Health insurance law

Hesitated to health insurance law?

Many will doubt-come health insurance law, including
health insurance law

health insurance law

is associated with its illegitimate or not if we want to register this health insurance. This is reasonable because so much information maze diluaran wrote there about the health insurance law.

Some things about the health insurance law is my review of insurance law pages on this blog. This page only in addition yg because many want to know more about health insurance laws.

Flexible Health Insurance Law

Summary of health insurance law by Ahmad Sarwat, Lc

In short, should you choose health insurance using sharia system. Because safe from usury and prohibited transactions.

This is true as long as you have the power or authority to choose. But if you are in a position that had no choice but to accept assistance from conventional insurance passively, then the law must remain flexible.

For example, when we bought plane tickets, are automatically on the ticket price includes the cost of insurance. And the health insurance law is certainly not a permissible Islamic insurance, but the ruling conventional insurance unlawful said by many scholars. But since you have no other choice except indirectly become 'participants' conventional insurance, the law should not forbid us to fly.


Health insurance law that sharia halal

source: prudential.com

Bother to think about whether the health insurance law that contains elements of unlawful practice or not, should we choose only the insurance companies actually claim to have used the Islamic system.

Islamic system of insurance is in essence a fundamental difference with the conventional, among others:

1. Principles of sharia insurance covenant is takafuli (mutual assistance). Where the customer is one who helps another customer who was having trouble. Whereas conventional insurance covenant is tadabuli (the sale of the company's customers).
2. Funds collected from insurance company customers sharia (premium) are invested with a system based on sharia for the results (mudaraba). While in conventional insurance, investment funds in any sector with interest system.
3. Premiums collected still treated as customer property fund. Company only as a holder of trust to manage it. While in conventional insurance, the premiums become the property of the company and the company who has full authority to establish the fund management policies.
4. If there is disaster-affected participants, customer claims for payment of funds taken from accounts tabarru (social funds) all participants who had diikhlaskan for the purposes of mutual help. While in conventional insurance, the claim payment funds taken from the company's accounts.
5. Investment profits divided among the customers as the owner of a company funds as managers, with the principle of results. While in conventional insurance, full benefits company belongs. If there is no claim, customers do not get anything.
6. The existence of Sharia Supervisory Board in Islamic insurance company which is a must. This Council role in overseeing the management, products and investment policies so always in line with Islamic law. As in conventional insurance, then it does not get attention.

Hopefully this explanation useful for you