group solidarity
It is a collective insurance for workers in institutions or companies and is carried out either through unions or the administration and aims to provide an alternative income to the family in the event of death, disability or illness of the worker and covers the risks of natural death, death by accident, total disability resulting from accident or disease, partial disability resulting from accident, disability Temporary total, in addition to the advantage of the contributor’s freedom to determine the amount of compensation and increase it whenever he sees it. It is also possible to participate in compensation for dangerous diseases, which include heart attack, stroke, coronary artery operations, arterial (aortic) operations, heart valve replacement, failure, the contributor is paid A predetermined amount in case of contracting one of the aforementioned diseases.
Pension Takaful
The company manages pension funds for employees on behalf of the union or institution, according to the Shariah-approved pension insurance system, where the member pays a monthly subscription in return for enjoying the retirement benefit, which is paid as a single payment upon retirement of the contributor.
In order to participate in the system, the entity requesting the subscription (a union or institution) provides the basic data for the employees, including the name, date of birth and date of appointment.
Takaful Mudaraba
It is an individual system that provides the subscriber with an opportunity to form capital for the purpose of a project such as building a house, a distinguished university education for the children, or an amount for retirement, through a regular saving method. The subscriber pays monthly or annually to the company. Upon the death of the contributor or his permanent disability. It also provides coverage for exemption from premiums in the event of a health contributor's incapacity and coverage for dangerous and diseases.
Mortgage Protection Takaful
It is a system for securing loans and advances, according to which the company pays the balance of the loan (advance) in favor of the lender, in the event of the death of the borrower (obligor of the debt) or the permanent total incapacity that causes him to perform his work or any other work in return for a consideration, and thus the mortgage is released from the property and the family is not affected by the loss of benefit Nor do financial institutions pay the remaining premiums, and the company offers two types of coverage for this policy (Individual Takaful System for Mortgage Protection) and (Group Takaful System for Mortgage Protection).
family solidarity
Family takaful is an individual takaful system that aims to protect the family in the event of the breadwinner’s death or health disability by paying an agreed amount in the event of the aforementioned risks, and insurance for other family members can be added.
Sports Takaful
For this important category, Shikan offers this unique document that covers professional athletes against the risk of injuries that they may incur in the course of sports duty and gives them the agreed advantage in the event of injury.
travel insurance
Travel insurance covers the following:-
1/ Comprehensive medical care. 2/ Emergency dental care. 3/ Sending medicines. 4/ Medical referral or scheduling appointments with a local specialist. 5/ Repatriation of the dependent’s body. 6/ Cancellation of the trip. 7/ Re-deportation of a close family member. 8/ Return of dependent children. 9/ Emergency repatriation due to the death of a close family member or sibling. 10/ Delayed departure. 11/ Urgent message delivery. 12/ Long distance medical information services. 13/ Loss of baggage. 14/ Communication services. 15/ Guarantee bond submitted.
Takaful policies generally cover the following cases:
Natural death, death by accident, total or partial disability, coverage of dangerous diseases (heart attack, shock, heart disease, atherosclerosis and kidney failure).
Procedures required to issue any Takaful insurance policy
Insurance request.
Lists of individuals to be insured containing (details in terms of gender, age).
Document Issuance Insurance.
Phone:+249 91 230 0000
E-mail:info@shiekanins.sd
Hotline:2220
Marine insurance policies cover goods transported by air, sea or land from the specified location from the beginning of the journey to its end. It occurs for goods transported during the sea or air voyage. It can also include the land voyage when it is connected to the sea voyage. There are also conditions for the internal transport document and conditions for the dangers of war and other conditions for the dangers of riots and strikes
The marine insurance policy starts from the time the goods leave the exporter’s warehouse in the country of origin until they reach the importer’s warehouse in the country or city specified in the insurance policy or the expiration of a period of sixty days from the date of unloading the goods at the port or when the owner begins distributing them or changing their course, and generally All documents A / B / C include the dangers of fire, theft, drowning, delinquency, collision and overturning of the means of transport and the resulting damage, except that the internal transport document (not linked to a maritime transport document) is limited in coverage as it covers the risks resulting from accidents of means of transport. Transportation such as coup, collision and fire only. It does not cover the risk of theft and damage unless it is caused by one of the aforementioned accidents.
