Insurance
706 questions
Is the questioner sinful as a result of her cooperation in photographing her personal card for her brother, who works in a company that deals with insurance, knowing that this may be considered cooperation in sin and aggression, and that insurance is not permissible, and what is the extent of sin if the insurance is mandatory?
What is the permissible financial amount that a brother may take from the insurance company after his car is involved in an accident, knowing that he pays compulsory insurance and is obligated to pay an annual road tax, and that he sold his car for less than its value?
Is it permissible to deal with an insurance company to which the syndicate and employees pay annual premiums in exchange for compensation for death or total or partial disability, knowing that nothing is disbursed to the employee if his service ends without injury?
What is the ruling on health insurance where the subscriber pays a specific amount to the insurance company for one year, and the company covers his treatment regardless of the costs and in any hospital he chooses?
What is the ruling on taking out a loan to buy a car from a company that requires life insurance, with the company being the sole beneficiary, knowing that this loan is the only means to buy the car, and that a friend wishes to obtain a similar loan to complete the construction of his house?
Is it permissible for residents of America, where healthcare costs are very high, to obtain health insurance out of necessity and need, acting upon the words of Allah Almighty: "But whoever is forced by necessity, neither craving it nor exceeding its [right] limit, there is no sin upon him"?
Is it permissible for medical clinics to create two invoices to inflate the amount in order to cover losses resulting from their dealings with insurance companies that deduct high amounts, and does the physician bear sin for signing the second invoice?
Is it permissible to continue working for the postal service, which involves distributing letters from insurance companies, banks, and investment firms, given that more than 70% of the authority's income comes from usurious increases on savings accounts, while leaving some letters undelivered due to the suspicion of usury?
What is the expiation for insuring goods, knowing its impermissibility beforehand, but forgetting the ruling at the time of insuring? And is it permissible to purchase silver online with it arriving two days later at a foreign post office box?
Is a wife's working for an insurance company, given her inability to leave the job due to her husband's refusal and financial need, and in light of the high cost of living and the futility of her attempts to transfer to departments far from usury, considered a case of necessity (ḍarūrah)?
Is the salary I receive from a private dispensary that deals with insurance companies (such as Arab Shield, Al Sagr Cooperative, and MedGulf), and with human resources that pay half the salary, considered unlawful based on the prohibition of insurance?
Is there an Islamic accountability for employees in a car company if their incentives are partially based on the profits of a department that deals with customers who have Sharia-prohibited car insurance, knowing that this department also deals with customers who do not have insurance?
Is an employee sinful for benefiting from the health insurance provided by the company for its employees and their families, knowing that it is mandatory and not optional?
What is the ruling on working for a telecommunications company that provides services—installation, modification, and maintenance—to usurious banks and insurance companies, whether these services are exclusive to them or shared with other institutions? And what is the ruling on providing an additional software service to colleagues, knowing that some of them provide services to the aforementioned entities? And will I be rewarded for this service?
What is the ruling on an insurance policy with the aforementioned features (a quarter of the amount at two-thirds of the term, half of it at its end, and the full amount upon death, along with participation in profits), if the intention of the questioner is saving, not interest?
Is it permissible to take money from a company in Britain that helps the unemployed, knowing that the request was for an insurance number and that the husband works and spends?
Is selling cars by installment payments, while retaining ownership until the full amount is paid, and insuring them with comprehensive insurance through insurance companies that claim to be cooperative, permissible or impermissible?
Is the social security imposed by the state in exchange for a pension for heirs permissible or forbidden, and what is the difference between it and life or property insurance?
What is the ruling on the money paid by the insurance company to the family of the deceased, knowing that this amount is much greater than what the deceased paid in premiums to the company?
Is it permissible to falsify the driver's identity to benefit from mandatory commercial insurance after a traffic accident caused by a son under the age of 18?
What is the ruling on a lease-to-own contract for a car, which involves fixed monthly payments for three years, with the option to purchase the car at a pre-agreed remaining amount, and the lessee bearing the cost of the car's insurance?
What is the ruling on the fee received by the sworn expert from Riba-based insurance companies?
Is the share of Doha Insurance Company forbidden or permissible?
Is working in technical support for software sold to various entities, such as banks, insurance companies, and institutions that sell tobacco, considered a form of cooperation in sin and aggression?