<div>Insurance business can be distinguished on some reviews. It includes general</div><div>insurances, life insurances and reinsurances (on the basis of its function).</div><div>Based on its basic policy, it includes term life insurances, whole life insurances,</div><div>two beneficial insurances, insurances of investment unit (unit linked). Based</div><div>on its belongings, it includes national private-owned insurances, state-owned</div><div>insurances, foreign corporations-owned insurances, and multiplicity-owned</div><div>insurances. Based on the nature of its implementation, it includes voluntary</div><div>and compulsory insurances. Based on the business support activities, it includes</div><div>insurance brokers, reinsurance brokers, insurance loss assessor, consulting</div><div>actuary, and insurance agents. Mean while, mechanisms of Takaful (shari’a</div><div>insurances) include underwriting, insurance policies, premiums, management</div><div>of premiums, claims and insurance coverage. The main obstacles to develop</div><div>shari’a insurance are lack of socialization, limitation of human resources of</div><div>Takaful’s expert; lack of Muslim support, weakness of government support.</div><div></div><div><strong>Keywords:</strong> Insurance, Shari’a, BPJS.</div><div id="_mcePaste" class="mcePaste" style="position: absolute; left: -10000px; top: 0px; width: 1px; height: 1px; overflow: hidden;"><div id="_mcePaste" class="mcePaste" style="position: absolute; left: -10000px; top: 0px; width: 1px; height: 1px; overflow: hidden;">IAIN Tulungagung, Jl. Mayor Sujadi Timur No. 46</div><div id="_mcePaste" class="mcePaste" style="position: absolute; left: -10000px; top: 0px; width: 1px; height: 1px; overflow: hidden;">Email:budikolistiawan@gmail.com</div></div>