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Asuransi Perjalanan Syariah
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Sharia Travel Insurance: A Complete Guide for Millennials

Artikel diperbarui pada 4 Maret 2023.

Sharia travel insurance is here for you as a form of protection from unwanted things during the trip. In addition to providing a sense of security and comfort, this insurance is also in accordance with Islamic guidance and sharia. 

Nowadays, more and more people are realizing the importance of using sharia-based travel insurance.

In addition to guaranteeing a safer and more comfortable trip, this safety guarantee product is also guided by Islamic teachings and has many benefits.

The benefits that you can get from using this insurance include safety guarantees, medical treatment costs, loss or damage to luggage and death benefits.

Not only that, the problem of inconvenience during travel, loss or damage to luggage and natural disasters can also be covered by using sharia-based travel insurance.

In order for you to understand more about sharia travel insurance and its benefits, see the complete guide compiled by the goodscoop.id writing team below.

What is Sharia Travel Insurance?

Apa Itu Asuransi Perjalanan Syariah - Infografis
Definition of sharia travel insurance – Infographic. | via goodscoop.id

Sharia travel insurance is an insurance product for travelers with the Islamic principle of ta’awun, which prioritizes the principle of mutual assistance.

Although it has the name sharia travel insurance, the trips covered by this insurance are not only trips related to worship.

Although most insurance companies in Indonesia only offer sharia travel insurance for Umrah or Hajj purposes.

Countries that Require Travelers to Have Travel Insurance

In some overseas trips such as Umrah, Hajj, or tours in foreign countries, you need to have travel insurance.

Some countries require travelers to have travel insurance as a condition for obtaining a tourist visa or visit visa in the country.

The following is a list of countries that require you to have both sharia and conventional foreign travel insurance:

  1. Republic of Cuba
  2. 26 countries that are members of the Schengen agreement such as Asutris, Belgium, Germany, Denmark, Finland, France, Italy, Spain, and others
  3. United Arab Emirates
  4. Antarctica
  5. Saudi Arabia
  6. Cambodia
  7. Singapore
  8. Bahamas
  9. Costa Rica
  10. and other countries.

Benefits of Sharia Travel Insurance

Manfaat Asuransi Perjalanan - Infografis
Benefits of Travel Insurance – Infographic. | via goodscoop.id

Although the purpose of your trip is to travel, there are several things you must prepare, including travel insurance.

The following are the benefits of sharia travel insurance for domestic and overseas travelers:

#1. Insurance makes it easier to travel to your destination

If you’ve traveled a lot by airplane and had to change planes in another country, of course you understand that not everything can go smoothly.

Sometimes, your plane lands late and you miss the second flight you paid for.

If you don’t have travel insurance, you can usually still join the next flight by paying a new ticket fee, either with or without a discount.

On the other hand, if you have travel insurance, the cost of the ticket due to the flight delay will be fully reimbursed.

#2. Remuneration for trip cancellation or delay

Your trip may be canceled or delayed due to weather, vehicles, or problems faced by the transportation service.

If you have travel insurance, you will be compensated for accommodation, food, and monetary compensation.

Without travel insurance, you usually only get an apology from the transportation provider.

#3. Travel insurance covers the risk of damaged or lost luggage

When traveling, of course you will bring luggage. The luggage you bring can be much more expensive than the airplane ticket.

Unfortunately, once your luggage is checked in, you can no longer monitor the safety of your luggage.

If you’re unlucky, your luggage could be damaged, lost, left behind, or even sent to the wrong destination.

With sharia travel insurance, you can file a loss claim that will be reimbursed by the sharia insurance company.

#4. Medical expenses

One of the most important benefits of sharia travel insurance is the protection of medical expenses if something goes wrong.

When you get sick abroad, hospital costs can be very high and mess up your budget during your trip.

Because of this risk, it is not uncommon for European countries to require travelers to have travel insurance that covers hospital costs if you get sick in their country.

The insurance company will cover the hospital costs if you have to be treated during your travel abroad. Of course, the amount covered will be according to the contents of the agreement in the policy book.

For those of you who want to travel abroad, make sure you have sharia travel insurance that covers hospital costs. This is because the cost of a hospital abroad can be as expensive as a new house in Indonesia!

#5. Life insurance benefits

One of the risks of traveling is dying on the road. Although not many people experience this, it still does not rule out the possibility that accidents can happen.

If you have sharia travel insurance, the insurance company will provide death benefits to the heirs.

