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Question:What is the ruling of commercial insurance is widespread nowadays? .Answer
:Praise be to God1) All types of commercial insurance Lord clearly and undoubtedly, they are selling lesser amount or more with the delay of a gold and silver, wherein Lord of virtue and the Lord, sciatica, because the owners of insurance take the money people and prepare them by giving them less money or more when the incident took place designated insured. This is usury, and usury forbidden text of the Quran in many verses.2) All types of commercial insurance are based only on gambling (gambling) is haraam according to the Koran: "O ye who believe, but the wine and gambling and idols and divining arrows are an abomination of Satan, avoid that ye may prosper"Insurance is in all its forms played organized blood doping ring, they say, you pay as well as the impact to you as well as the successful ", and this is the essence of gambling, although the distinction between insurance and gambling is not accepted by the stubbornness of sound mind, but the owners themselves admit that the insurance insurance gambling.3) All types of commercial insurance were deceived, and ambiguity Muharram many interviews are correct, from the hadeeth of Abu Hurayrah may Allah be pleased with him, "Messenger of God forbade peace be upon him from the sale of a pebble, and the sale of ambiguity" Narrated by Muslim.The commercial insurance in all its forms depends on the ambiguity, but ambiguity is obscene, all insurance companies, and anyone who sells insurance is strictly prohibited insurance against any risk of non-probabilistic, ie, that the danger must be possible to fall and not to fall in order to be capable of securing, and also prevents knowing when to fall in the amount, and thus meet in the ambiguity of the three types of insurance outrageous.4) all forms of commercial insurance consuming people's wealth unjustly, and is forbidden text of the Koran: "O ye who believe, do not eat up your property among yourselves unjustly".The insurance business of all kinds and forms fraudulent process of consuming people's wealth unlawfully, has proven one of accurate statistics for the experts a percentage of what the Germans returned to the people to take them is not equal to only 2.9%.Insurance is a great loss to the nation, not an argument by the infidels who are stranded and forced to Ooazarethm insurance is necessary because of hatred they hate death.This party of violations in the great insurance but does not it, and there are many other irregularities do not have room to mention here, no need to mention the violation of one of the foregoing is enough to make it the greatest taboo and evil in God's law.It is regrettable that some people are fooled by what appear attractive to them and wear them advocates Kedzmith Baltaoni insurance or takaful or Islamic or other names that do not change the truth of something false.With regard to the claims of the advocates of insurance that scientists may have stated in solving the so-called cooperative insurance is a lie and slander, and the reason for confusion in that it may provide some advocates of insurance to the scientists introduced a fake has nothing to do with some types of insurance and said that this type of insurance, and they called the insurance Cooperative (richly him Tlpisa people) and said that it was the door for donations pure and that of cooperation, which God has commanded in the verse: "And help one another in righteousness and piety", and was intended to cooperate to alleviate the overwhelming disasters that befall people, It is true that what they call the insurance cooperative is like other types of insurance, and the difference it is in the format without the truth and substance, which is far from donating pure, far from cooperating in righteousness and piety, where he is cooperating in sin and aggression, without doubt, was intended to disaster mitigation and restoration, but intended to rob people their wealth unlawfully, it is absolutely forbidden, like other types of insurance, therefore, to what their scientists do not die insurance onion.The claims of some of the return of some surplus, this does not change anything, do not save the insurance of usury, gambling, ambiguity and eat people's wealth unjustly and inconsistent depending on God Almighty, and other taboos, but it is deceptive and typecast and wanted to know more may refer to a letter (insurance and provisions) I call on every Muslim, jealous of his religion hope is in Allah and the Last Day to fear God in himself, and avoid all the insurance no matter how dressed of analyzed patent and decorated robes bright it haraam things, no doubt, and thus saves his religion and his wealth, and enjoy the security of the owner of Security glorified.God helped me and you to the visionary in religion and work to the satisfaction of the Lord of the Worlds.
Reference: Abstract in the governance of insurance to Sheikh Dr. Sulaiman bin Ibrahim dissuaded by a faculty member in the College of Sharia in Qassim. (Www.islam-qa.com)
Question Text:What is the ruling religion in health insurance, a person must pay premiums to the insurance company in exchange for it to pay the costs of treatment?Text answer:Praise be to God, prayer and peace upon the Messenger of Allah After:Health insurance is like any other of the categories of insurance, is no secret that it is not from Islam at all, because it involves ambiguity and eat people's wealth unlawfully HP example you have taken you to these premiums for many years not to invoke in what the treatment to take this money?Or you as soon as I was Anbram insurance contract an incurable disease treatment cost premiums for ten years, and the insured to pay the cost of treatment is not this gambling?For the questioner should keep away from such contracts are prohibited, and to ask God wellness.CAUTION:Some of us being aware of the formula that put the question, namely: (What is the ruling religion)?Should not be directed to someone like this question because one of the people does not reflect the religion, as makes a mistake may have been hit, and if we say that we express what this means is that Islam can do no wrong, because Islam is nothing wrong in it is better in such an expression that said:What you see in the governance of this or what you see in the act as well?Science and God.
