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Insurance in Islam and Fatwa on Health Insurance and Life Insurance

Hi all readers! Are you looking for an explanation of insurance in Islam and fatwa on health insurance and life insurance? If your answer is “Yes”, congratulations! Now you are reading the right article. Why? Because that is what I will explain in this article. As Muslims, we must understand that. That's why I wrote this article. So, you should read it to the end!

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Specifically, there are four important things on insurance in Islam and fatwa on health insurance and life insurance which I will explain in this article. The four important things I mean are as follows:

Insurance in Islam: What is the Islamic View on Insurance?

The important thing on insurance in Islam and fatwa on health insurance and life insurance which I will explain now is "insurance in Islam: what is the Islamic view on insurance?". I want you to understand that first before you read more explanations in this article because that is the basic thing in this discussion that must be well understood.

Insurance is an agreement between two parties, namely the insurance company and the policyholder, which is the basis for receiving premiums by the insurance company in return for:

  • Providing compensation to the policyholder for loss, damage, loss of profit, or legal liability to third parties that the policyholder may experience due to the occurrence of an uncertain event; or
  • Providing payments because the policyholder dies or payments based on the life of the policyholder with benefits whose amount has been determined and or is based on the results of fund management.

For Muslims, all things related to them must be halal. So, insurance. If insurance is lawful in Islam, they may have insurance. But if insurance is haram in Islam, they should not have insurance.

Therefore, one important question on insurance in Islam that we must understand first is, "What is the Islamic view on insurance?"

In general, Islam does not prohibit Muslims from having insurance. They are allowed to have insurance if the funds collected are managed according to Islamic rules.

That is a brief explanation of "insurance in Islam: what is the Islamic view on insurance?". As Muslims, we must understand that.

The Reasons Why Insurance in Islam Is Halal

The second important point on insurance in Islam and fatwa on health insurance and life insurance which I will explain now is the reasons why insurance in Islam is halal. I want you to understand that first so that you have a complete understanding of this discussion.

In general, if we read some Islamic literacy on insurance, we will find five reasons why insurance in Islam is halal:

  • There is an element of protection in insurance.

In life, we need a protection fund if bad things are going to happen. For this reason, Muslims must anticipate possible risks in economic life in the future, it is necessary to prepare a certain amount of funds from the start.

One solution that can be done is to have insurance that is managed with sharia principles. Insurance is needed to protect property and life financially whose risks are unpredictable.

The things that are generally insured are homes, vehicles, health, education and life. By having insurance, Muslims do not need to worry on the risks they will experience.

  • There is an element of mutual assistance in insurance.

All existing religious teachings must teach each other to help each other. In social life, mutual assistance can be done in various forms, either financially or in kind.

Some Islamic legal experts explain that there is an element of mutual assistance in sharia insurance that some people do through investments in assets that provide a pattern of returns to face certain risks through sharia-compliant contracts (agreements).

  • There is an element of goodness in insurance.

There is an element of goodness in every sharia insurance product. In sharia insurance, there is "aqd tabbaru'". Literally, tabbaru' can be interpreted as goodness.

The rule is that the amount of premium collected is called a grant that will be used for good, namely claims that are paid based on the agreement agreed at the beginning of the agreement.

The amount of premium can be determined through existing references, such as referring to the mortality table to determine premiums on life insurance and the morbidity table to determine premiums on health insurance, provided that the element of usury is not included in the calculation.

  • There is an element of sharing risks and benefits in insurance.

In insurance that is managed according to Islamic rules, the risks and profits are shared equally among the people involved in the investment. This is considered very and in accordance with Islamic rules because insurance is not carried out in order to seek commercial profits.

  • Insurance is part of the muamalah.

Muamalah is part of Islamic law that regulates human relations. Examples of relationships that are regulated in Islam are buying and selling and trading. It is also the basis of sharia insurance.

According to some experts in Islamic law, insurance is part of muamalah because it involves humans in financial relationships. All rules and procedures must of course be in accordance with Islamic rules.

That is a brief explanation of the reasons why insurance in Islam is halal. As Muslims, we must understand that.

Fatwa on Health Insurance

The important thing on insurance in Islam and fatwa on health insurance and life insurance which I will explain now is fatwa on health insurance. I want you to understand that because it is an important discussion on insurance in Islam.

In the previous few paragraphs, I have explained that Islam allows Muslims to have insurance. This means that insurance is not an obligation in Islam. So, Muslims may have insurance and may not have insurance.

In general, we can understand insurance as a guarantee of good in the future. That is the basis for fatwas on many things, such as fatwas on health insurance. In fact, if we read some of the literacies of Islamic law on health, we will find an explanation that Islam strongly encourages Muslims and even obliges them to take care of their health.

We find this explanation in the hadith below (though it is not specifically explained):

عَنْ عَبْدِ اللهِ بْنِ عَبَّاسٍ رَضِيَ اللهُ عَنْهُمَا , عَنِ النَّبِيِّ صَلَّى اللهُ عَلَيْهِ وَسَلَّمَ قَالَ : نِعْمَتَانِ مَغْبُونٌ فِيْهِمَا كَثِيْرٌ مِنَ النَّاسِ : الصِّحَّةُ ، وَالْفَرَاغُ

From Abdullah bin Abbas radiyallahu anhuma, from the Prophet (Muhammad) sallallahu alayhi wa sallam, he said, "Two pleasures that humans often forget are health and free time."

So, what is the fatwa on health insurance in Islam?

In simple terms, I want to say that Muslims may have health insurance if the health insurance fund is managed according to Islamic rules.

That is a brief explanation of the fatwa on health insurance. As Muslims, we must understand that.

Fatwa on Life Insurance

The important thing on insurance in Islam and fatwa on health insurance and life insurance which I will explain now is fatwa on life insurance. I want you to understand that because it is one of the important discussions about insurance in Islam that must be well understood.

Life insurance is one type of insurance that provides services to mitigate risks related to one's life. This type of insurance aims to cover unexpected financial losses because someone dies within a certain time.

So, what is the fatwa on life insurance in Islam?

In simple terms, I would like to say that Muslims may have life insurance if the life insurance fund is managed according to Islamic rules.

That is a brief explanation of the fatwa on life insurance. As Muslims, we must understand that.

That is a brief explanation of insurance in Islam and fatwa on health insurance and life insurance. Do you understand? If you want to ask, please ask!

I think that's enough for this article. Hope it is useful. Amen.

See you again in the next article!

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