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YukTakaful is a digital insurance service portal (insurtech) which is based web and applications mobile by adhering to sharia principles to provide convenience to customers, starting from the policy purchase service to claim settlement.

YukTakaful is also a sharia insurance digital service portal (Islamic insurtech) the first in Indonesia.

YukTakaful services are focused on microinsurance products (micro insurance) based on the community or society, in order to improve inclusion and financial and insurance literacy in Indonesia, by carrying tagline "Sharia Insurance Solution for Everyone"

YukTakaful can be accessed via platform Web, Android, and iOS

The benefits that you will get besides making it easier to purchase insurance, You are also helped when an incident occurs and want to file a claim because it is enough to use one YukTakaful application

YukTakaful has 4 superior product namely:

(i) Personal Accident Protection,

(ii) Travel Protection

(iii) Micro Financing Protection

(iv) Motorcycle Financing Protection

Opportunities for cooperation are always open. Please contact us via email ke info@yuktakaful.cif

For Individual Customers

• You just have to mendownload YukTakaful application at Google Play Store and use keywords YukTakaful, then click the button “Install”
• Or can access website www.yuktakaful.com with a click Button Individual

For Community Customers (Institution)

• You can access website www.yuktakaful.com with a click Button Community

YukTakaful does not issue insurance policies, the issuer of the policy is an insurance company that has collaborated with a broker or insurance broker YukTakaful partners. In other words, the insurance policy that you will receive is the policy issued by the insurance company that you choose through the YukTakaful portal.

The policy will be sent directly to the personal email you registered when filling in your personal data before making a premium payment. You can also see the policies that have been purchased at dashboard YukTakaful application.

The record of the payment you made can be seen in the menu dashboard customer. Besides that you will also receive email confirmation that contains information whether the payment is successful or failed that is sent after the order is confirmed.

YukTakaful will remind you in the shortest time 1 calendar months before your policy is due or expires so you can prepare to extend your policy.

Sharia insurance is an effort to protect and help each other between a number of people / parties through investment in the form of assets and / or tabarru ’ which provides a pattern of return to face certain risks through a contract (alliance) which is in accordance with sharia. (Source of the fatwa from the DSN MUI NO: 21/DSN-MUI / X / 2001)

The basic difference between Islamic insurance and conventional insurance is in the concept of the transaction. Conventional insurance is based on a concept Risk Transfer or commonly called risk trading, while the Islamic insurance is based on the concept Risk Sharing or so-called helping each other to deal with the risks that will be faced by the participants later

There is no limit for non-Muslims to become participants in sharia insurance. In fact, not a few non-Muslim customers have joined in closing Islamic insurance.

A contract is an alliance that does not contain Gharar ‘fraud’, Maysir 'gambling', Riba 'flowers', Zulmu ‘penganiayaan’, Riswah 'bribe', Illegal Goods, Immorality.

Islamic insurance using a contract – contract in accordance with sharia principles:.

• In the contract tabarru ’ (grant), participants provide grants that will be used to help other participants affected by the disaster. Meanwhile, the company acts as the manager of the grant funds.
• In the contract wakalah bil ujroh, the participant authorizes the insurance company to manage their tabarru funds so that the company gets the funds ujroh/fees from participants
• In the profit sharing contract (mudaraba), the company acts as mudharib (manager) and participants act as shahibul mal (police officer).

Things that must be considered at the beginning of the closing of Islamic insurance :

1. Goods or services being transacted are goods or services that are lawful, whose characteristics are known by the parties involved
2. Halal is not sufficient only for the goods or services above, it also includes its use
3. Improper use or for improper purposes, even though the said object or service was originally halal, then it can fall into haram

Some of the main principles of sharia principles in insurance activities are as follows:

• There is an agreement please help (ta’awun) and bear each other (takaful) among the participants
• There is a participant's premium contribution to the fund Tabarru ’
• Company (insurance) act as fund manager Tabarru ’
• It meets the principle of justice ('Adl), can be trusted (trust), balance (tawazun), benefits (maslahah), and universality (syumul).
• Does not contain things that are forbidden, like uncertainty / obscurity (gharar), gambling (maysir), flower (fish ’), persecution (zhulm), bribe (risywah), immorality and haram objects

Risk management in Islamic insurance is to use a concept Risk Sharing or please help each other in sharing the risks that will occur among participants by raising funds tabarru.

Allocation surplus given to the policyholder/participant when the managed tabarru fund suffers surplus after one accounting period.

Policyholders / Participants can only receive allocations surplus as provided :

1. Dana tabarru/funds help those managed by sharia insurance experience surplus (profit)
2. Participants did not cancel the police agreement
3. Participant's policy has expired
4. Contribution has been paid in full
5. The policy has no claims

The things that determine the amount surplus for participants is :

• Policy period / term
• The amount of fund underwriting surplus tabarru which is managed by sharia insurance and the allocation to be distributed is the right of the participants
• The amount of premium paid
• Premium payment date and day

• Payment realization surplus At the end of the closing period, the insurance will be carried out if the accumulated value of funds is above Rp. 25.000,- (twenty five thousand rupiahs)
• When the fund surplus the value is below Rp. 25.000 (twenty five thousand rupiahs), then the realization of the payment will be postponed until the insurance closing period in the following years.
• When the fund surplus at the end of the insurance closing period, the accumulated value is below Rp. 25,000,- (twenty five thousand rupiahs), and no extension of the insurance closure was made, then the participants gave up the incentive funds to be donated into "Welfare Fund ”/ Qard as a social fund.
• Realized surplus payments will be transferred directly to the participant's bank account or donated to social institutions as benevolence funds

Grace period or grace period is the period after the expiration of the insurance premium payment due date. In this time, premium payments can still be fulfilled without being subject to fines. Throughout the free time, police are still in force or active (inforce).