Fatwa Center under the supervision of Dr. Abdullah al-Faqih
Question Text:Shaykh at the site of the Ministry of Awqaf in Qatar and, if possible by Sheikh Ali Salous ... God Baalmkm benefit Islam and Muslims, peace, mercy and blessings of God ................... After:My question for health insurance has already been apprised of opinions of many scholars in a statement denied him and that of the facilitator and the Fiqh Council issued a fatwa that ........?But the situation here in America is different from the situation in the Islamic country, where that treatment is expensive where individual people can not pay all costs and in particular surgeries and childbirth has cost the birth process, for example, around 5000 to 8000 Dolaroooktherhzp natural birth ..? The Caesarean section may exceed $ 12000 and measure the Fender Alyzlk the rest of the treatments that there will be Scouting for the doctor less than $ 50 called the matter to the rays or tests, or .... the price rose more and more, so you find that the income from Oalyaldjul doctor in America, but an almost in the world. If that case it is permissible for residents in this country of Muslims, whether they stay for study or work or .. or .. get health insurance as a matter of Urgency and the need as he says "it's been slaughtered, then he does not sin on him .."I hope that you Yashikhana Fadil statement ruling on this issue in particular dilemma for the people of limited income .... May Allah reward the best and the best to you.Text answer:Praise be to God, prayer and peace upon the Messenger of Allah and after:We would like to know the liquid that the Fiqh Council does not issue its decisions in view of the particular country or situation-specific, but takes into account the different environments, and the diversity of conditions and so provides.Complex and the decision of the prohibition on insurance is the right thing.The Muslim should trust in God and a reliable and authorizes it to him, and that Muslims should seek to establish cooperative funds to pay for the risks, and respond to crises, and God knows best.
Fatwa Center under the supervision of Dr. Abdullah al-Faqih
Question Text:Can you provide me with the advisory opinion of the Fiqh Council for health insurance and May Allah reward you.Text answer:Praise be to God, prayer and peace upon the Messenger of God and his family and After:Did not stand on the decision of the Fiqh Council regarding health insurance, but issued two decisions of the compound on insurance in general, and it knows the rule of health insurance. Here's the text of the resolutions:Decision of the Fiqh Academy in MakkahResolution V:Insurance in all its forms and manifestations.Praise be to God, prayer and peace upon the Messenger of God and his family and After:The Islamic Fiqh Council has considered the issue of insurance of all kinds, yet look at much of what scholars have written about it, and after See also the decision of the Council of Senior Scholars in Saudi Arabia at its tenth session held in Riyadh on 04/04/1397 e prohibition of all types of insurance.And after the study is adequate and circulation in the opinion, the Board decided by majority: the prohibition on insurance of all kinds, whether for oneself, or merchandise, or other funds.
