SOMERSET - BRITAIN. Hidung seorang wanita di Britain diinsuranskan oleh majikannya sebanyak £5juta (RM25.7juta) dek kerana pekerjaannya sebagai penghidu dan perasa keju.Apa itu Hibah? Bagaimana Hibah dapat membantu dan mengurus harta keluarga? Apa kaitan Hibah dan Takaful?
Petikan dari Utusan Online:
HIBAH secara asasnya bermaksud pemberian, sedekah atau hadiah melibatkan akad yang mengandungi pemberian hak milik oleh pemilik harta kepada seseorang secara suka rela semasa hayatnya atas dasar kasih sayang tanpa mengharapkan balasan ('iwad).
Hibah adalah diharuskan sebagaimana yang dinyatakan dalam ayat 177 surah al-Baqarah.
Selain itu, terdapat hadis berkaitan urusan hibah ini. Sabda Rasulullah SAW: Berilah hadiah, kamu akan berkasih sayang. (riwayat al-Bukhari)
Berikut adalah petikan dari BHonline berkenaan Hibah & Takaful untuk rujukan:
Peserta takaful boleh menarik nafas lega apabila Majlis Penasihat Syariah (MPS) Bank Negara mengeluarkan satu resolusi bahawa takaful boleh dihibahkan. Ini bermaksud sebarang faedah kematian boleh diberi terus kepada penama tanpa perlu difaraidkan. Keputusan MPS pada 5 November 2014 berasaskan pertimbangan memandangkan peserta memilih untuk membahagikan manfaat takaful kepada penama secara hibah ketika hidup (peserta), adalah adil dan munasabah jika setiap penama mendapat bahagian sama rata bukan peratusan bahagian masing-masing. Kaedah itu boleh mengelakkan timbulnya persengketaan sesama penama jika satu pihak mendapat bahagian yang lebih berbanding pihak lain. Dalam kes kematian penama sebelum kematian peserta dan tiada penamaan baharu dibuat, hibah manfaat akan dikembalikan kepada peserta kerana tiada penerima bahagian hibah itu. Oleh itu, bahagian manfaat itu hendaklah diurus berdasarkan hukum dan prinsip faraid selepas kematian peserta kerana manfaat itu akan menjadi sebahagian daripada harta peserta.
Selanjutnya di : http://www.bharian.com.my/node/55193?m=1
Dari sudut Akta:
Hibah Dari sudut Akta Perkhidmatan Kewangan Islam 2013 (APKI). Juga dikenali sebagai IFSA 2013:
Akta Perkhidmatan Kewangan Islam 2013 (Akta 759) (APKI 2013) telah mula berkuat kuasa mulai 30 Jun 2013. APKI merupakan statut yang memansuhkan akta yang melibatkan Kewangan Islam di Malaysia, iaitu Akta Perbankan Islam 1983 (Akta 276) dan Akta Takaful 1984 (Akta 312). APKI diluluskan oleh Parlimen Malaysia bersama-sama dengan undang-undang konvensional yang berkaitan, iaitu Akta Perkhidmatan Kewangan 2013 (Akta 758) (APK 2013). APK 2013 juga mula berkuat kuasa mulai 30 Jun 2013
Aplikasi konsep Hibah dan pembahagian manfaat Takaful bertarikh 21 April 2003/19 Safar 1424:
Manfaat Takaful boleh dihibahkan kerana ia merupakan hak para peserta. Justeru, para peserta mesti dibenarkan untuk melaksanakan hak-hak mereka berdasarkan pilihan mereka selagi mana ia tidak bertentangan dengah shariah
Berdasarkan Hibah yang digunakan dalam pelan Takaful tidak akan berubah menjadi wasiat, kerana jenis Hibah yang digunakan ialah Hibah bersyarat di mana Hibah yang dibuat ialah tawaran kepada penerima untuk tempoh masa tertentu.