How to Choose Sharia Travel Insurance

Cara Pilih Asuransi Perjalanan - Infografis
How to Choose Travel Insurance – Infographic. | via goodscoop.id

In Indonesia, you can already find various insurance companies that offer sharia travel insurance products.

In order for you to get sharia travel insurance that suits your needs, consider the following tips for choosing sharia travel insurance:

#1. Consider the destination country or city

Travel insurance has a choice of packages to suit your needs. The first thing you should filter is choosing sharia travel insurance that provides protection in your destination country.

For example, the insurance needs of those of you who want to travel to European countries are certainly different from those of you who want to travel to Middle Eastern countries.

Countries that are relatively safe usually have cheap and low premiums. Whereas high-conflict countries certainly have more expensive premiums, or even not covered at all.

If your destination country is quite popular such as Saudi Arabia, countries included in the Schengen agreement, and the United States, then you are lucky.

It is quite easy to find sharia travel insurance to these countries.

#2. Premium amount and benefits received

Basically, insurance companies are obliged to pay claims of all insurance participants as long as the claim is in accordance with the policy agreement.

The amount of compensation provided is certainly in accordance with the contents of the policy and is directly proportional to the amount of premium you have to pay.

Make sure you choose a package that suits your travel risk.

For example, if your trip has a high risk such as extreme sports, then of course you need sharia travel insurance that covers the cost of hospital treatment in case of injury.

On the other hand, if your trip is just sightseeing in the city and not doing high-risk activities, you can choose a package that prioritizes the safety of your belongings from loss.

#3. The duration of your trip

Everyone’s trip length is different, depending on their needs. Therefore, determine how long you will be away and consider the type of insurance you want to use.

If you need travel insurance for 30 days, you can choose an insurance company that covers trips for that long, such as Zurich Asuransi Travellin Syariah.

However, if you only need travel insurance for a few days, you can choose an insurance company that provides coverage for that duration, such as Allisyah New TravelPRO.

#4. The existence of an insurance company branch office in the destination country or city

If you want to travel for a long period of time, consider choosing an insurance company that has a branch office in your destination country or city.

This will make it easier for you to disburse claims without having to return to Indonesia first.

It should be noted that not all insurance companies within the same group can accept your insurance claim. Sometimes, they only help the claim processing faster because they are assisted internally.

#5. Find out how to claim sharia travel insurance

Before you buy a policy, make sure you know how to claim the travel insurance.

Consider choosing an insurance company that offers a 24-hour hotline and call center for claims.

If you buy sharia travel insurance through an agent, make sure the agent is willing to help you make a claim.

Or at least, the agent helps you connect with other insurance agents who are still active, if the agent you bought from is no longer working at the insurance company where you bought the policy.

5 Best Sharia Travel Insurance

Here are 5 travel insurance products with sharia concepts that can be chosen to accompany your travel or worship with your family.

#1. Travellin Syariah – Sharia Travel Insurance from ADIRA

 

Asuransi Perjalanan Adira Insurance
Adira Insurance Travel Insurance. | via goodscoop.id

Travellin Syariah is here to accompany your worship trip or halal tour more safely and comfortably.

Being under the auspices of Adira Insurance, Travellin Syariah provides benefits in the form of guarantees for accidents, injuries, illnesses, and inconveniences during the trip.

Traveling Syariah is available in three product packages that you can customize according to your needs, namely the gold package, silver package and platinum package.

Besides being carried out in accordance with Islamic law, Travelin Syariah Insurance also has advantages, among others:

  • Medical and corpse repatriation
  • IDR 600 million guarantee for death or permanent disability due to an accident
  • Provides hospitalization compensation due to accident or illness
  • Guaranteed loss of baggage
  • Guarantee of flight delay
  • Guaranteed late arrival of baggage
  • There is a zakat component in the insurance contribution

This insurance is also equipped with other advantages such as reimbursement of trip cancellation fees, reimbursement and cashless benefit payment systems, 24-hour call center.

#2. Jasindo Sharia Travel Insurance – Hajj and Umrah at ease

Asuransi Perjalanan Jasindo Syariah
Jasindo Syariah Travel Insurance. | via goodscoop.id

Furthermore, there is Jasindo Syariah insurance that can cover when the insured experiences losses during the trip.

The form of loss that can be covered by this insurance is in the form of accident problems, loss of travel documents, loss of luggage to delays in arrival or departure.