As the council has determined unanimously to approve the decision of the Council of Senior Scholars of the passport instead of the cooperative insurance commercial insurance Muharram, and mentioned him earlier, and was entrusted with drafting the resolution to the special committee.Report of the Committee charged with preparing a decision the Academy's Council on Insurance:Upon the decision of the Academy's Council adopted a hearing on Wednesday, 14 Shaaban 1398 AH containing the assignment of each of Eminence Sheikh / Abdul Aziz bin Baz and Sheikh / Mohamed Mahmoud El Sawaf, Sheikh / Mohammed bin Abdullah the way the formulation of a decision the Academy's Council on the insurance of various kinds and forms.Accordingly, she had attended the Committee referred to it and after deliberation approved the following:Praise be to God, prayer and peace upon the Messenger of God and his family and After:The Islamic Fiqh Academy in its first session held on 10 Shaaban 1398 AH in Makkah at the Muslim World League had considered the issue of insurance of all kinds, yet look at much of what scholars have written about it, and after See also the decision of the Council of Senior Scholars in the Kingdom Saudi Arabia at its tenth session in Riyadh on 04/04/1397 H. Resolution No. (55) of the prohibition of commercial insurance types.After thorough study and handling of the view that the Fiqh Council decided unanimously except Sheikh / Mustafa blue prohibition of commercial insurance of all kinds, whether for oneself, or merchandise, or other evidence of the following:I:Held commercial insurance contracts offsets the financial potential include ambiguity obscene, because the trustee can not know how much time the contract gives, or takes, may pay a share, or in two installments, then disaster struck, he deserves the commitment made by the insured, the disaster may not fall at all, he pays all the premiums, and not take anything, as well as the insured is unable to determine what gives and takes for each individual contract, has stated in a saheeh hadeeth from the Prophet peace be upon him forbidding the sale of ambiguity.II:A commercial insurance policy is a form of gambling because it is a risk in the financial trade-offs, and pays no felony or caused by, and the sheep at no cost, or for non-equivalent, the trustee may pay a share of the insurance, then an incident occurs, each insured Vigrm the amount of insurance , has not located the danger, however, take-insured insurance premiums for nothing, and if persisted in which ignorance was involve gambling, and entered into a general prohibition on gambling in the verse: (O ye who believe, but the wine and gambling, and monuments and an abomination of Satan, avoid, that ye may prosper) verse and the next.III:A commercial insurance policy includes the Lord thanks and sciatica, the company E. The paid to the fiduciary, or his heirs, or the beneficiary more than pay money to them, is riba preferred, and the insurer pays for the customer some time after, so the Lord, nasa, and if the company pays the customer what he paid it is riba nasa only, and Muharram both text and consensus.IV:Held commercial insurance bet is forbidden, because both of them is unknown, ambiguity and a gamble, not permitted Shara bet only what the victory of Islam, and the emergence propagates argument and spear, The Prophet peace be upon him license allowing betting in three saying peace be upon him: " not previously only in camel or horse, or get "and not insurance, it does not like it was a taboo.V:Commercial insurance contract the taking of other people's property without charge, and taking money for nothing in the contracts prohibited commercial trade-offs, for its entry in the general prohibition in the verse: (O ye who believe, do not consume your property among yourselves unjustly except it be a trade amongst you).VI:In the contract of commercial insurance obligation, including not required legally, the insurer does not happen the danger of it, did not cause the damage, but was it merely a contract with the trustee to ensure the risk to estimate the incident compared to the amount paid by the insurer, and insurer does not do anything for the customer was forbidden.With regard to what was understood Alambihon for commercial insurance at all, or, in some types, the answer is as follows:1 / remediation inference is incorrect, the interests in the Islamic Sharia three sections:Section has Shar as it is an argument.And the Department was silent about Islam has never known him to cancel the interest is not considered sent, and this place hard-working diligence.The third section is seen al-Shara to rescind it.And commercial insurance contracts where ignorance, ambiguity, gambling, usury, which was seen to rescind the law by corrupting the predominance on the side of interest.2 / is permitted, the original evidence is not suitable here, because commercial insurance contracts has evidence to contradict the evidence of the Qur'aan and Sunnah.The original work unconditionally not permissible by the carrier, has been found by the hero of reasoning.3 / "Necessity knows no law" is not valid reasoning here is, what God permitted ways to make more good things exponentially depriving them, there is no need for considering what legitimately refer to our inviolable law of insurance.4 / is not correct to infer custom, the custom is not evidence legislation provisions, but built upon in the application of the provisions and to understand the meaning of words Texts, and expressions of people in their faith and Tdaaehm and news and the rest of what is needed to determine the intended actions and words, do not influence him in show ordered and had intended to, evidence has shown a clear indication to prevent the insurance is not as with it.5 / reasoning that the commercial insurance contracts are contracts of speculation, or the meaning is not true, the speculation in the capital did not come out for the king of the owner, and the customer pays to the insurance contract out of his property to the king of the company as required by the insurance system, and that speculative capital deserves the heirs of the owner at his death, and insurance may qualify for survivor's system the amount of insurance, even if did not pay their inherited only a single premium, and may not deserve anything if you make the beneficiary only the trustee and his successors, and profit in the speculation will be between the two percentages other than insurance and earned capital and the loss of the company, and not to the customer only the amount of insurance, or an unspecified amount.6 / measurement of insurance contracts on the loyalty of loyalty when you say it is not true, it is the measure with a difference, and differences between them is that insurance contracts aimed at profit tinged Balgrr and gambling, obscene