In Islamic law Asunransi

Social insurance allowed by the provisions as follows:

• Social insurance mu'awadlah contract does not include, but are syirkah ta'awuniyah.
• Organized by the Government. So if there ruginya borne by the Government, and if there is to be returned for the interests of the community.

Insurance losses, allowed to meet the requirements when the provisions are as follows:

• If the insurance is a requirement for the objects of the collateral the bank.
• If insurance losses can not be avoided, because by the relevant provisions of the Government, such as insurance for goods imported and exported.

Insurance law forbidden unless fulfill the following conditions:

• If the insurance contains elements of saving (savings).
• At the time the money premium, the insured beniat to save for the party in charge (insurance company).
• The charge bemiat save money savings the insured property in a way that allowed / Permitted by the Islamic Sharia.

If before the maturity that has been agreed between the insured and the bear, as has been mentioned in the policy (agreement). it is the guarantor need (the need of emergency) tabungannva money, the insured party can take mcnarik kemballi or weeks of money from the insurer and the insurer is obliged to give some money to him.

When at a party when the insured can not be forced to pay a premium, then:

• Premium money into the debt that can be insured by the parties during the next premium payment.
• Relations between the insured and the insurer is declared not end.
• Savings are not the property of the insured stated scorched by the underwriter.
• If before the maturity of the insured dies, the beneficiary has the right amount of money to take weeks, the charge is obliged to return some money.

Conclusion : The musyawirin support and approve the establishment of Islamic Insurance.