Ship hull insurance:
This insurance covers the hulls of ships and machinery against the dangers of fire, collision, drowning and delinquency, in addition to freight and war insurance.
Phone:+249 91 230 0000
E-mail:info@shiekanins.sd
Hotline:2220
Shikan Insurance offers this distinguished service to the expatriate segment by providing coverage that includes the expatriate and his family with a collective policy that includes all subscribers, preferential prices, high ceilings, and a very special medical and takaful coverage
Benefits of medical insurance coverage
Outpatient services:
Medical examination - Diagnostic tests - Medicines registered with the Ministry of Health - Physiotherapy due to an accident or surgery
Hospital inpatient services:
The cost of the room and its services and the cost of the intensive care unit - the expenses of surgical operations and anesthesia. - the expenses of hospital services (medical examination - diagnosis - medicines - injections - systems for stimulating the heart and lungs, physical and chemotherapy and corn treatment - nursing - the cost of blood transfusion - ambulance from the hospital for the purpose of diagnosis or treatment Inside the city if necessary - mortuary expenses in the event of death of the dependent after hospitalization
Pregnancy and childbirth coverage:
It covers the examinations and tests related to the follow-up of pregnancy - natural delivery and caesarean section and covers only one birth per year - legal abortion.
Teeth Covering:
It covers extraction - filling - root canal treatment - gum treatment.
Eyesight Coverage:
It covers the vision detection - the value of the lenses - the value of the frames
Advantages of Takaful insurance coverage
Covering dangerous diseases such as (heart attack, stroke, cancer, coronary artery operations, kidney failure)
Condolence expenses cover the cost of mourning expenses according to the nominal value specified in the schedule of benefits.
Procedures required to issue a medical insurance policy
Insurance request.
Statements of individuals to be insured, medical and takaful containing (their details in terms of gender, age).
Issuance of insurance policy.
A copy of a valid residence permit
Phone:+249 91 230 0000
E-mail:info@shiekanins.sd
Hotline:2220
Cars Insurance:
It is coverage for damages to the car, third parties, or third party property, in return for a premium of money determined on the basis of the market value of the car. There are several types of car insurance, the most important and most common of which are:
full insurance:
It covers losses or damages to the car body, which are loss or damage resulting from:
Collision or overturning, fire, external explosion, theft or attempted theft, moving the vehicle by any means provided that the company is notified in writing before the transfer, an act of a third party.
Third Party Insurance (Compulsory Insurance):
This insurance covers civil liability towards third parties in the event of bodily harm, death or material damage to the property of others as a result of the use of the vehicle by the insured or the driver authorized to drive it with the permission of the insured.
The Islamic Insurance Company is considered one of the leading companies in all the field of Islamic insurance as it is the first Islamic insurance company in the world and thus invites you to take advantage of its services in the field of car insurance to enjoy an integrated insurance service with efficiency, excellent performance and ease of procedures.
Phone:+249 18 377 0705
E-mail:info@islamicinsur.com
Hotline:4400
This type of insurance provides protection to compensate for losses and damages to movable and immovable property for the danger caused by fire and theft and covers the dangers of riots, disturbances, fires caused by electrical wires, vehicle collisions, malicious acts, self-ignition, explosion, earthquakes, volcanoes, rain water and torrential rain. Floods, winds, hurricanes, hurricanes, bursting water pipes, overflowing water tanks, planes and what falls from them and objects falling from the sky.
Phone:+249 18 377 0705
E-mail:info@islamicinsur.com
Hotline:4400
Marine insurance covers losses incurred by goods due to exposure to insured risks during transportation or shipment.
