Protection for the animals your livelihood depends on
Community Takaful offers simple, affordable protection for everyday life. It is designed for individuals and families, for people who work for themselves, such as market traders, drivers and labourers, and for community groups such as savings groups and cooperatives. Drawing on personal accident cover, it gives a measure of support if an accident causes death or serious injury, within the benefits stated in your schedule.
It rests on Ta'awun, or mutual help: members give contributions as Tabarru' to a shared fund, and the fund supports members who suffer a covered loss. Kalkaal manages the fund as Takaful operator for a disclosed Wakala fee.
To get started, send an enquiry. A Kalkaal advisor explains the cover, exclusions and contribution before you decide.
Why this cover
- Plain terms that a Kalkaal advisor explains before you decide
- Cover for one person, a family or the members of a group
- Designed for people on everyday incomes, including those who work for themselves
- Built on Ta'awun: members support one another through a shared fund
Your contribution What you pay for your cover. Part of it is Tabarru’ to the shared fund.Glossary goes into a shared fund that pays eligible claims; Kalkaal manages the fund for a disclosed Wakala Agency: participants appoint Kalkaal to manage the fund for an agreed fee, disclosed in your quotation and schedule.Glossary fee.
Cover options
Individual and Family Community Takaful
Simple accident cover for you and the family members you name in your schedule.
Community Takaful for Informal Workers
For people who work for themselves, such as market traders, drivers and labourers, who do not have cover through an employer.
Community Group Takaful
For savings groups, cooperatives and associations that want to cover their members together under one arrangement.
What’s covered
- Death caused by an accident, with the benefit stated in your schedule
- Permanent disability caused by an accident, as set out in your schedule
- Other accident-related benefits, where your schedule includes them
- Accidents at home, at work or while travelling, unless your schedule says otherwise
- The family members named in your schedule
- Members of a savings group, cooperative or association, under one group arrangement
Not covered and conditions
- Illness or disease that is not caused by an accident
- Self-inflicted injury
- Injury while under the influence of alcohol or drugs
- Injury while taking part in a crime, riot or fight, other than in self-defence
- Accidents that happen before cover starts in your schedule
- Full exclusions, waiting periods and deductibles are set out in your quotation and policy wording.
ClaimsHow claims work
How to claim
- Get medical help first.
- Tell Kalkaal, or your group's contact person, as soon as you can and within the period stated in your schedule.
- Keep medical reports, hospital papers and receipts.
- If the accident was reported to the police, ask for a copy of the report.
- For a death claim, the person named to receive the benefit should contact Kalkaal.
Documents you will usually need
- Completed claim form
- Identity documents of the covered person and of the person claiming
- Medical report from the treating doctor or hospital
- Police report, where the accident was reported to the police
- Death certificate, for a death claim
- Confirmation from the group's contact person, for group cover
What you’ll need for a quote
- Name, date of birth and identity document of each person to be covered
- Your occupation, or the kind of work you do
- Names of the family members you want to include
- For groups: the group's name, a member list and a contact person
- Contact details for you, or for the group's contact person
- The name of the person to receive any benefit if a covered person dies
FAQs
Can our savings group or cooperative join together?
Yes. Community Group Takaful lets a savings group, cooperative or association cover its members together under one arrangement. The group shares a member list and names a contact person, and each member's cover is shown in the schedule. A Kalkaal advisor explains the cover, exclusions and contribution before the members decide.
I work for myself. Can I still be covered?
Yes. Community Takaful is designed for people who work for themselves, such as market traders, drivers and labourers, as well as for people in employment. You do not need an employer to arrange it. Tell a Kalkaal advisor what kind of work you do, because some occupations carry more risk and this may affect the terms.
How is Community Takaful different from Personal Accident Takaful?
Both are based on accident cover. Community Takaful keeps the cover simple, with set benefits designed for everyday earners, families and community groups. Personal Accident Takaful lets individuals and employers choose benefit levels to suit an income or staff grades. A Kalkaal advisor can help you see which suits your situation better.
You may also need
Cover for crops, poultry flocks and fish farms
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