- 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.
- 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.
- 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.
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.
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