Hajj & Umrah Quotation Form

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Overview

About Hajj & Umrah Insurance

Hajj is one of the pillars (obligations) of Islam, with a condition of financial and physical ability. Irrespective of rich and poor, all Muslims aspire to perform Tawaf of the Holy Kaaba and visit the holy Rawaza Mubarak of the beloved Prophet Muhammad (PBUH).

Keeping the large number of deprived believing Muslims in mind, Hanif InsurTech launched the Islamic Takaful "Hajj Bima" plan — a means of savings that plays an effective role in providing funds for performing the holy Hajj or Umrah.

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Type of Plan

Hajj Insurance Policy — a Shariah-compliant Islamic Takaful savings plan for Hajj and Umrah.

Policyholder Entry Age

18 – 55 years of age at the time of policy commencement.

Policy Terms

Available in 10, 15 & 20 year terms with a maximum maturity age of 70 years.

Sum Assured

Minimum: Tk. 1,00,000
Maximum: Based on socio-economic condition of the applicant.

At a Glance

Key Features

Plan Type Hajj Insurance Policy

Entry Age 18 – 55 years

Min. Sum Assured Tk. 1,00,000

Max. Sum Assured Based on socio-economic condition

Max. Maturity Age 70 years

Policy Terms 10, 15 & 20 years

Payment Mode Yearly, Half-Yearly, Quarterly

Tabarru Fund 2.5% of paid amount added to P.S.A (Tabarruh) Fund

Eligibility & Parameters

Plan Details

Everything you need to know about eligibility conditions and premium calculations.

Mode of Payment

Premiums can be paid on a yearly, half-yearly, or quarterly basis — giving you flexibility that suits your income cycle.

Income Tax

Premium rate chart (per thousand) is provided in the official brochure. Tax benefits may apply as per prevailing income tax rules.

Tabarru Fund

2.5% of the paid amount will be added to the P.S.A (Tabarruh) Fund — a Shariah-compliant mutual contribution pool for risk coverage.

Premium Calculation

Premium rate chart (per thousand) is given in the brochure. Contact us for a personalized premium calculation.

Supplementary Coverage

Not applicable for this plan.

Policy Benefits

What This Plan Provides

Three key benefits designed to protect your savings and your family.

On Survival

On survival of the policyholder till the end of the term, the full deposited amount in the Amanat Fund will be paid with accrued bonus at maturity — ready to fund your Hajj or Umrah journey.

On Death Benefit

If the policyholder passes away while the policy is in force, the amount in the Amanat Fund with selected profit (based on profit and loss) is paid to the nominee. Future installments for the remaining term are refunded from the Tabarruh Fund.

Surrender Value

The insured can avail Surrender / Encashment value after completion of 2 (two) policy years, providing a safety net in case of urgent financial need.

Have Questions?
Contact Hanif InsurTech

We're here to help you plan for the sacred journey of Hajj or Umrah. Connect with us on WhatsApp or email — we'll respond quickly!

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