GILAMOTOR.com – “Walaupun bulan suci Ramadhan tahun 2013 telah berlalu, namun tentu tidak ada salahnya jika kita tetap menanamkan prinsip-prinsip syariah, salah satunya melalui pemilihan produk-produk yang berbasis syariahâ€, begitu kata Bimo Kustoro, Sharia Division Head Adira Insurance.
Kalimat tersebut disambungkan dengan manfaat produk-produk berbasis syariah yang memang memberikan manfaat lebih melalui prinsip bagi hasil yang dimiliknya. Begitu pula dengan asuransi umum syariah.
Kalau di Adira Insurance, melalui keterangan resminya menjelaskan, menerapkan akad wakalah bil ujroh dimana dari total premi yang dihimpun akan dibagi ke dalam dana ujroh (untuk operasional perusahaan) dan dana tabarru (untuk pengelolaan resiko atau klaim asuransi). Proporsi pembagian ujroh dan tabarru bervariasi terutama bergantung pada jenis produk asuransinya. Hal ini lah yang menjadi salah satu pembeda cara pengelolaan dana dengan perusahaan asuransi syariah lainnya yang umumnya membagi dana tabarru dan ujroh dalam proporsi yang sama terhadap seluruh produknya.
Pembedaan proporsi ujroh dan tabarru di setiap jenis produk dapat memberikan kecukupan dan keamanan saldo dana tabarru sehingga berada pada posisi cukup atau surplus. Kondisi surplus tabarru ini yang menjadi penentu ada atau tidaknya bagi hasil yang diberikan ke pelanggan di akhir masa periode asuransi, di samping pengelolaan investasi atas dana tabarru. “Selain aspek kesyariahan yang menjadi pembeda dengan produk asuransi lainnya, bagi hasil di akhir periode apabila nasabah tidak klaim juga menjadikan produk asuransi syariah menjadi lebih menarik,†ujar Bimo.
Adira Insurance menyediakan beragam manfaat asuransi syariah yang di antaranya dapat diperoleh melalui produk Autocillin Ikhlas, Asuransi Personal Accident dalam Infaq Card (I-Card), Asuransi Personal Accident dan Pemutusan Hubungan Kerja, Asuransi Amanah Micro, serta berbagai produk lainnya yang sedang dalam taraf pengembangan.
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