Insurance
706 questions
What is the ruling on lease-to-own contracts in the UK, where the lessee is responsible for paying the car insurance premium against accidents or fire, and does this render the contract void, knowing that the lessor bears the cost of non-operational faults?
What is the ruling of Islamic law concerning mandatory car accident insurance, what is the ruling concerning the insured party who is forced to conclude the contract, what is the ruling concerning the insurer, and what is the ruling concerning the injured party receiving compensation from the insurance company?
Is it permissible to accept compensation from the insurance company as blood money for the deceased, and to take money to compensate the affected children, and the amount designated for repairing the car?
Is using my father's credit balance at a pharmacy, which resulted from insurance-covered treatment invoices, to obtain medications and medical supplies not mentioned in those invoices considered a violation of religious law, especially since I withdraw my own medications from this account with my father's knowledge?
Is the sister obliged to return the money to her brother, which he paid for their father's treatment, knowing that she spent a portion of the amount reimbursed by health insurance on her parents, and currently has no income, while the brother is well-off and demanding his money?
What is the religious ruling on health insurance that is based on paying premiums to an insurance company in exchange for it covering the costs of treatment?
Is it permissible to own shares in a conventional, non-Islamic insurance company?
Is audibly invoking blessings upon the Prophet — may God's prayers and peace be upon him — contrary to the Sunnah?
Is it permissible to take compensation from the owner of the car that caused the accident resulting in the death of my brother and his friend, knowing that the driver is a fugitive and his financial situation is difficult, and we have already received compensation from the insurance company?
Is the doctor burdened with the sin of changing the "operation code" for insurance patients, a practice carried out by his colleagues in the clinic, or is his sin limited to what he personally did by changing the code once? And what is the ruling on his salary?
Is it permissible to purchase a car through the bank using an Ijara-Muntahia-Bil-Tamleek (lease-to-own) system, with easy installments and interest rates reaching 2%?
Is it permissible to accept a deferred commission from a colleague in return for following up with the company, or is it considered a charity that is impermissible to accept?
What is the ruling on purchasing a car through a bank, if the contract is a lease ending with ownership, and the bank buys the car at the customer's request, and the bank bears the car's insurance and chooses the insurance company, and there is no condition for increasing the amount in case of delayed payment, and is it a condition that the bank be Islamic?
Is it permissible for me to falsely claim that I was driving the car at the time of the accident to enable the deceased driver's family to receive the insurance money? And can I give the money that the company took as compensation for goods sold before the accident to the deceased's family as charity?
Is my work in preparing project budgets that include calculating usurious interest for banks, bank letter of credit commissions, commercial insurance costs, and bribes under the name of commissions and facilities, considered aiding in usury and bribery, knowing that my work ends upon submitting the budget and I do not participate in executing the project?
What is the Sharia ruling on subscribing to optional health and social insurance, for which 2% of the salary is deducted monthly, and which entails medical and tourism benefits and financial assistance, knowing that activating this insurance requires the deduction of a compulsory symbolic amount (150 Algerian Dinars) specifically for life insurance, and is it permissible to allow it to be deducted while ensuring that family members do not benefit from the life insurance?
What is the ruling on purchasing the remaining years of service to receive the full pension?
To what extent is the optional insurance legitimate, which consists of paying a monthly sum for 20 years, then receiving a larger monthly pension upon retirement until the age of 70, with heirs continuing to benefit after death, and the worker enjoying social coverage, and the collected amounts exceeding the paid amounts?
To what extent is dealing with Nile Family Takaful Insurance Company permissible, knowing that it is a company that applies Islamic Sharia in its dealings, is monitored by a Sharia supervisory board from Al-Azhar Al-Sharif, and adopts an investment and takaful accounting system based on Mudarabah and donation, dividing profits 80% for the participant and 20% for the company?
How can a person absolve himself of 40 dinars he fraudulently took from medical insurance provided by his workplace, and is it permissible to give this amount to his mother to absolve himself?
Is it permissible for an employee to purchase anti-break contact lenses for 366 Saudi Riyals, knowing that regular lenses cost 80 Saudi Riyals, and submit the invoice to the insurance company without mentioning that they are anti-break, in exchange for refraining from purchasing lenses for the next four years?
Is lease-to-own considered Riba (usury), what is the reason for its prohibition, what must one do if they regret entering into such a contract, and should they continue payments or stop, given the existence of penalty clauses in the agreement?
What is the legal ruling in Islamic Sharia concerning the accidental killing of a child in a car accident, where the driver was operating the car without a license, and another person holding a driving license claims to be the driver in order to pay the blood money from the insurance?
Is the blood money considered valid if the 'Aqila delayed its payment, and the person himself paid it, knowing that half of the amount was a debt he borrowed to complete the blood money's due amount?