I call on every Muslim who has pride in his religion and whose hopes are focused on Allah and the Last Day to fear Allah and to avoid all kinds of insurance, getting any medical or health insurance, etc, no matter how attractive their proponents make them, for they are undoubtedly forbidden. It is also not permissible for the Muslim to get involved with insurance companies by working in administration or otherwise, because working in them comes under the heading of cooperating in sin and transgression, and Allah forbids that as He says: “but do not help one another in sin and transgression. And fear Allah. Verily, Allah is Severe in punishment” (al-Maa’idah 5:2). If your employment in any company requires you to accept insurance and you can not avoid it by any means then resign from your job, you should firmly believe that all means of livelihood are in the Hands of Allah and no one can give or reduce that which Allah has ordained for you. Allah Says: "And He will provide him from (sources) he never could imagine. And whosoever puts his trust in Allah, then He will suffice him. Verily, Allah will accomplish his purpose. Indeed Allah has set a measure for all things." (At-Talaaq 65: 3)
In this manner he will protect his religion and his wealth, and he will be blessed with security from the Owner of security, may He be exalted. Indeed Islam in no way permits any type or kind of insurance, insurance of all manner is Haraam and there is no difference of opinion amongst the Fuqaha, the ulamaa and those who say otherwise have diverted from that which Allah forbids to that which shaytaan wants. Insurance is an immense loss for the nation, and there is no evidence or excuse to be found in the actions of the kuffaar who have lost the ties of kinship and friendship and are therefore forced to resort to insurance, which they hate as much as they hate death.
It is a shame that some people are deceived by the ways in which the insurance companies make insurance attractive and confuse them by calling it “co-operative” or “mutual support” or “Islamic”, or other names which do not change the unjust nature of insurance in the slightest.The insurance companies’ claim that the ‘ulamaa’ have issued fatwaas stating that so-called “co-operative insurance” is halaal, is a lie. The reason for this confusion is that some insurance companies approached the ‘ulamaa’ with a deceitful set-up which has nothing to do with any kind of insurance, but they said that it was a kind of insurance which they called “co-operative insurance” (to make it sound attractive and to confuse the people). They said that it was purely in the nature of a donation, and that it was a kind of the co-operation enjoined by Allah in the ayah: “Help you one another in Al-Birr and At-Taqwa (virtue, righteousness and piety)…” (al-Maa’idah 5:2), and that the aim was to co-operate in alleviating the overwhelming disasters that may befall people. But in fact what they called co-operative insurance was just like any other kind of insurance; the only difference was in the way in which it was set up, not in its essential nature. It was far from being any kind of simple donation or co-operation in righteousness and piety; in fact it is a kind of co-operation in sin and transgression. It was not aimed at helping to relieve the distress of calamities, but at depriving people of their wealth by unjust means, which is absolutely haraam, as are other kinds of insurance. Hence what they proposed to the ‘ulamaa’ is not even insurance at all.
With regard to the claim made by some, that part of the premium (money paid to the insurer) is returned, this does not change anything and does not free insurance from the taint of ribaa, gambling, transactions based on uncertainty, unjust consumption of people’s wealth and going against the principle of trusting in Allah (tawakkul), and other kinds of haraam actions. Insurance is deceit and confusion.
Mentioned now are only some of the violations of sharee’ah which insurance is essentially based upon. There are numerous other violations which we do not have room to mention here, and there is no need to do so, because just one of the violations which we will mention is sufficient to make insurance one of the things which is most prohibited in the sharee’ah of Allah.
Insurance contracts include both types of riba, riba al-fadl and riba al-nasa’. If the company pays the customer or his heirs or the beneficiary more than the sum that he paid, then this is riba fadl; and usually the insurer pays this money to the customer some time after the contract, and this is riba nasa’. If the company pays the customer only what he paid, this is riba nasa’ only. Both are haraam according to the texts and scholarly consensus.
