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Hajj Insurance
Hajj is one of the pillars (obligations) of Islam. However, there is a condition of financial and physical ability for this.
Irrespective of the rich and the poor, all Muslims aspire to perform Tawaf of the Holy House of Allah “Kaaba Sharif” and
visit the holy ‘Rawaza Mubarak’ of the beloved Prophet Muhammad (PBUH). But in the socio-economic context of our
country, most of the people are deprived of this sacred aspiration. Keeping this large number of deprived believing.
Muslims in mind, National Life launched the Islamic Takaful “Hajj Bima” plan. It is a means of savings that plays an
effective role in providing funds for performing the holy Hajj or Umrah.
Key Features
- Types of plan: Hajj Insurance Policy
- Policyholder entry age: 18 – 55 years
- Minimum Sum Assured: Tk. 1,00,000
- Maximum Sum Assured: Based on socio-economic condition
- Maximum maturity age: 70 years
- Policy Terms: 10, 15 & 20 years
Eligibility & Parameters
- Mode of payment: Yearly, Half-Yearly, Quarterly, Monthly
- Income tax: Premium rate chart (per thousand) given in the brochure
- Tabarru fund: 2.5% of the paid amount will be added in the P.S.A (Tabarruh) fund
- Premium Calculation: Premium rate chart (per thousand) given in the brochure
- Supplementary Coverage: Not Applicable
Policy Benefits
| On Survival | On survival of the policyholder till the end of the term, the deposited amount in the Amanat Fund will be paid with accrued bonus at maturity. |
| On Death Benefits |
On death while the policy is inforce before the expiry of the term, the amount of money in the Amanat Fund with selected profit according to the basis of profit and loss will be paid to the nominee. The future installment of the rest of the term which he/she would have deposited will be refunded from the Tabarruh Fund. |
| Surrender | The insured can avail Surrender / Encashment value after completion of 2 (two) years. |