The Best Hajj and Umrah Hajj Insurance

You rarely hear or understand that Hajj and Umrah insurance is real. Because in Hajj or Umrah there are risks, right?

 

Facts show that there are many deaths of pilgrims during the puja. From travel to worship, of course there are risks. Due to external conditions that do not help or the immune system is no longer optimal.

 

For information: The government (in this case the Ministry of Finance) and many insurance companies provide Hajj or Umrah insurance.

Understanding Hajj Insurance

Hajj insurance is a type of insurance designed to provide financial protection for pilgrims who are at risk of being absent from the pilgrimage.

 

As a general rule, the cost of Hajj insurance covers a portion of the cost of the Hajj trip set by the Ministry of Religion. Fatwa of the Indonesian Ulema Council (MUI) No. about Hajj Insurance. Availability of travel insurance in accordance with 39/DSN-MUI/X/202 The aim is to make pilgrims more serious when performing puja.

 

 

Profit Hajj and Umrah insurance

 

Generally, Hajj or Umrah travel insurance covers the following risks:

 

1. Died

The Ministry of Credit (CAMING) provides life insurance services to pilgrims. The security deposit can be transferred to the group heirs. According to the Kemenag.go.id website, the guaranteed amount includes:

 

If a congregation dies in the Holy Land, there is a security deposit of IDR 18.5 million. In the case of accidental death, the insurance amount is $37 million. Meanwhile, if he dies while traveling on a plane or at the airport, he will be insured for $125 million.

 

Many other insurance companies such as Takaful Keluarga offer insurance at almost the same price. In addition, Allianz is also willing to pay a security deposit that is double the cost of the pilgrimage. Up to 50 million dollars!

 

2. Accident

Insurance covers not only death, but also the risk of some accidents causing disability. This is the role of Hajj insurance coverage when the company can provide a guarantee of Hajj funds in the event of an accident.

 

For example, Allianz offers legal insurance coverage if the insured suffers permanent total disability. The coverage value for Allianz insurance products is usually a percentage of the total premium or the total cost of Hajj.

 

3. Evacuation and Medical Treatment during Worship

If the disease occurs at the time of the pilgrim's death, then he is given compensation including treatment during the puja. However, it is precisely for this protection that the claims system can be reversed.

 

Hajj participants must pay the cost of treatment and hospital treatment in advance. After that, management documents are sent to the insurance company.

 

4. Damage to Equipment and/or Personal Items

Some Islamic insurance companies also cover the loss of personal belongings and belongings. The Ministry of Religion itself provides protection if documents are lost during Hajj or Umrah. It's 2018 no. 8 is regulated in the decision of the Minister of Religion.

 

5. Delays and Cancellations Other travel insurance, some Hajj or Umrah insurance products also offer compensation or protection against flight delays and cancellations. So there's no need to worry if there are obstacles, okay?

 

How to Register for Hajj Insurance

As a rule, getting insurance for Hajj or Umrah is very easy. In fact, when pilgrims open their Hajj savings at the Ministry of Loans, they automatically get insurance protection from the Ministry of Private Loans.

 

If you feel that this is not yet available, you can sign up for creative travel insurance offered by mandatory insurance companies. Quick note: Make sure the company offers travel or Hajj/Umrah insurance. Sharia yes. Next, make sure the sharia insurance company is registered with the Sharia Supervisory Board (SBC).

 

Very Easy Claim Process

What is the process of paying for Hajj or Umrah insurance? Very simple, really! In general (there are of course many documents that differ from company to company) others), here are some claim documents that must be prepared:

• Dormitory Incoming Call Letter (SPMA)
• A letter from a doctor if you have permanent total disability
• Death Certificate if the congregation dies
• Photocopy of Identity Card (KTP)
• Insurance claim submission form
• Passbook cover copy
• Cover letter from the Ministry of Religion office where the congregation is registered

 

Now, families no longer need to worry about how to deal with this department, especially regarding life insurance claims from the debt department. Because the Ministry of Religion takes care of itself. The security deposit will be paid within five working days.

 

But make sure the registered account is still active. Because in some it seems the account is inactive. Finally, it is difficult to transfer funds securely.

 

This information will definitely make us feel more comfortable when going on a special trip, haha. Salute to the Ministry of Religion for the great interest in the happiness of Hajj and Umrah. Likewise from the side we can add other benefits by signing up for Hajj insurance if we want.

 

In addition to Hajj travel insurance, you must also protect yourself and your family with the best health insurance. With health insurance, you can get the best hospital care without spending a lot of money.

 

Complete Your Financial Plan with the Best Health Insurance

Everyone must achieve the material goal referred to in this article, namely Hajj. In an effort to achieve this, people make financial plans to fulfill their desires.

 

and for this They can focus on achieving financial goals and obtaining insurance that can cover unexpected expenses. Health insurance is one of the most important and useful types of insurance to cover the cost of hospitalization.

 

Health insurance provides benefits in the form of outpatient and inpatient costs in hospitals or other health care facilities (FASC). That way, you don't have to run out of money if you have to seek treatment.

 

Hajj Insurance

Hajj insurance is a form of financial protection for pilgrims who are at risk of not being able to perform the pilgrimage. As a general rule, the cost of Hajj insurance covers a portion of the cost of the Hajj trip set by the Ministry of Religion.

 

Life Insurance Benefits

Life insurance provides benefits in the form of protection. Thus, the heirs can continue their lives more comfortably after the death of the insured.

 

In addition, life insurance provides retirement savings to cover chronic illnesses.