensional sama ada insurans nyawa, insurans am serta memperomosikannya juga adalah<strong> haram<\/strong> kerana ia mempunyai tiga unsur seperti yang telah dinyatakan di atas.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Umat_Islam_wajib_memilih_yang_halal\"><\/span>Umat Islam wajib memilih yang halal <span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Berdasarkan kepada keputusan mengenai status insurans konvensional, MJFK berpandangan, sebagai alternatif, umat Islam di Malaysia khususnya perlu mengambil produk-produk Takaful yang patuh syariah yang memberi tawaran untuk pelbagai jenis perlindungan mengikut syariah Islam. <\/p>\n\n\n\n<p>Anas bin Malik meriwayatkan dari Rasulullah SAW, bersabda;<em> <strong>\u201cMencari yang halal adalah suatu kewajipan ke atas setiap Muslim\u201d<\/strong>.&nbsp;Diriwayatkan oleh al-Thabarani dengan sanad yang baik (hasan).&nbsp;<\/em><\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Cari_ejen_Takaful_yang_sah\"><\/span>Cari ejen Takaful yang sah <span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Untuk yang ingin mendapatkan perlindungan Takaful, pastikan dahulu ejen tersebut telah didaftarkan di bawah Persatuan Takaful Malaysia (Malaysian Takaful Association MTA). Untuk mengetahui status ejen Takaful anda, semak sahaja status ejen berkenaan di laman web rasmi MTA bagi mengelakkan sebarang penipuan.<\/p>\n\n\n\n<p>Dalam pada itu, anda juga boleh mendapatkan perlindungan Takaful melalui Bjak. Dari hanya RM150\/ sebulan, anda boleh mendapatkan pelan lengkap semua-dalam-satu buat diri anda mahupun keluarga.<\/p>\n\n\n\n<p>Layari <a href=\"https:\/\/bjak.com\/life\/en\/\">Bjak<\/a> sekarang untuk berhubung dengan ejen tanpa komisyen kami.<\/p>\n\n\n\n<p>Rujukan:<\/p>\n\n\n\n<p><a href=\"http:\/\/e-muamalat.islam.gov.my\/en\/bahan-ilmiah\/artikel\/148-menyertai-polisi-insurans-konvensional-halal-atau-haram\">Sumber 1<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Seperti yang kita sudah sedia maklum, Takaful adalah satu pelan insurans patuh syariah dan berkonsepkan Islamik, manakala insurans konvensional pula adalah sebaliknya. Dalam urusan pembelian insurans, mungkin ada dalam kalangan kita yang masih keliru mengenai pelan perlindungan Insurans Konvensional dengan Takaful.&nbsp; Justeru, di bawah ini merupakan 5 perbezaan antara pelan insurans konvensional dengan Takaful yang&hellip;&nbsp;<a href=\"https:\/\/bjak.my\/blog\/info\/keliru-antara-insurans-konvensional-dan-takaful-lihat-5-perbezaan-ini\" class=\"\" rel=\"bookmark\">Read More &raquo;<span class=\"screen-reader-text\">Beza Insurans Konvensional dan Takaful &#8211; Ini yang Anda Kena Tahu!<\/span><\/a><\/p>\n","protected":false},"author":4,"featured_media":1128,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","spay_email":""},"categories":[1],"tags":[19,26,93,137,168,203],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Beza Insurans Konvensional dan Takaful - Ini yang Anda Kena Tahu! | BJAK<\/title>\n<meta name=\"description\" content=\"Ramai yang mungkin masih keliru perbezaan antara insurans konvensional dengan Takaful. 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