1) All kinds of commercial insurance are clearly and undoubtedly ribaa (interest/usury). Insurance is the sale of money for money, of a greater or lesser amount, with a delay in one of the payments. It involves riba al-fadl (interest-based transaction) and riba al-nas’ (interest to be charged if payment is delayed beyond the due date), because the insurance companies take people’s money and promise to pay them more or less money when a specific accident against which insurance has been taken out happens. This is riba, and riba is forbidden in the Qur’aan, in many ayaat.
2) All kinds of commercial insurance are based on nothing but gambling which is haraam according to the Qur’aan:
“O you who believe! Intoxicants (all kinds of alcoholic drinks), and gambling, and Al-Ansaab (stone altars for sacrifice to idols etc.) and Al-Azlaam (arrows for seeking luck or decision) are an abomination of Shaytaan’s (Satan’s) handiwork. So avoid (strictly all) that (abomination) in order that you may be successful” (al-Maa’idah 5:90).
All kinds of insurance are kinds of playing with chances. They tell you, Pay this much money, then if this happens to you we will give you this much. This is pure gambling. Insisting on differentiating between insurance and gambling is pure stubbornness that is unacceptable to any sound mind. The insurance companies themselves admit that insurance is gambling.
3) All kinds of insurance are forms of uncertainty, and transactions which involve uncertainty are forbidden according to many saheeh ahaadeeth, such as the hadeeth narrated by Abu Hurayrah (ra):
“The Messenger of Allah (pbuh) forbade transactions determined by throwing a stone and transactions which involved some uncertainty.” (Narrated by Muslim).
[“Transactions determined by throwing a stone” – this was a type of transaction that was prevalent in the markets of pre-Islamic Arabia, whereby a stone was thrown by either the buyer or the seller, and whatever it touched, its transaction became binding. “Transactions which involved some uncertainty” – is a transaction in which there is no guarantee that the seller can deliver the goods for which he receives payment. Footnotes from the translation of Saheeh Muslim].
All forms of commercial insurance are based on uncertainty of the most extreme kind. Insurance companies and those who sell insurance refuse to insure cases except where there is clear uncertainty in whether or not the condition being insured against will happen or not. In other words, the condition being insured against must have a possibility of happening or not happening (as opposed to, for example, someone who has a pre-existing condition, such as a person who is on death row applying for life insurance--translator.) Moreover, this transaction involves something uncertain, which is when an accident will happen and the extent of the damage caused. Hence insurance combines three kinds of extreme uncertainty.
4) All kinds of commercial insurance consume people’s wealth unjustly, which is haraam according to the Qur’aan:
“O you who believe! Eat not up your property among yourselves unjustly” (al-Nisaa’ 4:29).
All forms of commercial insurance are fraudulent transactions aimed at consuming people’s wealth unjustly. The precise statistics calculated by one of the German experts state that what people get back of what has been taken from them is no more than 2.9%.
2 comments:
As salamu alaykum wa rahmatullah
May Allah preserve you all, here in Australia for a car to be road worthy and able to drive on the road a green slip is needed which is: “A CTP insurance policy that predominantly protects the driver of the motor vehicle from liability if they were to injure or cause the death of a person or people in a motor accident.” Now would that come under necessity and one is able to do so to drive or one must have patience and leave of doing so??
Waalaikum Assalam wa Rahmatullah wa Barakatuh,
In general this depends on person to person and their situation in a country. In some countries buses, trains, taxis and even bikes and motorbikes rides are very common and affordable and so one can use those services if possible and available instead of going through any process that involves haraam insurance however in some countries yes all these services are extremely expensive and so without a means a transport its impossible to get alot of day to day things done and so some scholars do put it under the ruling of necessity and since a country enforces such haraam law upon its citizen and if one finds no way to avoid it then it comes under the heading of being under duress and so one is forced to take such insurances due to the necessity it requires for living, etc. Though one should try and find their best means to do hijrah from such countries insha’Allah if possible where atleast such haraam laws aren’t enforced upon their citizens.
The rest indeed Allah alone knows best.
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