In addition, Jasindo Syariah Insurance has several benefits such as:

  • Provides compensation for death due to an accident
  • Covering the cost of treatment due to an accident
  • Demolition compensation for the house left behind
  • Fire compensation for the house left behind

#3. Sonwelis Takaful Shariah Travel Insurance – For Travel, Hajj & Umrah

Asuransi Perjalanan Syariah Sonwelis Takaful
Sonwelis Takaful Sharia Travel Insurance. | via goodscoop.id

The main purpose of this insurance is to provide protection to the insured while traveling abroad either for tourism, Umrah or Hajj.

In addition, this travel insurance product from Sonwelis Takaful has several benefits such as:

  • Premium for death or permanent disability
  • Treatment costs
  • Medical evacuation compensation
  • Repatriation of the body
  • Compensation for hospitalization in the hospital
  • Solving the problem of inconvenience during the trip

#4. Wakalahmu Travel Insurance – Worry-Free Travel

Asuransi Perjalanan Wakalahmu
Wakalahmu Travel Insurance. | via goodscoop.id

Furthermore, there is an insurance product from Wakalahmu that can be used as a protection friend during travel or worship.

Promoting the principle of mutual assistance, this insurance can also help you when experiencing unwanted things during the trip such as:

  • Accidents
  • Illness during the trip
  • Lost luggage
  • Lost documents
  • Missed flight
  • Flight delays

As the name implies, this insurance is guided by Islamic law and prioritizes the principle of ta’awun or helping each other.

In addition, this sharia travel insurance from Wakalahmu is also proven to be trustworthy because it is managed professionally while still prioritizing sharia principles.

At the end of the policy period, insurance participants are entitled to profit sharing with the calculation of excess tabaru funds provided that participants do not make claims during the policy period.

#5. Salaam Safar – Travel Insurance from Asuransi Bintang

Asuransi Salaam Safar dari Asuransi Bintang
Salaam Safar Insurance from Asuransi Bintang. | via goodscoop.id

Salaam Safar is one of Asuransi Bintang’s products specifically for your Umrah trip and your family.

The benefit of this travel insurance is as a guarantee against unwanted things such as accidents to inconvenience problems during the trip.

Not only that, Salaam Safar Insurance also has other benefits such as:

  • As a guarantee against accidents
  • Provides medical services
  • Provides compensation for death / disability due to accidents
  • Covering the cost of care and treatment when an accident occurs
  • Conduct medical evacuation from abroad
  • Covering follow-up care in Indonesia

In addition to some of the benefits above, Salaam Safar Insurance also has other benefits such as facilitating family visits, facilitating the repatriation of bodies to the repatriation of minors.

Always Feel Safe With Sharia Travel Insurance

In traveling both worship and traveling everyone must want to always feel safe and comfortable.

But as humans we have limitations to see what will happen in the future.

This ignorance sometimes makes some people and maybe also you feel anxious and worried.

However, this can now be minimized by the existence of safety protection in the form of sharia travel insurance.

Sharia Travel Insurance – Infographic

Asuransi Perjalanan Syariah Terbaik
Best Sharia Travel Insurance – Infographic. | via goodscoop.id

Sharia Travel Insurance – Q&A

What is the definition of sharia travel insurance?

Sharia travel insurance is insurance with a contract of mutual assistance to provide protection against all risks that may occur when you travel domestically or abroad.

What kind of insurance is travel insurance?

Sharia travel insurance is an insurance that provides protection to travelers. Some of the benefits you may receive include compensation for:

  • travel delays,
  • lost or damaged baggage,
  • illness in transit,
  • and other benefits according to the policy.

What are the benefits of sharia travel insurance?

Shariah travel insurance has the benefit of protecting travelers from unexpected things such as accidents or injuries.

In addition, sharia travel insurance also provides compensation for travel delays, provides accommodation and meals in the event of travel delays, and lost luggage.

There are still other benefits of sharia travel insurance that you can find.

How much does travel insurance to Europe cost?

The cost of travel insurance to Europe for Schngen visas varies from IDR 1.5 million per person with a maximum coverage of IDR 6 billion.

The amount of travel insurance costs to Europe is also determined based on the duration of the trip and the purpose of the trip.

Closing

With this insurance, you will receive a lot of compensation and compensation in accordance with the events you experience based on Islamic law.

So it can be concluded that sharia travel insurance is chosen not only from the benefits but also in harmony with the guidance and teachings of Islam.