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ISLAMIC TRAVEL INSURANCE – HOLIDAYS TAKAFUL

ISLAMIC TRAVEL INSURANCE - HOLIDAYS TAKAFUL

What is an Islamic Travel insurance ?

Islamic travel insurance, also known as Travel or holiday Takaful, is a Shariah-compliant protection scheme designed to cover risks faced by travelers, such as medical emergencies, trip cancellations, or loss of baggage; travel Takaful operates on the principle of mutual cooperation (ta’awun) and donation (tabarru’).

The coverage provided under Travel Takaful is similar in scope to conventional travel insurance, but delivered within Shariah rules; typical benefits include emergency medical expenses abroad, evacuation or repatriation, personal accident coverage, trip delays or cancellations, and loss of baggage or travel documents.

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Islamic travel insurance therefore provides peace of mind to Muslim and non-Muslim travelers seeking ethical coverage aligned with Islamic values. It combines modern travel protection needs with the principles of fairness, cooperation, and social responsibility.

Are there any risks that are excluded within a travel Takaful ?

Yes — like all insurance, Travel Takaful has exclusions. These are designed both to align with Shariah principles and to prevent excessive risk (gharar). While details vary by company, the following are the common risks excluded:

1. Non-Permissible (Haram) Activities

    • Claims arising from travel for purposes prohibited in Islam (e.g., gambling trips, alcohol-related activities).

    • Losses connected to unlawful acts, fraud, or intentional misconduct.

2. Pre-Existing and High-Risk Medical Conditions

    • Pre-existing illnesses or chronic conditions not disclosed at the time of joining.

    • Self-inflicted injuries, suicide attempts, or substance abuse.

3. Extreme or Hazardous Activities

    • Injuries from high-risk sports or adventure activities (unless specifically covered).

    • Travel to war zones, conflict areas, or places under travel bans.

4. Other Standard Exclusions

    • Losses due to negligence (e.g., unattended baggage).

    • Claims arising from illegal travel or invalid travel documents.

    • Consequences of war, terrorism, nuclear risks, or political unrest (in many policies).

Which Islamic insurance companies propose Travel Takaful (LIST OF INSURERS) ?

Here are well-known Islamic (takaful/participation) insurers that offer Travel Takaful (or Sharia-compliant travel cover), grouped by country—each with an official product page:

Malaysia

    • Etiqa General Takaful — TripCare 360 Takaful. Etiqa

Brunei

United Arab Emirates

    • SALAMA (Islamic Arab Insurance Co.) — Travel Takaful. SALAMA

Saudi Arabia

Qatar

    • Qatar Islamic Insurance Company (QIIC) — Travel Insurance. qiic.com.qa+1

    • Damaan Islamic Insurance “Beema” — Travel Insurance. beema.com.qa

Oman

Bahrain

    • GIG Bahrain Takaful (Takaful International) — Travel Insurance. gigtakaful.bh

Jordan

    • The Islamic Insurance Company (Jordan) — International Travel Insurance. islamicinsurance.jo

Pakistan

Sri Lanka

Maldives

    • Amana Takaful (Maldives) — Travel Insurance (online purchase). Takaful+1

Indonesia

Turkey (participation insurance / “katılım sigortası”, Sharia-compliant)

    • Neova Katılım Sigorta — Seyahat Sağlık (Travel Health). Sigorta Medya

South Africa

Kuwait

    • First Takaful — Travel Insurance (plan selector).