Unlike other insurance services, Hajj insurance is carried out by following Islamic law. This is important to ensure that the insurance does not violate existing rules.
The use of Hajj insurance is very important, and in particular it has been emphasized through the fatwa of the Indonesian Ulema Council (MUI) No.39 / DSN-MUI / X / 2002 concerning Hajj Insurance.
In the fatwa it was emphasized that the protection of safety for various risks of accidents or deaths that might occur is very important. For this protection is very necessary because of the high risk and length of the pilgrimage.
In general, Hajj insurance will be given in 2 different forms, namely Life Insurance and Travel Insurance.
Regarding the provision of Hajj insurance, this service is required to follow Islamic law, where the provisions are almost the same as those contained in Sharia insurance in general.
Important Things to Understand from Hajj Insurance
As with other types of insurance, Hajj insurance also certainly has a number of special provisions that have been arranged in such a way by the implementation of insurance. It is important to know and understand everything from the beginning, so that there are no problems and also misunderstandings later.
- Terms of Submission for Hajj Insurance
The main requirement for being able to have Hajj insurance is Hajj Savings. This hajj savings can be opened to some of the largest banks in Indonesia that have collaborated with the Indonesian Ministry of Religion to handle the spread of Hajj.
Don’t forget to bring along the documents needed for this purpose, including:
- Minimum age 12 years when registering
- ID Card or other valid proof of identity
- (Family Card)
- Birth Certificate / birth certificate / marriage certificate / diploma
- Savings on behalf of the congregation concerned
Pas for 10 pieces of color size 3×4, with a white background and with the following provisions: the color of the shirt / veil must be in contrast with the background, the female congregation must wear Muslim clothing, not wear work clothes, not wear glasses, at least 80% face
The governor can provide additional requirements, in the form of a domicile certificate.
- Benefits of Hajj Insurance
There are many risks that will be borne by the Hajj insurance. This protection will be given since the prospective Hajj pilgrims depart from their homes, during the trip, to return to their homes. Then, what are the benefits offered?
- Insured dies
- Benefits of accident cover
- Permanent and total coverage
- Medical hospitalization
- Medical emergency evacuation
- Coverage of loss of baggage or personal property
- Benefits of delay or cancellation of travel
- What is the Hajj Insurance Premium?
The amount of insurance premiums charged by the Hajj insurance company will vary, depending on the policy of the company concerned. Especially for insurance companies that have cooperated with the Hajj savings bank, this service is usually included in the cost of the pilgrimage itself, so that prospective pilgrims do not need to pay it separately.
However, it is very important to ensure it from the start, considering that this insurance is needed during the pilgrimage later.
- Validity and Submission of Hajj Insurance Claims
Hajj insurance will take effect from the time the prospective pilgrims depart from their home to embarkation on the hajj boarding house for the blessing of the pilgrimage or after the Board of Man’s Entrance Certificate (SPMA), until the person returns to his home after performing the Hajj in the Holy Land.
Regarding the submission of insurance claims, this must be done no later than 60 calendar days or 30 days after the last group of pilgrims return to Indonesia. Outside the submission limit, the claim will be settled by a confirmation process from the Central Ministry of Religion.
- How is the Hajj Insurance Claim Process?
To submit a hajj insurance claim, it can be done by the person concerned and also the documents needed for this, so that all processes can run smoothly and smoothly.
Here are some files that you must prepare at the time of submitting the Hajj insurance claim, namely:
- Death certificate (if the participant dies)
- Certificate from the doctor (if the participant has a disability / hospitalization)
- Travel certificate (if the participant experiences flight problems or loses luggage on the trip)
- Copy of identity card
- Insurance claim submission form
- Copy of passbook
- Boarding Entrance Letter
- Cover letter from the Office of the Ministry of Religion where the Congregation is registered
If all files have been completed, then the process of filing a claim can be done at the head office of the Hajj insurance company. For pilgrims who die, compensation will be given to the heirs in accordance with the provisions at the time of registration.
While compensation for pilgrims who are at risk in this case does not die, it will be given directly to the person concerned.
Take advantage of Hajj and worship services with a calm heart
When carrying out the pilgrimage, a number of risks can also occur at any time. Manage these various risks by utilizing the Hajj insurance service, so that the trip becomes more comfortable and calm. There are many benefits of Hajj insurance, not only for pilgrims themselves, but also for later heirs. With insurance, the pilgrimage will be more comfortable and safe.