Types of marine insurance:
1- Cargo insurance:
Includes goods transported by sea or air. Goods insurance is divided into three types, namely (A, B, C Clause), or what is known as conditions A, B, and C. The three conditions agree in covering:
Fire and explosion, deviation, impact, seizure, overturning, derailment of the means of transport from the line, collision, unloading of goods at the port of asylum, general loss, and condition (a) increases over conditions b and c in a number of coverages. Therefore, condition (a) is known to be comprehensive, but There are general exceptions:
Negligence, willful error, natural wear and tear, lack of weight, inadequate packaging, intrinsic defect resulting from the nature of the goods, delay.
2- Internal transport insurance:
It covers goods transported by road, railways, rivers and lakes, and covers damage or loss resulting from fire, overturning of the means of transport, derailment of railway cars, or sinking of the means of river transport. There are also general exceptions:
Self-defect of the goods, damage resulting from delay, shipment of goods with flammable and explosive materials, damage due to rain water, theft, inability and non-delivery, seizure and confiscation, fraud and neglect, war of all kinds. It is required that it be a valid vehicle, loaded in a sound manner, and that its tonnage does not exceed the legally authorized limit.
3- Insuring the hulls of ships and boats:
It covers automatic breakage of machines, collision, piracy, marine rescue, burglary, fire, and there are protection and compensation clubs established by ship owners and cover risks that are not covered by marine insurance with insurance companies such as personal accidents, passenger and captain baggage and liability for damage to berths and barriers in ports and the resulting pollution due to leakage of materials from ships.
Phone:+249 18 377 0705
E-mail:info@islamicinsur.com
Hotline:4400
The dangers to which the oil installations are exposed in general, the risks to which the oil installations are exposed can be categorized in terms of presence into two categories:
wild dangers
Marine hazards
In terms of type, they can be classified into:
1/ The dangers of physical damage include:
Fire: It is one of the most important and expected dangers (for the presence of flammable materials) and oil rushes, especially gas
Hazards of a chemical nature such as explosion and heating.
Natural hazards such as storms, floods, earthquakes, volcanoes, lightning and rain.
Dangers of a social or political nature such as demonstrations, strikes and intentional harm.
Other dangers such as planes and objects falling, vehicles colliding with secured objects, and these also may result in fire or explosion.
2/ Corrosion: This danger has become an obstacle to the continuity of operation. Sometimes it causes the production to stop for a long period, which results in huge material losses, the most important of which is the presence of salts in crude oil and the percentage of sulfur in refineries and distillation units.
3 / Pollution: the presence of hydrocarbon, sulfur and nitrogenous substances in gases or liquids, some of which are released into the atmosphere and some of which leak into the water, causing pollution. This danger may also fall under civil liability.
4/ The dangers of civil liability.
5 / Consequential loss risks: As we mentioned, the facility may be exposed to one of these risks at any stage of oil extraction, and it may be exposed to all of these risks.
Phone:+249 18 377 0705
Email:info@islamicinsur.com
Hotline:4400
Since 2006, the Islamic Insurance Company has introduced group medical and travel insurance, in response to the growing demand for these two covers in the Sudanese insurance market.
Benefits of a group medical insurance policy (group medical takaful): -
The costs of the outpatient clinic are not limited to a certain amount (open) according to the amount and extent of coverage in the policy.
A wide network of hospitals, dispensaries and private clinics.
Chronic diseases and pre-insurance conditions are covered by a specified percentage of the extent of coverage.
Medical approvals for surgeries reach hospitals in the shortest possible time.
Refunding direct treatment bills in case of leaving the medical network is done in the shortest possible time.
There is no maximum cost for room and board in inpatient cases, depending on the extent and amount of coverage.
In emergency cases, the treatment is carried out at the nearest treatment center, and the dependent (patient) receives the full amount of the treatment.
