Liga Asuransi – Dear risk takers, how are you? May you and your family always be in good health.
As usual, in this blog, we focus on discussing risk management and insurance issues; this time, we discuss the risks that can occur when pilgrims perform Umrah. If you are interested in this article, please share it with your colleagues so they understand like you.
The journey of performing Umrah is an extraordinary moment for Muslims worldwide. However, there are several risks that Umrah pilgrims may face behind these blessings and privileges. Understanding these risks and taking appropriate precautions is essential to ensure a safe, smooth, and meaningful journey.
In this article, we will explore seven risks commonly faced when going to perform Umrah. From fragile health to complex logistical challenges, every risk has the potential to affect your travel experience and smoothness.
We will discuss various aspects of the risks faced, including health risks due to environmental changes and the spread of disease in crowded places, the risk of accidents while carrying out sacred worship, and the risk of losing baggage and valuables that can disturb your peace of mind.
Not only that, but we will also see the risk of cancellation or unexpected changes in travel schedules, the risk of losing essential documents such as passports or visas, and the risk of theft that can be detrimental to your finances and emotions.
It is time to prepare ourselves and protect ourselves with the necessary knowledge to deal with these risks. In this article, we will discuss each of the risks in detail, provide practical tips, and explain why having adequate travel insurance is essential to protect yourself during Umrah.
So, join us as we explore the world of risks that Umrah pilgrims may face and how we can deal with them wisely. With proper knowledge and preparation, we can perform Umrah calmly, focus, and obtain maximum spiritual benefits.
7 RISKS THAT MOST OFTEN OCCUR WHEN TRAVELING UMRAH
Here are some risks that may be faced when going to performing Umrah:
- Health
Health risks include illnesses or injuries that can occur during travel, mainly due to environmental changes, fatigue, and the spread of disease in crowded places such as Mecca and Medina.
- Accident
Risk of accidents, both when performing worship such as tawaf and sa’i, and during daily activities such as walking on crowded streets or using public transportation.
- Lost Baggage
The risk of loss or damage to baggage while traveling can interfere with Umrah’s comfort and smooth implementation.
- Cancellations or Reschedules
Risk of cancellation or change of itinerary due to unforeseen reasons, such as weather conditions, flight disruptions, or changes in travel policies.
- Document Loss
The risk of losing essential documents such as passports, visas, or travel tickets can hinder travel and require time and effort to arrange replacements.
- Theft or Loss of Valuables
Risk of falling victim to theft or losing valuables such as cash, jewelry, or electronic devices during the trip.
- Inconveniences and Logistical Challenges
Risk of facing logistical challenges such as congestion, long queues, limited accessibility, or changes in transportation schedules, which can cause inconvenience and stress during the trip.
It is important to remember that the risks faced can vary for each individual and depend on factors such as health conditions, travel destinations, seasons, and environmental conditions. Umrah pilgrims must understand and be aware of these risks and take appropriate preventive measures, including having adequate travel insurance, following safety rules, and maintaining vigilance during the trip.
ISLAMIC TEACHINGS ON OVERCOMING RISKS
In Islam, ihtiar or effort is essential in dealing with risk. Muslims are taught to rely on Allah and ask for His help, but they must also make maximum efforts to overcome the risks.
Here are some reasons why we need to make efforts or ihtiar to overcome risks from the point of view of Islam:
- Submission to God
In Islam, submission to Allah does not mean we neglect our responsibilities and efforts. On the other hand, submission to God involves believing that God gives man the ability and wisdom to face and overcome risks using His given intellect and knowledge.
- Maintaining Safety and Well-Being
Islam encourages Muslims to take care of the safety and well-being of themselves and others. In this context, trying to overcome risks is part of our responsibility to safeguard and protect our lives and well-being given by God.
- Tawakkal and Tawassul
Although we try to overcome risks, as Muslims, we are also taught to have tawakkal, complete tawakal, to Allah and ask for His help. Tawassul, asking for intercession or help from Allah through prayer and good practice, is also an essential part of our attitude in dealing with risk.
- Balance Between Business and Tawakkal
Islam teaches the importance of finding a balance between effort and tawakkal. We must make maximum efforts using all available abilities and resources, but at the same time, we must also rely on God and put complete trust in Him.
- Plan and Preparation
In Islam, planning and carefully preparing in the face of risk is advisable. This includes planning good travel, taking preventive measures, and having the necessary equipment and resources to deal with possible situations.
In Islam, facing risks with effort or ihtiar does not mean that we do not trust in the destiny and power of Allah. Instead, it is a manifestation of belief.
EXAMPLES OF ACCIDENTS THAT HAVE OCCURRED DURING UMRAH
Here are some examples of accidents or risks that Indonesian Umrah pilgrims have experienced:
- Bus Accident
Bus accidents can sometimes occur from Mecca to Medina or vice versa. For example, in 2018, a group of Indonesian Umrah pilgrims suffered a bus accident in Saudi Arabia that injured several people and required medical treatment.
- Accidents During Worship
In some cases, Indonesian Umrah pilgrims have suffered accidents while performing prayers at the Grand Mosque or the Prophet’s Mosque. For example, Umrah pilgrims may fall or bump while performing tawaf or sa’i.
- Lost Baggage
Sometimes, Indonesian Umrah pilgrims experience baggage loss or damage during the trip. Baggage containing clothing, worship supplies, or valuables may be lost or damaged, leading to inconvenience and financial loss.
- Diseases and Health Conditions
Some Indonesian Umrah pilgrims have experienced health problems during the Umrah journey. These can include respiratory distress, dehydration, fatigue, or even infectious diseases that can spread in crowded places.
