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  Currently, what is the Number One Killer in Malaysia? Is it the heart attack, cancer or the accident? Accordingly to the surveys, the incidents of heart attack, cancer, stroke, etc. have been on the rise every year in which the suffers are mainly consists of the younger age group. The main causes of the above trends may due to the dietary habits, pollution, lack of exercise and others. However, do you agree that with the advancement of the medical science, most of the diseases can be treated if there are no financial constraints? If it is so, what do you think for the minimum amount required if treatment is done in a private hospital for these kinds of diseases? RM30,000-RM50,000 or more than RM50,000? Based on the finding from the research, 85% of the population do not have a ready cash of RM50,000, 14% of the population can raise RM50,000 with some difficulty, and only 1% of the population have a ready cash of RM50,000.00. Thereinafter, if a person suffer from one of the diseases and needed RM50,000 for the treatment, he or she will be facing a serious financial problem. There will be few ways for us to solve our financial problems such as selling off the properties, personal savings, relatives or friends as well as asking the help from charity. However, if there is an "Independent Health Care Program" where you can receive the Cash Needed upon diagnosis of any of the dread diseases without depending on any of the above methods, would you be interested?




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  In common law, insurance practice obtained substantial recognition as recent years witnessed rapid development in this area. Such developments might as a result of rapid growth in the legal system in the field of trade and commerce. In Islamic law, the idea of insurance originated from the agreement between two people of the ancient Arab tribes before 570 AC.

A scheme based on brotherhood, solidarity and mutual assistance which provides for mutual financial aids and assistance to the participants in case of need whereby the participants mutually agree to contribute for that purpose.

-Section 2 of the Malaysian Takaful Act 1984


“…Do not enter through one gate but enter through different gates…”(Yusuf:67)
“…they should bequeath unto their wives a provision for one year…”(Al-Baqarah:240)




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