There is a waiting period - 280 days
If you choose to cover pregnancy and childbirth.
Covering newborns after 30 days from the date of birth.
Caring for patients and constantly ensuring the level of medical care
Insurance coverage:
The Islamic Insurance Company Ltd. has formed a private network for health care by contracting with a distinguished group of doctors and hospitals to provide a high level of health care for its dependents.
Phone:+249 18 377 0705
E-mail:info@islamicinsur.com
Hotlinn:4400
It is a system of cooperation on land and in eliminating harm to the traveler due to his exposure to the danger stipulated in this document.
This service is based in its legitimacy on the general rules of Sharia that call for cooperation and support of people to each other, the Almighty said (and cooperate in righteousness and piety). Medical and travel insurance, and keeping pace with the Islamic insurance market, the company has introduced this type of insurance and concluded an agreement with one of the best international assistance companies, the Spanish company mapfre asistecia, in order to provide the best insurance service to its valued insured and with large compensatory limits.
This is a summary of the most important services provided by the company through the travel insurance policy:-
Medical services and aid, including the cost of treatment and stay for treatment abroad in case of injury or illness, and covering all medical expenses within the amount of thirty thousand euros (30,000 euros).
Deportation or re-deportation In the event of the insured’s illness or sudden injury, the company will bear all costs of deportation by ambulance or any suitable means of deportation to and from the doctor or hospital or return him to his place of residence
Emergency dental care The company provides the medical assistance required for dental treatment in case of pain, inflammation or dislocation with a maximum of four hundred and fifty euros (450 euros).
Bringing back a family member who traveled with the insured in case of illness or injury
Returning the body of the insured in case of death to his country of residence
Traveling a family member In the event the insured person enters and stays in the hospital, the company will bear the travel costs of a relative with the costs of eighty-five euros (85 euros) for ten days.
Emergency return of the insured The company shall bear on behalf of the insured the cost of emergency return in the event of the death of a relative
The company bears the costs of sending medicines and delivering urgent messages related to the treatment.
Cash financing in the event of a cash shortage for any reason during the trip, with a maximum of eight hundred euros (800 euros)
The submitted guarantee bond where the company provides any legal document on behalf of the insured to obtain cash financing within the limits of eight hundred and fifty euros (850 euros)
Legal expenses abroad with a maximum of two thousand and one hundred euros (2,100 euros)
Loss of passport, driver's license or ID card, up to a maximum of two hundred euros (200 euros)
Baggage loss:
Checked baggage with the passenger is up to a maximum of two hundred euros (200 euros).
Baggage delay with a maximum of one hundred euros for the purchase of essentials (200 euros)
14. Delay in departure for return up to a maximum of one hundred and eighty euros (100 euros).
Types of travel insurance coverage by country:
zone i: includes all countries except Sudan, America, Australia, Canada and Japan
zone ii: all countries except Sudan.
Information required when covering:
Name according to the passport (exactly identical), date of birth, passport number, passport validity period (date of issuance of the passport and the last date of expiry of the passport), the coverage period required for the document in addition to the country to which you want to travel.
What is required when canceling the document:
The original document, written by the embassy for the reason for which the visa was denied, to bring the document at least 72 hours before the start of the coverage stipulated in the document and the client will recover the amount of the document except for the issuance fees and government fees.
Phone:+249 18 377 0705
E-mail:info@islamicinsur.com
Hotline:4400
Engineering insurance types and coverages
Engineering insurance policies are called (all-risks policies), which cover all risks except for the exceptions stipulated in the policy.
1- All dangers of contractors:
This document covers civil construction projects such as: factories, roads, railways, airports, bridges, dams, tunnels, buildings, water stations, canals, ports,...
The coverage includes the permanent and temporary works that the contractor implements from the time of delivery of materials on site and during the construction period until the completion of the project, and the coverage can extend to include maintenance periods as well as the coverage includes the civil liability of the contractor towards the third party.
