We combine Shariah principles with world-class protection to give you and your family peace of mind.
Managed based on the principles of Tabarru' (mutual donation) and Wakalah, ensuring ethical fund management free from Riba and Gharar.
Focus on recovery, not paperwork. Enjoy seamless, cashless admission at our extensive network of panel hospitals nationwide.
The first-in-market program that rewards your healthy choices. Earn points for exercising and get weekly rewards or premium discounts.
Understanding the fundamental differences in how your protection works.
| Feature | Takaful (AIA Public Takaful) | Conventional Insurance |
|---|---|---|
| Concept | Mutual assistance and cooperation (Ta'awun). | Risk transfer from individual to company. |
| Legality | Shariah-compliant (No Riba, Gharar, or Maysir). | Governed by Civil Law. |
| Surplus | Surplus is shared among participants. | Profits belong solely to shareholders. |
| Investment | Strictly Shariah-approved funds. | Any legal investment instruments. |