Built on International Shariah Standards
BCCM Mutuals Associate Member
Shariah Compliant
(Click to view certification)
Backed by Global ReTakaful Providers
Our Pricing
We believe protection should be accessible to everyone. That's why we aim to keep contributions fair for our members.
How Najmaa works
(The Takaful way)
Unlike traditional insurance, Najmaa works through a Takaful model built on shared responsibility and members helping each other. If you are accepted as a Member, a portion of your contribution is used to help run everything and requests for support are considered with the mutual model in mind. Any surplus is applied for the benefit of the mutual and the broader community. It's not insurance, it's Members looking out for each other, with structure.
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Najmaa Waqf · Protection with Purpose
The institutions we need begin with us.
Najmaa’s protection model includes an ongoing 5% allocation to Najmaa Waqf, supporting social justice, community uplift and institutions that can serve generations.
Discover Najmaa WaqfOur values
For Members, not shareholders
We aim to keep contributions fair and accessible.
Real customer care
Our team cares.
Just humans helping humans.
Values-Driven
Built on transparency, fairness and shared responsibility.
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We know your time's valuable. That's why we've made getting protection simple, just a few questions and you're done.
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Najmaa Mutual vs. Traditional insurers
Unlike traditional insurers, Najmaa Mutual is built on a Takaful model based on mutual assistance and shared responsibility.
Najmaa Mutual
- Member-based model
- Contributions made to support the mutual model
- Shariah compliant
- Takaful (member-focused approach to risk)
Traditional insurers
- Generally shareholder-owned
- Profits generally distributed to shareholders
- Not Shariah aligned
- Risk is transferred from the customer to the insurer