Exceptions:
1. The dangers of war - disturbances - civil disobedience - demolition and damage to property by order or permission of the authority or any government - atomic radiation.
2. Willful negligence of the insured or any of his representative.
3. Partial or complete cessation of work.
4. Loss or damage discovered during inventory.
5. Design error.
6. Natural wear and tear as a result of weather factors such as rust, oxidation and damage as a result of non-use.
7. Consequential loss in all its forms, such as material penalties and fines
2- All installation hazards:
This document covers all risks to machinery and equipment during the period of their installation in factories and until the end of the trial operation period. It also covers civil liability towards the third party.
3. Contactor Equipment:
This policy covers the equipment and machinery of onshore contractors against material damage due to an unexpected sudden accident and is covered under the policy. These machines and equipment are divided into the following groups:
• Cranes and hoisting machines - earth leveling machines - paving machines - road and railway construction machines - earthmoving and foundation drilling machines. - Means of transportation - Tunnel boring machines - Bridge building machines.
Phone:+249 18 377 0705
E-mail:info@islamicinsur.com
Hotline:4400
Takaful in case of death or disability (Takaful Policy)
It is cooperation in righteousness and synergy in reparation of harm between the participants.
Legality:
Its legitimacy is based on the Almighty’s saying: (And cooperate in righteousness and piety, and do not cooperate in sin and aggression). God Almighty has spoken the truth. Among the hadiths is the saying of the Messenger, may God bless him and grant him peace:
Its objectives: It aims to achieve solidarity between the contributors upon the death of one of them or his complete and permanent disability as a result of an accident or illness or permanent partial disability as a result of an accident during the subscription period.
Subscription conditions:
Participation is limited to persons who have reached the age of eighteen (18 years) and have not exceeded sixty-five (65 years) at the beginning of the subscription. Takaful benefits:
In the event of the death of the contributor or his permanent and total disability as a result of an accident or illness, the company shall pay his heirs (in the event of his death) or him (in the event of his disability) an amount equal to the amount of compensation (the nominal value). shortfall of nominal value.
Solidarity fund in case of death or disability:
The funds of the Takaful Fund in the event of death or disability consist of collecting the premiums of the participants and paid with the intention of donating.
Withdrawal from the project:
- The subscriber may withdraw at any time he wants by written notice to the company. - The subscriber donates whatever surplus may be due to him in the fund from the date of the last evaluation before his withdrawal.
Phone:+249 18 377 0705
E-mail:info@islamicinsur.com
Hotline:4400
Microfinance means financing the weak economically active segments of society, including small producers, small craftsmen, and productive families.
Basic principles:
First: The Islamic Insurance Company Limited is considered a first party (hereinafter referred to as the company) and the contributor is considered a holder of valid contracts as a second party (hereinafter referred to as the subscriber).
Second: The company shall be a trusted custodian and manager of microfinance operations insurance services in accordance with the provisions of Islamic Sharia.
Third: The company collects the subscribers' premiums in a fund it establishes called: (Microfinance Operations Insurance Fund).
Fourth: The company undertakes to publish microfinance operations insurance services.
Fifth: The participants willingly donate part or all of their subscription premiums to the Microfinance Operations Insurance Fund as needed.
Sixth: The company shall be responsible for any loss if it is proven that it is due to its failure to implement the terms of this system or its neglect in performing its duties.
Benefits of Microfinance Operations:
A real guarantee for the financiers and donors of microfinance projects.
Real support for the policies of the central bank and the state and thus contribute significantly to the gross national product.
The surplus of micro-insurance operations is a source of indirect revenue for the participating parties in addition to their other resources.
Raising the level of income of the low-income (the poor) and increasing their income
It allows the financiers (donors) great flexibility in adopting multiple financing formulas instead of focusing on Murabaha.
Phone:+249 18 377 0705
E-mail:info@islamicinsur.com
Hotline:4400
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