Asuransi Syariah is an attempt to help each other (Ta'awuni) and protect (Takaful) among the participants through the establishment of a collection of funds (Tabarru ') which is managed according to Islamic principles to deal with certain risks.

A. Basic Concept

  • Sharia Insurance apply the concept of risk sharing among participants NOT a risk transfer concept
  • Premium became collective ownership by policyholders
  • Pool of Fund Premiums are used to run the risk
  • The role of insurance is the underwriter, collector and fund managers
  • Income insurance company is the management fee
  • General principles of insurance also applied here.

B. Akad

  • Akad Tabarru is an agreement in the form of grants Tabarru Fund 'for the purpose of helping among participants.
  • Akad Wakalah bil Ujrah is an Akad Tijarah that authorizes the insurer as representatives of participants to manage Tabarru Fund' in return for a Ujrah (Fee).
  • Akad Mudharabah is an Akad Tijarah that authorizes insurers to manage investment Tabarru Fund' in return for the results (Nisbah).

C. Our Product

> Special Product

1. Bintang Medical Sharia
Is one of our special products, where the product is devoted to the collection of health insurance for your employees.
Read more
2. Salaam Safar
Is one of our special products, where the product is devoted to Travel Umrah Insurance for Umrah group
Read more

> Personal and Business Product

D. Sharia Supervisory Board

H. Karnaen A. Perwataatmadja
as a chairman
KH. Ahmad Munif Suratmaputra
as a member
Amin Musa
as a member
  • Call Center:
    1500481 (24 jam)
  • SMS Center:
    (+62) 838 888 4581
  • Email:
    cs@asuransibintang.com

Head Offices :
Jl. RS Fatmawati No.32, Jakarta 12430
Telp: (021) 7590 2777 (hunting)
Fax: (021) 7656 287, (021) 7590 2555