{"id":1523,"date":"2021-09-10T15:04:09","date_gmt":"2021-09-10T07:04:09","guid":{"rendered":"https:\/\/blog.bjak.com\/?p=1523"},"modified":"2025-11-05T17:15:54","modified_gmt":"2025-11-05T09:15:54","slug":"3-salah-faham-mengenai-hibah-takaful-yang-sering-berlaku","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/3-salah-faham-mengenai-hibah-takaful-yang-sering-berlaku","title":{"rendered":"3 Salah Faham Mengenai Hibah Takaful yang Sering Berlaku"},"content":{"rendered":"\n<p>Seperti yang anda mungkin telah ketahui, hibah Takaful dimaksudkan sebagai pemberian atau &#8216;hadiah&#8217; oleh pemegang polisi Takaful (peserta) kepada penerima secara sukarela tanpa mengharapkan balasan ketika hayatnya. <\/p>\n\n\n\n<p>Melalui hibah, penerima tidak lagi perlu melalui proses faraid dan kesemua wang pampasan tersebut menjadi milik penerima secara terus.  <\/p>\n\n\n\n<p>Jika pada artikel sebelum ini kami telah berkongsikan mengenai konsep hibah Takaful, fungsi serta kelebihannya, kali ini kami akan kongsikan pula beberapa salah faham mengenai hibah Takaful yang sering berlaku. Selamat membaca!<\/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-69d74425ad204\" 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-69d74425ad204\"><\/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\/3-salah-faham-mengenai-hibah-takaful-yang-sering-berlaku\/#1_Hibah_sebahagian_daripada_produk_Takaful\" title=\"1. Hibah sebahagian daripada produk Takaful\">1. Hibah sebahagian daripada produk 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\/3-salah-faham-mengenai-hibah-takaful-yang-sering-berlaku\/#2_Hibah_hanya_untuk_ahli_keluarga_sahaja\" title=\"2. Hibah hanya untuk ahli keluarga sahaja\">2. Hibah hanya untuk ahli keluarga sahaja<\/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\/3-salah-faham-mengenai-hibah-takaful-yang-sering-berlaku\/#3_Penamaan_benifisiari_hibah_tidak_boleh_ditukar\" title=\"3. Penamaan benifisiari hibah tidak boleh ditukar \">3. Penamaan benifisiari hibah tidak boleh ditukar <\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"1_Hibah_sebahagian_daripada_produk_Takaful\"><\/span>1. Hibah sebahagian daripada produk Takaful<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img loading=\"lazy\" src=\"https:\/\/i0.wp.com\/www.iccbc.com\/wp-content\/uploads\/2017\/10\/gift.jpg?resize=415%2C276&#038;ssl=1\" alt=\"\" width=\"415\" height=\"276\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Ini adalah salah faham yang sering berlaku mengenai hibah. Ramai individu tidak kira pelanggan mahupun ejen Takaful  yang masih menganggap dan mempromosikan hibah sebagai salah satu produk Takaful.<\/p>\n\n\n\n<p>Anda perlu tahu bahawa Takaful dan hibah mempunyai fungsi yang berbeza walaupun saling berkait rapat. <strong>Takaful adalah sejenis produk perlindungan<\/strong> manakala <strong>hibah adalah kaedah bagaimana pembahagian pampasan itu dilakukan.<\/strong> <\/p>\n\n\n\n<p>Anda juga perlu memahami bahawa proses hibah ini hanya boleh dilakukan kepada waris selepas kematian pemberi sahaja. Selagi si pemberi masih hidup, maka hibah juga tidak akan berlaku.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"2_Hibah_hanya_untuk_ahli_keluarga_sahaja\"><\/span>2. Hibah hanya untuk ahli keluarga sahaja<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img loading=\"lazy\" src=\"https:\/\/i0.wp.com\/fatihinabshar.com\/wp-content\/uploads\/2018\/08\/proses-buat-hibah-wasiat-pusaka-1.jpg?resize=481%2C241&#038;ssl=1\" alt=\"\" width=\"481\" height=\"241\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Salah! Pemberian hibah tidak hanya ditetapkan kepada ahli keluarga sahaja. <\/p>\n\n\n\n<p>Pemberian hibah boleh diberikan kepada penerima tertentu samada ahli keluarga atau bukan atas dasar kasih sayang dan tanpa mengharapkan balasan.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"3_Penamaan_benifisiari_hibah_tidak_boleh_ditukar\"><\/span>3. Penamaan benifisiari hibah tidak boleh ditukar <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img loading=\"lazy\" src=\"https:\/\/i0.wp.com\/cdn.aarp.net\/content\/dam\/aarp\/money\/budgeting_savings\/2020\/04\/1140-woman-reading-insurance-policy.jpg?resize=444%2C255&#038;ssl=1\" alt=\"\" width=\"444\" height=\"255\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Sebenarnya, pemegang polisi boleh membuat penukaran nama (benifisiari) sekiranya ingin berbuat demikian. <\/p>\n\n\n\n<p>Penukaran penamaan boleh dibuat pada bila-bila masa dan penamaan yang baru secara tidak langsung akan membatalkan penamaan sebelumnya secara automatik. <\/p>\n\n\n\n<p>Namun sekiranya pemegang polisi ingin menamakan semula seseorang, permohonan baru perlulah dilakukan semula. <\/p>\n\n\n\n<p>Jelas bukan? Sebenarnya mungkin terdapat banyak lagi salah faham mengenai hibah yang berlaku dalam kalangan kita. Untuk memahami lebih lanjut mengenai hibah Takaful, anda juga boleh menghubungi ejen <a href=\"https:\/\/bjak.com\/life\/en\/\">Bjak<\/a> atau membaca penjelasan kami mengenai hibah pada artikel sebelum ini.<\/p>\n\n\n\n<p>Moga bermanfaat!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Seperti yang anda mungkin telah ketahui, hibah Takaful dimaksudkan sebagai pemberian atau &#8216;hadiah&#8217; oleh pemegang polisi Takaful (peserta) kepada penerima secara sukarela tanpa mengharapkan balasan ketika hayatnya. Melalui hibah, penerima tidak lagi perlu melalui proses faraid dan kesemua wang pampasan tersebut menjadi milik penerima secara terus. Jika pada artikel sebelum ini kami telah berkongsikan mengenai&hellip;&nbsp;<a href=\"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/3-salah-faham-mengenai-hibah-takaful-yang-sering-berlaku\" class=\"\" rel=\"bookmark\">Read More &raquo;<span class=\"screen-reader-text\">3 Salah Faham Mengenai Hibah Takaful yang Sering Berlaku<\/span><\/a><\/p>\n","protected":false},"author":4,"featured_media":2154,"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":[26,82,83,187],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>3 Salah Faham Mengenai Hibah Takaful yang Sering Berlaku | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: 3 Salah Faham Mengenai Hibah Takaful yang Sering Berlaku\" \/>\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\/3-salah-faham-mengenai-hibah-takaful-yang-sering-berlaku\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"3 Salah Faham Mengenai Hibah Takaful yang Sering Berlaku | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Read about: 3 Salah Faham Mengenai Hibah Takaful yang Sering Berlaku\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/3-salah-faham-mengenai-hibah-takaful-yang-sering-berlaku\" \/>\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=\"2021-09-10T07:04:09+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-05T09:15:54+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/08\/befunky-collage-13-1.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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