ignorance, other than holding the loyalty of the government, intended as the first in which fraternity P j Islam and Altnasser, and cooperation in adversity and prosperity, and other conditions, and be of financial gain, intended to Baltba.7 / measurement of a commercial insurance policy on a promise binding when you say it is not valid, because the measure with a difference, and differences, that the promise of a loan, or loan, or bear the loss, for example, the door of known pure, was fulfilled a duty, or of morals other than contracts insurance, they are motivated commercial netting material profit, which is not unforgivable unforgivable in donations from ignorance and ambiguity.8 / measurement of commercial insurance contracts to ensure that the unknown, and ensure that not to be measured is incorrect because the measure with a difference, too, and the differences that the guarantee type of donation is intended to treat pure other than insurance, it held a netting trading is intended to first loss of the material, the consequent unknown, he continued to unintentional, and the provisions do not take into account the origin of an affiliate as long as it is intended.9 / measurement of commercial insurance contracts to ensure that the risk of the road is not correct to measure it with a difference as stated in the evidence before him.10 / measurement of insurance contracts trade on the retirement system is incorrect, it is the measure with a difference, too, because what is given out of retirement right committed by the Crown, but over as responsible for his flock, and took into account in the exchange is done by the employee of service of the nation, and the development of a system which took into account the interest of the people closest to the employee, and looked at the perceptions of the need for them, no system to retire from the door offsets financial relations between the state and its employees, and this is not the semi between him and the insurance, the contracts offsets the financial business that are intended to exploit the companies Mstoemien, loss of them is illegal .Because what is given in the case of retirement is really committed by the governments responsible for her flock, and their disposal for those who served the nation known for efficiency, cooperation and collaboration with the penalty physically, and thought and a lot of spare parts for the advancement of her nation.11 / measurement system of commercial insurance and contracts in the system of rational is not valid, the measure with a difference, and the differences that the basic principle to bear the rational for the friendly error and semi-premeditated between them and the deadly error, or semi-mayors of the uterus and kinship, which calls for the victory, communication and cooperation and the provision of well-known even without charge, and contracts for commercial insurance exploitative trade-offs based on purely financial has not been to a passion of charity, and concerns known onion.12 / measurement of insurance contracts, commercial contracts Ahara SSH is not true, because the measure with a difference, too.It is the differences that security is not subject to the contract on the issues, but was replaced in insurance premiums and the amount of insurance, and in taxi guard and the work of the guard, and security and serves a result, only the goalkeeper deserved to fare when the loss of most favored.13 / measurement of insurance on deposit is not valid because the measure with a difference, too, the taxi in depositing compensated for by the Secretary to save something in possession of the surroundings other than insurance, what the customer pays is not matched by action of the insured, and return to the trustee a benefit but is to ensure the security and peace of mind, Awad and the requirement for a warranty is not valid, it is a spoiler for the Decade and to make the amount of insurance premiums in an interview commercial netting was made where the amount of insurance, or his time, differed in the contract of deposit paid.14 / measurement of insurance on the known issue of wholesale fine linen with itchy is not valid. The difference between them is that measured by the insurance cooperative, cooperation and measured purely commercial insurance business trade-offs which is not true measurement.As the council has determined unanimously to approve the decision of the Council of Senior Scholars in Saudi Arabia, No. (51) dated 4/4/1397 AH passport insurance cooperative, rather than username and Maine commercial Muharram, and the above-mentioned for the following evidence.I:That the cooperative insurance contracts donation intended authenticity of cooperation in the fragmentation of the dangers, and to participate in bearing the responsibility when it is disaster, and through the contribution of persons with amounts of money allocated to compensate for the fall ill, damage, Fjmap cooperative insurance do not target the trade, and profit from the funds of others, but mean the distribution of risks between them and cooperate to withstand damage.II:The absence of cooperative insurance of both types of usury: usury credit, and Lord sciatica, no contracts shareholders of usury, nor take advantage of what the collection of premiums in riba-based transactions.III:It does not harm the ignorance of the shareholders in the cooperative insurance determine what is due them from the benefit, because they are donors, there is no risk of ambiguity does not gamble other than commercial insurance, it is a financial contract netting business.IV:By a group of shareholders, or representing an investment of premiums collected for the purpose for which such cooperation was established, whether to do a donation, or for a fee.The Board felt that the insurance cooperative in the form of cooperative insurance company mixed for the following reasons:First:Commitment to the economic thought of a Muslim who leaves the responsibility of individuals to do various economic projects, nor is the state only as a complement to the inability of individuals to do, and as the role of a router and a sergeant to ensure the success of these projects and the safety of its operations.Second:Commitment to collaborative thought insurance by which the project collaborators, riding a whole in terms of runs, and where the executive branch, responsible for project management.Third:Training of parents to direct the cooperative insurance and the creation of individual initiatives and benefit from motives of personal, there is no doubt that the participation of parents in the administration make them more cautious and vigilant to avoid a risk that they are paying combined cost of compensation which yields thus their interest in the success of cooperative insurance, since risk aversion is due them
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