- Document Loss
Indonesian Umrah pilgrims can also experience the loss of essential documents such as passports, visas, or travel tickets. This can lead to delays or even trip cancellations if records cannot be replaced quickly.
- Cheating or Fraud
Sometimes, Indonesian Umrah pilgrims can become victims of fraud or fraud by irresponsible travel agents. This can include non-fulfillment of promised services or using congregational funds for personal gain.
- Transportation Disruption
Other risks are transportation disruptions such as flight delays or cancellations, train failures, or congestion that can affect travel schedules and the comfort of Umrah pilgrims.
Umrah pilgrims must be aware of these risks and take appropriate precautions, including choosing a trusted travel agent, having adequate travel insurance, and maintaining vigilance during the trip.
UNDERSTANDING “SHARIA” TRAVEL INSURANCE COVERAGE FOR UMRAH
Travel insurance has significant benefits for Umrah pilgrims. Here are some of the main advantages of having travel insurance for Umrah:
- Health Protection
Umrah travel insurance provides health protection, including medical treatment costs and treatment when Umrah pilgrims experience illness or injury. This covers the cost of visits to doctors or hospitals, medical treatment, medications, and medical evacuation if needed.
- Emergency Medical Evacuation
In the event of a severe medical condition that requires emergency medical evacuation, Umrah travel insurance can provide financial and organizational support for a quick and safe evacuation process to an appropriate medical facility.
- Travel Cancellation or Postponement
Umrah travel insurance protects pilgrims from unexpected travel cancellations or delays, such as health reasons, emergencies, or transportation failures. Travel insurance can compensate for expenses incurred if the trip must be canceled or postponed.
- Lost Baggage
Umrah travel insurance protects Umrah pilgrims from the risk of losing or damaging baggage during the trip. Travel insurance will replace or compensate for lost items or damage incurred if the luggage is lost, damaged, or delayed.
- Theft or Loss of Valuables
If Umrah pilgrims become victims of theft or loss of valuables such as cash, passports, or electronic devices, Umrah travel insurance can provide reimbursement or compensation for such losses.
- 24/7 Emergency Assistance
Umrah travel insurance often comes with a 24/7 emergency assistance service. This means Umrah pilgrims can contact the support team anytime if they encounter an emergency or need assistance during the journey.
- Peace of Mind
Umrah pilgrims can have peace of mind and tranquillity in their worship by having Umrah travel insurance. They know they are protected from unexpected financial risks and can face emergencies with adequate support and protection.
Umrah travel insurance provides financial protection and security for pilgrims during their journey. This helps reduce stress and worry that may arise, allowing them to focus fully on performing Umrah and maximize the spiritual benefits of the experience.
WHY SHOULD PILGRIMS AND UMRAH SERVICE COMPANIES USE OFFICIAL INSURANCE BROKERAGE COMPANIES?
Umrah pilgrims and Umrah services companies need to use insurance brokerage companies that are officially registered with the Financial Services Authority (OJK) for the following reasons:
- Trust and Reliability
Insurance brokerage companies officially registered with OJK have passed a strict regulatory and supervisory process. They have licenses and certifications demonstrating trust and reliability in travel insurance services. Using registered brokerage companies, Umrah pilgrims and Umrah services companies can ensure they deal with legally supervised and professional institutions.
- Consumer Protection
Insurance brokerage companies registered with the FSA are subject to regulations and standards designed to protect the interests of consumers. This includes clear and transparent disclosure of information about insurance products, protection of consumer rights, and fair dispute resolution procedures. By using an officially registered brokerage company, Umrah pilgrims and Umrah services companies have legal protection and mechanisms in case of disputes or dissatisfaction related to travel insurance.
- Access to Leading Insurance Providers
Insurance brokerage companies registered with OJK have access to various leading insurance providers. This means they can offer comprehensive travel insurance products that suit the needs of Umrah pilgrims and Umrah services companies. By using an officially registered broker, they can get a complete and quality insurance option from various trusted insurance companies.
- Effective Claims Handling
Insurance brokerage companies registered with OJK have an organized system for effective claim handling. They have precise and reliable procedures for processing insurance claims quickly and efficiently. This is important in emergencies or when Umrah pilgrims or {services companies need immediate financial assistance.
- Legal Compliance and Business Ethics
Insurance broker companies officially registered with OJK must comply with established legal regulations and business ethics. They are supervised and can be prosecuted if found to have violated the rules or conducted unethical business practices. Using a registered broker, Umrah pilgrims and Umrah services companies can confidently deal with a responsible party with integrity.
Overall, using insurance broker companies officially registered with the OJK guarantees protection, trust, and comfort for Umrah pilgrims and {services companies. This helps minimize risks and ensures that the travel insurance obtained is up to the expected standard.
CONCLUSION
The age of the pilgrim, the duration of the trip, the purpose of the trip, the amount of coverage, the type of insurance and coverage, medical history, and insurance policies and providers are factors that affect the cost of premiums.
Understanding these factors and communicating with a trusted insurance brokerage company is essential to get an insurance policy that fits your needs and budget.
By obtaining appropriate Umrah travel insurance, Umrah pilgrims can feel safer and calmer during their trip, knowing they are protected from unwanted financial risks.
One of Indonesia’s leading official insurance brokers that focuses on providing Umrah travel insurance coverage is L&G Insurance Broker.
For all your insurance needs, please get in touch with L&G now!
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L&G HOTLINE 24 HOURS: 0811-8507-773 (CALL – WHATSAPP – SMS)
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