Insurance According to Islam

   Among the new mu'amalah form, namely the so-called insurance. Some are associated with problems of life, called life insurance and some insurance as collateral in case of accident. How is the view of Islam? 

    Before we answer this question, first we would like to inquire about the soul than this company. What is soul? And how the relationship between the members of the insurance with the company? Or in other words: Is it a full member of the insurance as a member shirkah for the company? If so, every member shirkah (insurance members) must submit (fellowship) of gains and losses earned and sustained by the company, according to the provisions of Islamic teachings.

   In the accident insurance of a member to pay a sum of money (x dollars for example) every year. If he can get away from accidents, then the deposit is lost (trade, company, ship or otherwise), being the owner of the company will retain the least amount of money and not return to the member's insurance. But in case of an accident, then the company will pay a sum of money agreed upon.

Such an enterprise is completely away from the character and solidarity trade association.

     In life insurance, where members of the insurance is paid a sum of $ 2,000.00 for instance in the first period and then suddenly died, then he will get a refund that amount to the full, not a penny less. But if he was bersyirkah in berdagangan, then he will get the return an amount of money paid in that period plus the profits.

    Then when he defected to the company and could no longer pay for subsequent periods he's already been paid sebatiagiannya, then some money is paid it or most of it will be lost.

     This at least can be said: a covenant is broken. And the reason for the two existing parties mutual willingness to know each other and both have their emergence was weightless. Because the use of usury and the feed also has a mutual give up so both players had to give up gambling. But because of his willingness tokh was not considered a reason for such actions halal, as long as this mu'amalah not uphold the principles of justice with a firm that is not mixed with deceit and injustice and deprivation by one party against the other party is justice and not harm each other is pokok.Insurance According to Islamic rules

     If we already know, that Islam can not accept the current insurance model with all the activities that have been enacted, then this does not mean that Islam is opposed to the idea that insurance ansich.

     Absolutely not! That Islam is opposed by some of the principles and how. As if there are other ways that are not contrary to Islamic law, then surely Islam would be welcome.

     In summary, Islam has guaranteed that the rules of his community and the people who are under the auspices of Islamic rule in its own way, in the regulation and direction. There are times when the guarantee is that through the attitude of solidarity of the members of the community itself, and sometimes through government and non-Baitul Maal.

Baitul-Maal is in general insurance for all those who take shelter under Islamic rule.

     In Islamic law there is an assurance and ways to channel it to someone who is getting the disaster,In the previous chapter we have mentioned, that among the things that allows one to ask, namely if he overwritten hunger. He may ask the government (waliyul amri), and waliyul amri will reimburse all he suffered was or would be sufficient to partially relieve.

We find also an assurance to the heir because the death of a family, such as the Lord the Holy Prophet:

"I have more right to take care of every Muslim than himself; whoever left the property, then the treasure to his heir, and whoever left the debt or bankruptcy, then for me and my dependents." (Bukhari and Muslim)

     Among the Islamic insurance against his people, is what is called a special section for people who owe (gharimin) in the distribution of zakat.

    While the expert commentary from scholars who interpret the word salaf there gharimin, namely: people whose homes have burned, or his property swept away by floods and so on.

      While jurists also argue, that in such circumstances he should be given assistance from the zakat money, which he suffered as much wealth, though many thousands.