Takaful’ is a form of co-operative insurance. In Arabic, takaful means ‘solidarity’.

Based on the concept of shared contributions and mutual co-operation, Takaful Emarat does not charge interest. Instead, it provides regimented subscription and pooled compensation to protect members in case of loss.

Conventional Insurance involves making investments that can incur risk and generate profits, which are, in turn, retained by the company. Takaful however ensures that no one member can gain an advantage at the expense of another creating a cooperation among policyholders for the common good of all members.


Contributions are paid by participants, as a donation to a shared Takaful fund, providing protection for each member against combined risks and sharing surplus equally.

Surplus is distributed back to members as a renewal discount.

Participants ‘accounts and shareholders’ accounts are kept separate.

Investment profits are distributed among both participants and shareholders on the basis of Mudaraba or Wakala models.

If there is a deficit in any Participants’ Fund, Shareholder Fund provides an interest-free loan (Qard Hasan) to the Participant/s.

Takaful Emarat adheres to both UAE law and an appointed Shariah Supervisory Board.

Capital is only invested in funds that are fully Shariah compliant.

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Branch Network
In addition to our Head Office in at the heart of Khartoum, we have an extensive network of branches to serve your insurance needs conveniently located throughout the Khartoum State. Our well-trained, highly qualified and friendly customer service teams are on hand to help answer any inquiries that you may have.
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Medical Network
Our extensive network of quality medical providers offers you with over 2,000 medical providers, including pharmacies, hospitals, clinics and dentists, across the country. This is to assure you with optimum medical cover with the flexibility to fit your needs.
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Auto Repair Network
Our comprehensive vehicle repair network ensures that all vehicles are inspected and repaired by a team of expert mechanics. So you can be reassured that their vehicle will be repaired in a location that is convenient to them.
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The United Insurance Tower is the First Partnership Investment Between Shareholders & Policyholders.
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Download & View the Takaful Summit 2016 Program

Branch Locations

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