Privileged Fulnadi Takaful Insurance Education

Takaful scheme (individual) which aims to provide education funds for children of participants to graduate level education with a wide range of protection benefits

Privileged Fulnadi Takaful Insurance Education

There 1.Tidak Scorched funds (premium paid can not be retrieved) because it stopped before the agreement ends
2.Biaya accepted to university Higher education
3.Premi fairly paid up to school age children (18 years), after the child graduates from high school is no longer an obligation Paying Premiums, while education funding is still given

Participants 4.Apabila Died heirs get the

100% compensation benefits beginning takaful (X premiums during the agreement)
All funds are savings + profit sharing
stages of education money is still accepted as the beginning of the agreement

Education Takaful Insurance Benefits

If the Participant longevity until the end of the agreement, the Son as Grant Recipients receive:

Stages * time of admission (kindergarten, elementary, junior high school, PT) ** and Scholarship for 4 years at university.

If the participants withdrew before the agreement ends, participants receive:

Cash Value
All funds in the Savings Account participants who came from the savings balance and the profit on the investment (mudaraba).

If the Child as Beneficiary dies before all phases of grant received by participants / Heirs get:

• Cash Value
• Benefit of 10% Early Benefit Takaful (Annual Premium X Period of Agreement)

If the unfortunate Participants in the agreement

Free Insurance Policy premiums, and Heirs get:
• Benefit of 50% Early Takaful Benefits (if it died because of illness or total permanent disability due to accident) or 100% First Takaful Benefit (if the accidental death).
• Cash Value
Children as Grant Recipients receive:
• Stage at entry (kindergarten, elementary, junior high school, PT) **
• Scholarship every year since the unfortunate participant s / d 4 years in Higher Education

If after the contract ends and is still in scholarships at the College Participants unfortunate

• Deaths due to illness or total permanent disability due to accident, his heirs will receive the Cash Value
• Deaths due to accident, his heirs will receive the Cash Value and the allowance of 50% Early Takaful Benefits
• Grant Recipients will still receive the scholarship until the relevant four-year universities

Conditions of Participation
Age Sign for Participants are: 20 s.d 55 years
Period of Agreement (contract) depending on the age of the Child (Via Grant recipient) at the time of entry. Age Child (0 to 13 years); for less than 6 months of age are considered age 0 years.
MP = 18 - Age of children at time of entry

Min. Premium / month Rp 100.000 perkwitansi

Note:
* If the maturity stage is not taken, will be invested and will add to the Scholarship at the College
** As per the agreement
*** More Value For Insurance Education Fulnadi Sharia

Welcome to the Blog Life Insurance and Health.

Welcome to the Blog Life Insurance and Health. Although the title of this blog there were only words of life and health insurance, does not mean we will not discuss other types of insurance like home insurance, land, safety and others.

At this opportunity we just say hello and introduce myself, because we are the newest blogs, most complete and up to date which is scheduled to discuss about INSURANCE, especially in Indonesia.

Tips and tricks in buying some, choosing to claim insurance and etc. We will try terbahas on this blog. Thank you for your visit, please maap for any shortcomings.

Regards,

Team Blog Life and Health Insurance

Should Life Insurance Contract?

Should Life Insurance Contract? The real question not be answered for those who want to choose or buy life insurance from an insurance company that you choose. Course will automatically be approved in the life insurance contract. If there is no contract, then either party or both parties will be equally arbitrarily, both loss and no clear direction and purpose of life insurance is.

His name is a contract, of course LIFE INSURANCE CONTRACTS aims bind and regulate the course of a life insurance program in accordance with the agreement in black and white. With the life insurance contract, each party will be bound to a rule with the rights and obligations that have been determined and mutually agreed.

In other words, the presence of the Life Insurance Contract law is MANDATORY. Life insurance contract has a role and significance for the participants of insurance or the insurance company concerned. Do not until you buy life insurance from an insurance company that is not trusted because it does not provide life insurance contracts. So that your investment will go well and smoothly, in accordance with the rules of insurance contract law rules applicable in Indonesia.

Hopefully this short article about life insurance contract is beneficial to you, and add your insights about life insurance. natikan subsequent postings of Life and Health Insurance Blog.

What is life insurance?

What is life insurance? Before we explore much about understanding what life insurance was first let's look at Article 302 KUHDagang as basic life insurance, which states that:

"If someone can be for purposes of a person with an interest, insured, both for his life the soul, good for a time specified in the agreement."

Understanding life insurance under Section 302 KUHDagang as contained in the foregoing more stress to a time specified in life insurance. As for the time during his lifetime is not specified in the agreement, this means that the law does not expressly give the possibility to hold a life insurance during the life of the interested parties.

Apart from the definition / understanding formal contained in the legislation, there is also the opinion of legal experts also give the definition of life insurance in question. According to Djoko Carey and I Ketut Murtika cited daripendapat Molenggraf argues that, "Life insurance in the broadest sense includes all agreements regarding the payment of capital or the possibility of life or death, and rather than pay the premium or both by way of hanging on his life or death one or more. "

Then according Wirjono Prodjodikoro, in Article 1a of Chapter I Staatsblad 1941-101, understanding life insurance as follows: "life insurance agreement is an agreement about payment of money in favor of the premium and associated with life or death of a person as well as re-insurance agreement / money understanding / note that the agreement shall not include accident insurance agreement. "

Meanwhile, according to the HMN Purwosutjipto, "Life insurance coverage can be interpreted as the soul is a reciprocal agreement between the cover (decision) of insurance with the insurer with which the insurance cover bind themselves during the course of the coverage to pay premiums to the insurer, while insurer as a direct result of the death of the soul insured or the elapse of a period of time has been agreed upon bind themselves to pay a certain amount of money to the audience. "

Then according to Volmar, mention it with the term life coverage sommen verzekering, argues that: "Broadly sommen verzekering can be construed as an agreement where one party to bind himself to pay a sum of money at once or periodically, while the parties commit themselves to pay the premiums and payments it is life or death depends on the particular person or more. "

That's some sense of life insurance under the legislation in force in Indonesia coupled with the definition of life insurance, according to some experts and specialists. Hopefully you can add insight about life insurance.

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