Warganet – Insurance is a term used to refer to actions, systems or businesses with financial protection (or financial compensation) for the soul, property, health and so on taking replacement from unpredictable events. Payments of premium at a specified period of time instead of guaranteeing protection. (Wikipedia)
The different types of original insurance are haram. Life insurance, loss insurance or general insurance. Insurance has problems because exercise, Mayys (Games) and Gorte (unclear)
Asuransi Haram Adalah
The insurance agreement itself (clear feature).
Jika Asuransi Haram, Apa Gantinya?
Therefore, not all clients can receive claims (because there is no disaster). When he receives an accident or danger, then he may request a request. Although an accident here is uncertain, no one can be aware. Maybe a person gets an accident every year, that he may have been for years that he has not received an accident. This is the Gorori side at the time of the disaster)
Shari’ah insurance uses a contract (tabarru) in other words, please – assistance can be done at any time, should not be forced over time, day, evening, and even one night. And also remember that help is – can help prepare
In securing the Shari’ah, we always teach Allah’s rights what charity is there, because indirectly helped us in the Shari’ah insurance colleagues collected in a Tabarru account container,
We hope that this section will provide benefits, this paper does not intend to condemn anyone, but as a way to exchange information, the truth comes only from Allah swt, the mistakes come from me. Haram. Although the provision of the Shari’ah the products offered, Halal Fatwa took accident from Mui, he still said Haram. Even among my clients, there are people who close politics after listening to the opinion that there is illegal insurance. Why haram? Because the word uustadz they follow, exercise is in security,
Hukum Asuransi Yang Dijadikan Syarat Wajib Dalam Jual Beli Barang Elektronik Di Tokopedia: Perspektif Maslahah Mursalah
This experience also occurs for some of my insurance agents. So this is a common case. Although there is no large number in terms of numbers, it seems that there is a tendency to grow.
Okay, this is a challenge in the work we run. It is not fun if everyone is convinced, when insurance is offered. And every job must be challenged. So it’s normal to answer.
Of course, it is everyone’s right to give insurance for some reason. This paper asks readers to discuss the options that can be obtained. There are people who had secured and then closed politics after hearing an illegal security thought, which means that a discussion was in his mind and so he changed his mind. That is to say, it’s open to inputs, and that’s a good thing. It is not impossible to change his opinion again, right?
This discussion I started with the question: “If insurance is haram, then what? Is there any other way that the insurance function can be replaced as well as?”
Apa Hukum Bekerja Di Perusahaan Asuransi?
What is the insurance function? Namely reduce the financial losses derived from a disaster. Reduce losses without seeking profit. Providing disaster does not prevent and cannot. If the disaster needs to happen, it happens straight. This is part of a fate to be accepted, ready or mandatory. But what deals with the security that derives from disaster is a financial problem, and this is not fate.
Disasters such as illness, disability, and death cannot be prevented or uninsured. Similarly, risks appear on property such as fire, damage and loss. But insurance can reduce the financial problems caused.
In the (individual) micro (individual), disaster or risks are still in the form of possibilities, they can occur or not at a given period.
But in the macro -level (community), these risks are security. Look at the hospital, people are always sick. If you enter the fee route, you will see a street information board that reported the number of accidents and the number of people who died that month. If you live near the mosque, there will be a notice from the speaker who began with the words “Inna Lillahi wa ina Ilihi Rajiu”, for example, there are people who die, and may be constantly every month. The car repair store also stopped, it should always be a car that is repaired daily.
Asuransi Haram? Coba Lihat Dulu…
And in our country, natural disasters often occur every year in different places, whether flooding, landslides, earthquakes, and even tsunamis.
What is the financial solution for people with illness and who needs large tariffs for treatment? What are the financial solutions for people who have a permanent disability so that they lose their work and income? What is the financial solution for the families left by the winners when the children are still young? What is the financial solution for people, whose homes or cars are lost?
If you need a little need, you can still be. But if you need hundreds of millions of billions, do we have them all? Ok we will save. How much can you save? Can check? If you need now, are we ready? Savings take time and discipline to be excellent. The thing needed to achieve is that the disaster cannot be known when it comes and what it protects.
The sale of wealth can be an alternative, with a note that there is an asset that can be sold, whether jewelry, vehicle or home. The question is, are you ready? And don’t cause new problems? For example, if the house was sold, then where would you like to stay?
Asuransi Halal Atau Haram? Ini Dasar Hukumnya!
Loans can be an alternative when a disaster is exposed to it. But is it easy? In good health and for manufacturing purposes it should be borrowed using collateral, what if you are in a sick condition and for consumable purposes? Not to mention the loan name, it must be returned along with the interest. It is most likely that someone should be caught in this state, which wanted to avoid when the insurance was first stopped.
The question is: How effective? How many funds can be collected from voluntary donations? Then we see ourselves, have we put a lot of kindness for the public so that they are ready to provide help immediately when we know that we get a disaster?
There are people who believe, if humanitarian funds such as zakah, inpo, DMS, teagascus, and different types of reconciliation can be optimally collected, people no longer need insurance. Without the role of zakat, input, the whitening of the alms, I think the calculations do not enter. As an indicator: The insurance fund can be 5-15% of a person’s income, and funds are specifically collected to overcome certain disadvantages, even for participants paying their fees. While only 2, 5% humanitarian funds such as zakat, think about the following funds that will be raised with 5% of the revenue or pure wealth of people who can, but these funds are used for various public needs in food vanity Weak, financing people, scholarships for poor people, help people who are because they open work. And not only do people pay, but the whole community enjoyed these funds.
This is the most rational alternative, and the government made some of them. In the case of some basic protection requirements, the government usually ensured that the BPJ and local governments have a budget to help sick citizens, especially the poor. Moreover, the state also reserved funds to restore infrastructure damage due to natural disasters. But after that, are we sure that the government is able to fund all in this country? BPJS Health is always a nombok every year with trillions of rupiah. Can the government provide normal income for all those with paralysis and have a negative impact? Can the government finance the whole life and education of their children?
Jodi Ariansyah3318001 Ps6a (ppt Asuransi Syariah)
Some believe, and it is written in the Scriptures, with Tawakal, that God fulfills all our needs. But remember that the true -tawakal, the Prophet, “at first tied to your country” as the first attempt. Moreover, the level of confidence in the community is different, is this possible view that affects the whole community? What do you think there is a state leader who says: “From now on, people should no longer be hit by BPJS contributions. On the contrary, let us pray and trust us from God, then God will perform them All of our needs.
There is a belief that we avoid a catastrophe with a lot of charity. So for the people who offer insurance, they say, “How much is the premium? I’ll give alms every month as big as Primi.” Will alms avoid catastrophe? Okay okay to believe so. But he still has to be humble to understand, while the people who are believed to try by God. Moreover, the name of individual beliefs cannot be applied to society whose religious levels are different. In the meantime, security itself is essentially alms, or more accurately alms, among other participants. If there are participants affected by the disaster, it is assisted with the funds received from the other participants’ alms (aka premium). Insurance is alms that are official and related to the agreements.
With all the shortcomings of existing alternatives, which are not specifically intended to overcome the influence of disasters, we still need insurance. Insurance is a fundraising mechanism with specific objectives to help people affected by disaster. People affected by a catastrophe, in physical, psychological terms, certainly have different loads to finance. Insurance helps with money. If finances are helped, we hope that the psychological and physical burden is easier.
In the macro, the load that should also have insurance decreases. (*)
