While medical scheme options will remain the same, members who opt for the sharia-compliant plan will have their pooled funds managed in accordance with sharia principles.
Profit and loss sharing: Both parties to the financial transaction must share in the risks and rewards. Farzana Baba, head of health product development at Discovery Health, says that when the product was first announced in 2020, there was widespread interest from thousands of Muslims across the country. However, ironing out the details of how the Takaful principles are employed while complying with the Medical Schemes Act resulted in a year’s delay in bringing the product to market.
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