Travel PA

Takaful embodies the principles of Islamic finance, operating within the framework of Shariah law. While similar to insurance, it sets itself apart through its emphasis on cooperation, mutual assistance, and shared responsibility. By promoting unity and collective support among participants, Takaful offers a distinct way of managing risks in line with Islamic principles and Shariah law.

Insurance is not aligned with Islamic principles and Shariah law due to its involvement with elements like uncertainty (gharar), interest (riba), and gambling (judi), which are forbidden in Islam. Muslims are not allowed to participate in insurance schemes.

We are registered with Takaful Malaysia (Corporate Agent Code: GCA05115) and have the authority to promote Takaful Malaysia products. You can apply this Takaful plan through our agents.

The "Family" plan is designed to include you, your spouse, and up to five of your children who are travelling together.

This plan offers coverage for personal accidents, medical expenses, hospital allowances, emergency medical evacuation and repatriation, as well as travel benefits and more.

The cost will depend on the plan you choose, where you're going, and how long you need coverage.

Please give us a call anytime at +603-7628 3905. Our dedicated service provider will happily assist in arranging everything for you and your travel companions.

Single Trip Plan – per trip up to 31 days for Domestic and 190 days for Overseas Plan.
Annual Plan – unlimited number of trips throughout the year subject to a maximum period of 95 days for each trip and must be within the Period of Takaful.

Unfortunately, we are unable to provide coverage for any pre-existing conditions before the effective date of coverage.

Takaful, which is concept based on ethical and cooperative principles, has been opened to non-Muslims for several reasons:

1. Ethical Appeal:
   The ethical and cooperative principles of takaful, such as mutual assistance, shared responsibility, and transparency, resonate with individuals of various religious backgrounds who prioritize ethical values in their financial decisions.
   
2. Interest-Free Structure:
   Takaful operates on a no-interest (riba) basis, which can be attractive to who seek financial products that do not involve interest payments.
   
3. Shared Risk and Mutual Support:
   The concept of shared risk and mutual support is not exclusive to any particular religion. Who are value community and cooperation find takaful's approach appealing.
   
4. Transparent Contracts:
   Takaful contracts are designed to be transparent and straightforward, which can be appealing to individuals seeking clear and understandable insurance arrangements.
   
5. Avoidance of Unethical Investments:
   Takaful investments typically avoid industries and practices considered unethical, such as gambling and certain forms of speculation. Who are socially conscious about their investments may be attracted to takaful's ethical investment approach.
   
6. Cultural Sensitivity:
   Some takaful providers have tailored their products and messaging to be inclusive of diverse cultural and religious backgrounds, making takaful more welcoming to a broader audience.
   
7. Regulatory Compliance:
   Takaful products are often structured to comply with legal and regulatory requirements in various regions, ensuring that they are viable and regulated insurance options.
   
8. Choice and Diversity:
   Opening takaful to non-Muslims expands the choices available to individuals seeking insurance coverage. It reflects the principle that ethical and cooperative insurance practices can benefit everyone, regardless of religious beliefs.
   

In essence, takaful's underlying principles of fairness, cooperation, and ethical conduct have led to its appeal among non-Muslims who value these principles in their financial and insurance arrangements.