PENGUNDERAITAN DALAM PRODUK TAKAFUL KELUARGA DARI PERSPEKTIF SYARIAH

Abstract

In the insurance operations, underwriting procesess are important to determine the premium rate that would be applicable to individuals who wanted to be insured. These processes involves the assessment and examination of the individual in order to fix the rates and risk classes. Takaful operators have known to have a similar practices with the insurance companies in the underwriting processes. Thus, all the issues facing by the insurance companies which are related to the underwriting processes may also occurs in the takaful industry. For example, in the conventional insurance, including gender and family background in the underwriting issues are seen as unfair by the insurance experts. Rigid underwriting processes can also restricted the participations into takaful plans. Strict evaluation in