About Sharia Insurance You Should Know [Complete]
To protect yourself from bad risks that may occur in the future, many people prefer buying insurance as a way out. One of the many people select insurance today is insurance based on the Sharia.
In contrast to insurers generally, according to the National Council of Sharia, Sharia insurance is a mutual effort to protect and help among a number of people in which it is carried out with an investment in the form of asset that will given to a particular risk through a contract (the contract) in accordance the principles of Shariah.
Generally in the role of Sharia insurance companies is just as the place of management of the operation and also investment funds received from clients ' insurance.
Types Of Islamic Insurance
Unlike regular insurance, in Sharia insurance there are two types of insurance contract (contract) has been different. The first is the Akkadian tabarru ' where these types are gifts and not comersial. The second type is the tijarah or tijari ' which have the nature of matter and the commercial.
On participants ' tabarru ' contract insurance would provide funds that will be used to help other participants who have experienced a disaster. That's why the contract is called a commercial not because the participants would mutually please help and funds that are given as alms.
For the Akkadian tijarah, almost the same with insurance in General, also aims for profit. Where the principles of syariah insurance in this contract are the participants should meet the three things are: payment amount should be clear, clear payment time, and objects made of the grants is also clear.
The Principles Of Syariah Insurance
In addition to having two different types of syariah insurance basically also has a principle that is the basis of the Sharia, such as:
The Running Principle Of Justice
Not only fixated on profits, on Sharia insurance both parties the company or the customer shall apply the principle of fairness. It is important that both parties could do justice over the rights and responsibilities of each. In addition the principle of fairness is also important in the Islamic insurance run so that there is not any party who feels aggrieved.
The Running Principle Of Unity
Many people just want to get protection while following the insurance. But when it decided to follow Sharia insurance mind as it seems you have to get rid of.
In fact, using the principles of syariah insurance unity where the customer does not run it in should be thought to benefit but rather aims to please help each other. So not only expects the assistance came when misfortune befalls You, but each customer is expected to be help each other.
Principle Please Help and cooperation
Aligned with the previous points, Sharia insurance expects each of the policyholders have a sense of solidarity with one another. That is, when one holder get accident/loss, it is shared so that dependents are expected to mutually help each other.
There Is No Usury
The principle that became the hallmark of Islamic insurance is not justified the existence of usury in the running of the business. That meant in this case are all dues/funds/premium given the customer the company is obliged to use for investments in the appropriate field. Should not be used to run the investment that is usury.
Principled Avoid Betting
Because it aims for money then the conventional insurance system will use the "bet" in the running of the investment. But not so with Sharia insurance where an uncertain betting system is not allowed. To avoid this, the system used is a system of various risks to the entire nor any client company.
Away From The Practice Of Bribes Bribe
As already explained above, the syariah insurance apply the justice system so that the lucrative practice of one party alone is not justified. The practice in question is give/receive bribes. Rather than seeking his own advantage, Sharia insurance more emphasis on advantages for all parties.