1. Social Insurance
Social insurance is allowed with conditions as follows:
1.1. Social insurance is not included mu'awadlah contract, but is syirkah ta'awuniyah.
1.2. Organized by the Government. So if there is loss borne by the Government, and if there have been returned to the interests of the community.
2. Insurance losses, allowed to meet with the requirement if the terms are as follows:
2.1. If insurance losses are the requirements for objects that become bank collateral.
2.2. If insurance losses can not be avoided, because the related provisions by the Government, such as insurance for goods in the import and export.
3. Insurance law forbidden except when fulfilling the following conditions:
3.1. When life insurance is the element of saving (savings).
3.2. At the time the cash premium, the Insured beniat to lay there on the insurer (insurance company).
3.3. The underwriter bemiat save money belonging to the Insured savings in ways that justified / Syariat Permitted by Islam.
3.4. If before the maturity date has been agreed between the Insured and the bear, as has been mentioned in the policy (letter of agreement). that require the insurer is (the purpose of emergency) savings, the Insured can take or mcnarik kemballi amount of money from the deposit insurer and the insurer is obliged to submit the amount of money to him.
3.5. When at a party when the Insured can not be forced to pay a premium, then:
3.5.1. Premium money is debt that can be by the Insured at the time-time premium payment of money the next.
3.5.2. Relations between the Insured and the insurer is declared not to drop out.
3.5.3. Savings does not belong to the Insured stated scorched by the insurer.
3.5.4. Before maturity when the Insured dies, the heirs are entitled to take a number of money saving, while the insurer is obliged to return some money.
4. The musyawirin support and approve the establishment of Islamic Insurance.
5. Before the achievement of common goals terwajud Insurance Islamic system of insurance that should have this fixed now with the elements that are, so that the guidance does not conflict with the teachings of Islam.
Written by hafidzi
Social insurance is allowed with conditions as follows:
1.1. Social insurance is not included mu'awadlah contract, but is syirkah ta'awuniyah.
1.2. Organized by the Government. So if there is loss borne by the Government, and if there have been returned to the interests of the community.
2. Insurance losses, allowed to meet with the requirement if the terms are as follows:
2.1. If insurance losses are the requirements for objects that become bank collateral.
2.2. If insurance losses can not be avoided, because the related provisions by the Government, such as insurance for goods in the import and export.
3. Insurance law forbidden except when fulfilling the following conditions:
3.1. When life insurance is the element of saving (savings).
3.2. At the time the cash premium, the Insured beniat to lay there on the insurer (insurance company).
3.3. The underwriter bemiat save money belonging to the Insured savings in ways that justified / Syariat Permitted by Islam.
3.4. If before the maturity date has been agreed between the Insured and the bear, as has been mentioned in the policy (letter of agreement). that require the insurer is (the purpose of emergency) savings, the Insured can take or mcnarik kemballi amount of money from the deposit insurer and the insurer is obliged to submit the amount of money to him.
3.5. When at a party when the Insured can not be forced to pay a premium, then:
3.5.1. Premium money is debt that can be by the Insured at the time-time premium payment of money the next.
3.5.2. Relations between the Insured and the insurer is declared not to drop out.
3.5.3. Savings does not belong to the Insured stated scorched by the insurer.
3.5.4. Before maturity when the Insured dies, the heirs are entitled to take a number of money saving, while the insurer is obliged to return some money.
4. The musyawirin support and approve the establishment of Islamic Insurance.
5. Before the achievement of common goals terwajud Insurance Islamic system of insurance that should have this fixed now with the elements that are, so that the guidance does not conflict with the teachings of Islam.
Written by hafidzi
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