broearn
Broadcast
Broearn adalah pelayar web 3.0 yang selamat dan peribadi berdasarkan teknologi blockchain dengan penghalang iklan yang dibina dan dompet digital Broearn.
Sharia Insurance Plays a Role in Risk Management and Asset Protection
Dari  republik
-
Baca lagi
·
in 2 months

REPUBLIKA.CO.ID, JAKARTA -- Sharia insurance plays an important role in managing financial risks, especially in protecting assets from the effects of health crises and unexpected financial conditions. Global data show that 43 million people will die from critical illness by 2023.

In Indonesia, cases of critical illness increased dramatically by 28 percent in just one year, from 23 million cases in 2022 to 29 million in 2023. Without proper protection, a person risks losing not only his health, but also financial stability and wealth assets.

“We often feel safe because we have assets, but when a health emergency comes, those assets can't always be immediately disbursed. Insurance, including sharia-based insurance, plays a role in managing financial risks, such as financial risks for example,” explained Prudential Sharia Chief Customer & Marketing Officer Vivin Arbianti Gautama at the Global Islamic Finance Summit 2025 on Tuesday (29/4/2025).

Sharia insurance provides benefits when there is a risk of death, as well as a health risk.

In sharia insurance, there is a plus that is given to each customer, namely in the form of help between fellow participants. Each participant who pays for sharia insurance will contribute to helping other customers in the event of an accident.

“So, when a customer never makes a claim, he will still be counted on to contribute, making an impact on other customers,” Vivin said.

In addition, sharia insurance adheres to the principles of free usury, gharar, and maysir, participant funds are managed transparently and fairly in the spirit of gotong royong through the Tabarru' Fund. This principle is the strength of sharia insurance, in which participants contribute to help each other in the face of various life risks, so that protection is not only a manifestation of individual protection but also a form of social care for achieving prosperity in life.

The benefits of sharia insurance benefits do not only arise in the event of an accident. It is also part of long-term wealth planning strategies, such as preparing retirement funds, supporting children's education planning, to maintaining the availability of emergency funds without the need to sacrifice productive assets.

Benefit from insurance can also be an important source of liquidity to maintain the viability of a business and family or prepare a valuable relic for the family.

“Prevention is always better than cure, including in managing finances. With insurance, particularly sharia insurance, we protect ourselves from large unexpected losses, keep assets safe, and provide peace of mind for families,” Vivin said.

 

Related content
Family dispute: Indore cop shoots self with service rifle after wife leaves for maternal home; probe on
Most Recent
toi 
· 
in 7 minutes
With surge in luxury travel, hospitality group Triton Hotels and Resorts plans new hotels, expansion in Tier2 and Tier3 cities
Most Recent
toi 
· 
in 8 minutes
IndiGo debuts direct Mumbai-Amsterdam flights: Eyes leisure, business & student travel; check flight schedule
Most Recent
toi 
· 
in 10 minutes
Madhya Pradesh: Eunuchs tonsure 'fake' community member in public
Most Recent
toi 
· 
in 11 minutes
Uttar Pradesh encounter: Accused opens fire on police during weapon recovery, shot in leg
Most Recent
toi 
· 
in 11 minutes
Land Rover Defender Octa goes stealth with Black Edition: Check pics
Most Recent
toi 
· 
in 12 minutes
Swiss Alps hits annual glacier tipping point weeks early
Most Recent
toi 
· 
in 14 minutes
Anshula Kapoor says she gets affected when her sisters Janhvi Kapoor and Khushi Kapoor are trolled: 'They are the bravest and kindest girls'
Most Recent
toi 
· 
in 17 minutes
K-Pop Demon Hunters OST Storms the World - Why Every Young Fan Is Obsessed Right Now?
Most Recent
toi 
· 
in 17 minutes
BHU's viral research laboratory achieves NABL accreditation for excellence in diagnostics
Most Recent
toi 
· 
in 17 minutes
More
broearnBuka dalam Broearn APP