Utama - Tunai Zakat
- Takaful Zakat
Takaful Zakat
Takaful Zakat
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Nisab for Takaful Zakat
| Year | Month | Price (RM) |
|---|---|---|
|
2026 |
Julai – Disember |
38,748.00 |
|
2026 |
Januari – Jun |
42,047.00 |
|
2025 |
Julai – Disember |
35,449.00 |
|
2025 |
Januari – Jun |
29,961.00 |
| Year | Month | Price (RM) |
|---|---|---|
|
2025 |
Januari – Jun |
29,961.00 |
|
2024 |
July - December |
27,696.00 |
|
2024 |
Januari – Jun |
24,007.00 |
|
2023 |
Julai – Disember |
23,035.00 |
|
2023 |
Januari – Jun |
20,978.00 |
Takaful Zakat Calculation Calculator
Intention for Takaful Zakat
“Inilah wang sebanyak RM………..sebagai menunaikan Zakat Takaful yang wajib dibayar ke atas saya / pihak yang saya wakil untuk tahun…….. kerana Allah Ta’ala..”
Explanation
Takaful Zakat
Takaful products are a form of savings/investment that contain zakatable wealth elements and are subject to zakat obligation if they meet the required conditions.
Wang ini hanya boleh dikeluarkan sebahagiannya oleh pencarum apabila ia mencapai umur tertentu dalam tempoh perkhidmatannya atau mengambil keseluruhannya apabila ia telah mencapai umur pencen atau bersara. Selain daripada pengeluaran berdasarkan faktor umur, ianya juga boleh dikeluarkan setelah memenuhi syarat –syarat dibawah pelbagai Skim Pengeluaran KWSP.
Zakat Implications on Takaful Products
Zakat on Savings / Takaful Investment:
- Zakat on Savings / Takaful Investment:
- Family takaful policyholders are required to pay zakat annually on the withdrawable savings/investment value (cash value) only, not on the surrender value (the amount received if the policy is terminated).
- This is because the zakat ruling for savings/investments in takaful policies is the same as the zakat ruling for savings/money in financial institutions. This is due to the fact that the cash value can be withdrawn without waiting for the contract term to end with the takaful provider.
Assessment Method
[ Jumlah simpanan /pelaburan – nilai simpanan /pelaburan minimum perlu perlu ada dalam polisi ] = Cash value polisi takaful Formula Asas: Zakat = Cash value polisi takaful x 2.5% Kaedah Taksiran Zakat Gabungan Nisab Emas : Zakat = x 2.5%
Zakat on Matured Takaful Policies
Once a takaful certificate has matured, zakat on savings is obligatory for the policyholder who receives the full cash return, which includes the cash return from the Participant’s Risk Fund as well as investment profit from the Participant’s Investment Fund.
Zakat = Maturity value of the takaful policy x 2.5%. Combined Gold Nisab Assessment Method: Zakat = x 2.5%.
Takaful Compensation
Wajib Zakat Pendapatan ke atas waris simati. Ianya adalah selepas ditolak untuk penyelesaian hutang simati (hutang zakat/hutang sesama manusia dan lain – lain) dan upah haji sekiranya simati belum mengerjakan fardhu haji.
Cash Return from Tabarruk Fund
Income zakat is obligatory on takaful policyholders if they receive a cash return from the Tabarruk Fund; for example, an annual cash return if there are no annual claims (such as an NCD received due to no claims).
Permanent and Comprehensive Disability Benefit
Income zakat is obligatory on takaful policyholders who receive permanent and comprehensive disability benefits due to an accident or specific illness.
Compensation from Conventional Insurance Policies
Compensation from conventional insurance policies received by the heirs does not need to be subjected to zakat as it is considered non-shariah-compliant wealth.
Only the principal payment made by the buyer of the conventional insurance policy (during the buyer’s/policyholder’s lifetime) is subject to zakat.
However, if the heirs of the policyholder are among the poor, they may take a portion of the insurance policy compensation to cover their basic needs as poor individuals. If the amount taken exceeds the nisab threshold, income zakat becomes obligatory on the
heir.
If the conventional insurance policy compensation is derived from contributions made by the employer, the heirs may use the entire amount, and income zakat is obligatory on it.
* The 94th National Fatwa Committee Meeting for Islamic Religious Affairs Malaysia, held on April 20-22, 2011, discussed the Status of Conventional Insurance Policy Compensation After the Death of the Policyholder.
Frequently Asked Questions
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