Jika anda perlukan lebih informasi tentang Hibah, sila hubungi:
Nonie
0126673031 (CALL/SMS/WHATSAPP)
The Life Insurance Association of Malaysia (LIAM) said that 47 of the 50 Malaysians on board Flight MH370 had insurance policies.
The figure comprised 38 passengers and 12 crew members, and their life insurance policies were with 14 companies in Malaysia.
LIAM President Vincent Kwo said about six non-Malaysians are also insured with its member companies.
"Family members or next-of-kin of policyholders can contact LIAM at 03-26916628 or email liaminfo@liam.org.my, if they wish to find out which insurance company their loved ones were insured with," he said in a statement today.
Meanwhile, in a separate statement, AIA Bhd said it would get in touch with the families of its policyholders on the flight.
"We assure the families that we will get in touch with them to expedite the processing of the life insurance claims within the next 24 hours.
"The affected family members can also contact 1300-88-8860/70 for further assistance or email members@aia.com," said Chief Executive Officer Bill Isle.
Flight MH370 went missing en route to Beijing from Kuala Lumpur. It was disclosed yesterday that the flight with 239 on board had plunged into the Southern Indian Ocean with no survivors. – Bernama, March 25, 2014.
Takaful is a new spectrum of insurance products that has emerged in recent decades. These products are based on principles, features, and structures that set them apart from conventional insurance.
Before takaful appeared on the market, many people in the Muslim community believed that trying to reduce risk went against Islam. Their perception was that because every worldly action comes from Allah’s will, people shouldn’t try to reduce or avoid the results of those actions.
Although Islam does prohibit attempting to avoid risk altogether, it doesn’t prohibit reducing risk.
The elements of uncertainty (gharar), gambling (maysir), and interest (riba) make conventional insurance products prohibited risk-sharing instruments for Muslims.
Conventional insurance is a contract between the insurer and the insured, but this contract doesn’t explicitly describe its outcome for either the insurer or the insured. And sharia doesn’t allow the sale of contracts that are based on uncertainty.
The conventional insurer has the assurance of receiving a premium each month but faces uncertainty regarding when and whether the insured will make a claim. Likewise, the insured may or may not incur losses or damages to prompt a claim.
In addition, when an insurance claim does occur, neither party knows in advance how much may be paid to the insured (or even whether the insurer will pay a cent). The insurer considers many variables when documenting an insurance claim, so predicting what the outcome may be for either party is impossible.
The bottom line: Islamic scholars agree that conventional insurance contracts are based on uncertainty, which means they aren’t sharia-compliant.
Going hand-in-hand with uncertainty is the fact that conventional insurance has characteristics of gambling. The conventional insurer receives huge amounts of money from the insured in the form of premium payments.
Will the insurer be able to hold onto that money? Or will some sort of disaster strike (tornado, wildfire, flood . . . pick a weather event) that results in the insurer paying out every dime of the premiums and then some?
When few claims are filed, the insurer wins (and the insured lose their premiums). When loads of claims are filed, the insured get some payback for their premiums (and the insurer may be in trouble).
Most Islamic scholars generally agree that conventional insurance products involve gambling and aren’t sharia-compliant.
Another reason that Islamic law prohibits conventional insurance products is that their transactions involve interest. Interest generally comes into play in two ways:
Insurance companies need to make sure they can pay their customers’ potential future claims, so they rarely let the premiums they collect sit in a cash account. Instead, they invest the premiums in interest-bearing fixed income instruments such as conventional bonds.
If the insured files a substantial claim, she may receive an amount from the insurer that totals more than the premiums she has paid. Most Islamic scholars consider any excess amount paid by a conventional insurer to be interest.
Keep in mind that someone who purchases a takaful product can also receive an amount that exceeds the total contributions she pays in. In that case, the excess amount is not considered interest.
The difference is not just semantics; the difference lies in the structure of a takaful fund and the transfer of risk (which is quite distinct from a conventional insurance product).
http://www.dummies.com/how-to/content/why-takaful-is-needed-in-islamic-finance.html
