{"id":1430,"date":"2021-09-10T15:03:10","date_gmt":"2021-09-10T07:03:10","guid":{"rendered":"https:\/\/blog.bjak.com\/?p=1430"},"modified":"2025-11-05T17:16:11","modified_gmt":"2025-11-05T09:16:11","slug":"takaful-dan-hibah-antara-produk-dan-kaedah","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/takaful-dan-hibah-antara-produk-dan-kaedah","title":{"rendered":"Takaful dan Hibah -Antara Produk dan Kaedah"},"content":{"rendered":"\n<p>Takaful dan hibah merupakan dua perkara yang tidak asing lagi dalam kalangan kita. Kedua-duanya mempunyai hubung kait dan peranan yang tersendiri.<\/p>\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-69d750a826d20\" 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-69d750a826d20\"><\/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-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/takaful-dan-hibah-antara-produk-dan-kaedah\/#Takaful\" title=\"Takaful\">Takaful<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/takaful-dan-hibah-antara-produk-dan-kaedah\/#Hibah\" title=\"Hibah\">Hibah<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/takaful-dan-hibah-antara-produk-dan-kaedah\/#Hibah_Takaful\" title=\"Hibah Takaful\">Hibah Takaful<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Takaful\"><\/span><strong>Takaful<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Majoriti penduduk Malaysia yang beragama Islam akan memilih perlindungan Takaful berbanding insurans konvensional kerana ia bebas daripada tiga unsur yang dilarang oleh Islam iaitu unsur riba\u2019, gharar (ragu-ragu) dan masyir (judi). Namun perlu diketahui bahawa perlindungan Takaful tidaklah hanya terhad kepada umat Islam malah turut boleh digunakan oleh agama lain.<\/p>\n\n\n\n<p>Melalui Takaful, pemegang-pemegang polisi yang juga dikenali sebagai peserta akan bersama-sama membuat sumbangan secara bulanan ke dalam tabung. Wang yang dikumpul itu kemudiannya akan dilaburkan ke dalam pasaran saham patuh syariah agar ia dapat memberi manfaat kepada peserta pada masa akan datang.<\/p>\n\n\n\n<p>Selain itu, untuk pengetahuan anda Takaful menggunakan konsep kerjasama dan perkongsian risiko yang mana segala risiko ditanggung bersama oleh semua pihak di bawah perlindungan Takaful terbabit. <\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Hibah\"><\/span><strong>Hibah<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Secara mudahnya, hibah membawa maksud pemberian atau &#8216;hadiah&#8217; yang dibuat secara terus oleh pemberi hibah ketika hayatnya kepada penerima sebagai tanda kasih sayang. <\/p>\n\n\n\n<p>Melalui hibah, penerima tidak lagi perlu melalui proses faraid dan harta\/ barang tersebut menjadi milik penerima secara terus. Bagaimanapun, manfaat hibah hanya akan diperoleh oleh penerima setelah pemberinya meninggal dunia.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Hibah_Takaful\"><\/span><strong>Hibah Takaful<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Anda perlu faham bahawa hibah takaful bukanlah sejenis produk. <\/p>\n\n\n\n<p>Tetapi, hibah Takaful adalah kaedah bagaimana manfaat daripada pampasan itu akan diagihkan. <\/p>\n\n\n\n<p>Dengan kata mudahnya, melalui hibah Takaful, sekiranya pemegang polisi Takaful meninggal dunia, pengagihan wang pampasan oleh syarikat Takaful akan diberikan secara hibah iaitu secara terus kepada penerima manfaat.<\/p>\n\n\n\n<p>Melalui hibah, penerima sekurang-kurangnya akan dapat meneruskan kehidupan yang lancar dan baik menggunakan wang pampasan yang diterima.<\/p>\n\n\n\n<p><em> Dapatkan perlindungan Takaful melalui <a href=\"https:\/\/bjak.com\/life\/en\/\">Bjak<\/a> dan lakukan hibah untuk yang tersayang. Jika anda terdapat persoalan mengenai perlindungan Takaful mahupun hibah, sila jangan teragak-agak untuk bercakap ejen tanpa komisen kami pada bila-bila masa. <\/em> <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Takaful dan hibah merupakan dua perkara yang tidak asing lagi dalam kalangan kita. Kedua-duanya mempunyai hubung kait dan peranan yang tersendiri. Takaful Majoriti penduduk Malaysia yang beragama Islam akan memilih perlindungan Takaful berbanding insurans konvensional kerana ia bebas daripada tiga unsur yang dilarang oleh Islam iaitu unsur riba\u2019, gharar (ragu-ragu) dan masyir (judi). Namun perlu&hellip;&nbsp;<a href=\"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/takaful-dan-hibah-antara-produk-dan-kaedah\" class=\"\" rel=\"bookmark\">Read More &raquo;<span class=\"screen-reader-text\">Takaful dan Hibah -Antara Produk dan Kaedah<\/span><\/a><\/p>\n","protected":false},"author":4,"featured_media":1440,"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":[351],"tags":[26,82,83,93,203],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Takaful dan Hibah -Antara Produk dan Kaedah | BJAK<\/title>\n<meta name=\"description\" content=\"Fahami apakah yang dimaksudkan dengan Takaful dan hibah.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/takaful-dan-hibah-antara-produk-dan-kaedah\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Takaful dan Hibah -Antara Produk dan Kaedah | BJAK\" \/>\n<meta property=\"og:description\" content=\"Fahami apakah yang dimaksudkan dengan Takaful dan hibah.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/takaful-dan-hibah-antara-produk-dan-kaedah\" \/>\n<meta property=\"og:site_name\" content=\"BJAK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/bjak.my\" \/>\n<meta property=\"article:published_time\" content=\"2021-09-10T07:03:10+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-05T09:16:11+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/08\/befunky-collage-1-2.jpg?fit=800%2C400&#038;ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"800\" \/>\n\t<meta property=\"og:image:height\" content=\"400\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:site\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Athirah Hanapiah\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Organization\",\"@id\":\"https:\/\/bjak.my\/blog\/#organization\",\"name\":\"Bjak\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"sameAs\":[\"https:\/\/www.facebook.com\/bjak.my\",\"https:\/\/www.instagram.com\/bjak.my\",\"https:\/\/www.linkedin.com\/company\/14607755\/admin\/\",\"https:\/\/twitter.com\/bjakmy\"],\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"contentUrl\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"width\":756,\"height\":756,\"caption\":\"Bjak\"},\"image\":{\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\"}},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/bjak.my\/blog\/#website\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"name\":\"BJAK\",\"description\":\"Renew your car and motor insurance at the lowest price! 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