Insurance
706 questions
Is a 4% difference between the profit rate of savings certificates (13%) and the car installment rate to the showroom (9%) considered usury?
What is the ruling on purchasing durable goods through the "Company's Mutual Aid Fund," which deducts a 5% administrative fee from the price of the commodity, knowing that the fund is financed by employee subscriptions and that the transaction occurs directly between the employee and the merchant?
Is title insurance impermissible, given that it protects the buyer from previous property issues such as unpaid taxes, fraud, or ownership claims from unknown parties?
What is the ruling on keeping a car that was purchased through a lease-to-own system, and is this considered usury, given that the company bought the car after I requested a price quote, and I need the car and cannot afford to buy it with cash, and I will be harmed if I return it?
To what extent does the Takaful insurance system, which relies on a monthly subscription with two components—one a donation for insurance coverage and the other for investment—comply with the provisions of Islamic Sharia?
Is it permissible to buy a house in Britain that requires paying annual fees to an insurance company, which include usurious interest, given that this condition cannot be avoided, and this is done to avoid usurious borrowing to buy the house?
What is the ruling on subscribing to a cancer treatment insurance program at a specialized hospital, where the subscriber pays a specific annual amount in exchange for a defined treatment ceiling, without an intermediary (insurance company or bank) between the subscriber and the hospital?
Is it permissible to obtain health insurance for a sick cat whose owners cannot afford the costs of its treatment?
What should I do with the amount that was returned to my account from the insurance company after I paid the fees online and the insurance appeared as paid with them, and they refused to withdraw the amount?
What is the ruling on buying a house from a company in installments, with the company stipulating the payment of a sum as a bank deposit, the profits of which are spent on site maintenance?
What is the difference between commercial insurance and general maintenance contracts? Is there a precise difference that permits the operation of a maintenance company while prohibiting that of an insurance company? And if the operation of a maintenance company is impermissible, does that mean that all money contributed to this company is unlawful?
Is it permissible for Islamic financial institutions in Britain to sell their share to the client based on the original price, not the market price, in a diminishing Musharakah system, and is it permissible for the client to bear the full cost of maintenance and insurance if they agree to that?
What is the ruling on money taken from an insurance company for car repairs, and what is the ruling on money earned from working with a car whose installments were paid from this money?
What is the ruling on working for a health coverage fund that collects compulsory contributions from employees and their employers to reimburse treatment expenses or cover percentages of surgery and delivery costs according to a specific regulation, while retaining any surplus in the fund?
Is it permissible to benefit from the remaining amount of money from the insurance after repairing the car, or must it be returned to the insurance company?
Does working for a government institution that provides general insurance services, deals with interest-bearing loans, imposes fines for late payment of installments and subscriptions, and invests in both permissible and impermissible matters (such as hotels that serve alcohol and usurious dealings with banks) make earning money from it unlawful?
What is the ruling on offering training programs and courses to insurance companies and usurious banks? And does the ruling differ between general courses and specialized courses?
Is it permissible for me to contract with another health insurance company for a lower amount to benefit from the remaining financial difference, without informing the funding entity?
Is it permissible to give a needy friend, for covering the costs of a surgical operation, health insurance that covers the full cost?
What is the ruling on the condition that stipulates the payment of an insurance sum equivalent to half the examination fee, which is returned to the student if he passes the examination within one year, otherwise it is not returned? And is it permissible to benefit from the refunded money after passing the examination?
What is the ruling on my husband's work in a company that deals with banks and insurance companies, where he provides them with programs and devices for information security?
What is the ruling on life insurance, and is it permissible to purchase a house through a company that requires a protection and savings program suspected of being life insurance?
What is the ruling on changing the insurance company—which paid for the injured party—to a cheaper one, knowing that insurance is mandatory?
Is it permissible to join a labor union that requires the payment of membership fees in exchange for negotiating with the employer in cases of discriminatory or illegal issues?