With the increasing number of Islamic insurance is standing, course selection (prospective) customers become more and more, not just one or two companies that offer a wide range of product features, but even companies that have dozens of Islamic insurance products.
So that we do not choose the wrong Islamic insurance, here are some tips that we need to consider:
1. Knowing Needs
Holder or insurance buyer must find out what insurance a necessity. The need to form Life Insurance, Health Insurance, Accident Insurance, Insurance Education or insurance that also functions for investment (unitlink). If you are in doubt, ask the opinion of relatives, colleagues, or insurance sales agent you trust.
2. Choosing a Management Company Sharia Insurance
Find out how long the company has run Islamic insurance business. The longer a company engaged in the business she lived, of course, could describe how the condition of the company. In addition, how the experience of the company in payment of claims to their customers, what ever the company is negligent in terms of claim payments to its customers.
3. Sharia Supervisory Board (SSB)
All Islamic financial institutions including Islamic insurance has a Sharia Supervisory Board (SSB). DPS consists of people who understand the Islamic economy. The presence of DPS will ensure that all insurance products are managed in ways that are permitted by sharia.
4. Clarity Akad Insurance
The contents of the agreement plays an important role regarding the status of insurance policy premiums. When akadnya Islamic insurance, there is no term "sunk funds" for life insurance, so if the customer for any reason not to extend the premium, then it should fund premiums already paid previously is still there, although there were not 100% anymore. This is because the funds paid customers have been reduced administrative costs while taking care of the insurance policy.
5. Learn Illustrations Provided
Insurance illustrations depict estimate of how much funding will be obtained by prospective customers for the end of the period of the agreement. If illustrations are given very unnatural, such as providing benefits (profit sharing) is very far above the results of Islamic banking in general, we do not immediately tempted, but we have to react wisely. Notice the assumptions contained in the illustration sheet.
6. Adjust Insurance with Benefits
Before choosing an insurance program, read the first insurance program benefits and features that we wish to buy. For example, the benefits only to the risk of death, then we will not get the benefit when we just had a sick or injured. Or conversely, that we bought is just an accident insurance product, then we will not get the benefit when we're exposed to certain diseases.
7. Premium Rates
Premium rates are quite competitive (fair) in value is not cheap, can be used as a benchmark in choosing an insurance company who will we choose, however this is not the main, because it could be with premiums that are too cheap, the company wanted to dredge the big funds, while the benefits provided insurance has been narrowed. Eg car insurance with only 1.00% rate will not necessarily sufficient to cover operating expenses the company, let alone to pay the claim.
8. Choosing a Selling Agent
Choose an insurance sales agent you trust can provide an explanation of products correctly and complete. Professional selling agent who has a membership number AAJI (Life Insurance Association of Indonesia). They have been through the stages of examination as a professional agent and registered officially. So if you later have problems with your policy, the existence of agents and insurance companies can be found partially responsible. Remember that you purchase insurance for long-term product. Make sure the service you'll get is the best.
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