Takaful provides much the same service for customers as conventional 'Western' insurance, but avoids Riba (interest and usury) and Gharar (uncertainty or risk in the operation of a contract), which are both forbidden under Sharia. One of the main distinctions between insurance and Takaful is that in the latter one’s premium is classified as a donation. But as far as you are concerned, you still pay a monthly sum and receive first class health coverage. So, if you neglect to donate, you will not be covered.