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Sharia Insurance Fund Management

In the actual operation of Sharia Insurance is mutual responsibility, help-help and protect the participants themselves. Insurance companies are entrusted (trust) by the participants to manage premiums, develop in lawful ways, provide compensation to the unfortunate according to the contents of the deed of agreement.

The profit of sharia insurance companies is obtained from the profit share of the participants' funds, which are developed under the mudaraba principle (profit sharing system). Sharia insurance participants are domiciled as capital owners and sharia insurance companies function as those running capital. Profits derived from the development of funds are shared between participants and companies in accordance with agreed terms.

The fund management mechanism of participants (premiums) is divided into two systems, namely; Systems that contain elements of savings and Systems that do not contain elements of savings.

1. System containing elements of savings 

Each participant is required to pay a certain amount of money regularly to the company. The amount of premium to be paid depends on the ability of the participants. However, the company determines the minimum amount of premiums that can be paid. Each participant can pay the premium, through a checking account, current account or pay directly. Participants can choose how to pay, whether monthly, quarter, semester or year.

Each premium paid by the participant will be separated by the insurance company in two different accounts, namely:

a. Savings Account, which is a collection of funds belonging to the participant, paid when:

  • Agreement expires
  • Participants resign
  • Participants died

b. Tabarru 'Account, which is a collection of funds intended by the participants as a duty of virtue for the purpose of mutual help-help and mutual assistance, paid when:

  • Participants died
  • The agreement has expired (if there is a surplus of funds)

This fund of participants will be invested in accordance with Islamic sharia. Each profit from the investment proceeds, net of the insurance expense (claims and reinsurance premium), will be divided according to Al-Mudharabah principles. The percentage of mudharabah distribution (profit sharing) is made in a fixed ratio based on the cooperation agreement between the company and the participant.

2. Systems that do not contain elements of savings 

Any premium paid by the participant will be included in the Tabarru Account, which is a collection of funds intended by the participant as a duty of virtue for the purpose of mutual help-help and mutual assistance, and is paid when:

  • Participants died
  • The agreement has expired (if there is a surplus of funds)

This fund of participants will be invested in accordance with Islamic sharia. Profits from the investment proceeds after deducting the insurance expenses (claims and reinsurance premiums), will be shared between participants and companies according to Al-Mudharabah principles in a fixed ratio based on the agreement between the company and the participants.



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