Takaful Concept in Personal Accident Takaful

17 Jul 2014

The personal accident takaful ensures that you are protected 24 hours a day, and anywhere in the world, subject to the terms and conditions of the plan. You contribute a sum of money to a general takaful fund in the form of participative contribution (tabarru’). Participants of the fund agree to help each other when they are involved in an accident resulting in death, disablement or injuries.

The basic cover of a PA takaful includes death and disablement arising from accidents. PA takaful coverage varies between takaful operators. You are advised to participate in a plan that suits your need.


Generally, personal accident takaful will usually not cover accidents caused by the following events:

  • War risks
  • Suicide and insanity
  • Self-inflicted injury
  • Influenced by liquor, drugs or narcotics
  • AIDS/HIV or any other venereal diseases
  • Provoked murder or assault
  • Childbirth, pregnancy or miscarriage
  • Involvement in unlawful activities
  • Hazardous sports

It is also quite common for PA takaful to exclude people in these ‘high-risk’ professions, such as:

  • Police/military and law enforcement officers
  • Divers
  • Pilots or crew members
  • Aircraft testers
  • Racing drivers
  • Seamen or sea fishermen
  • Professional sports persons

Some takaful operators might extend coverage to cover some of the above exclusions if you pay additional contributions. It is best to check with your takaful operator to learn more about the exclusions in your takaful and how you can extend your coverage.

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