Insurance
706 questions
What is the ruling on defrauding a health insurance company to gain a benefit for another person, such as purchasing prescription glasses or receiving treatment in the name of the insured, or buying sunglasses and registering them as prescription glasses to have their cost covered by insurance?
Is it permissible to take the life insurance payment from the university where the father used to work, given that the university insured his life and not he himself, and that the family is in dire need of these funds?
Is assisting an employee in an educational institution with filling out student accident documents, within the framework of a school medical cooperative system that deducts annual fees from students for their treatment in public hospitals, considered forbidden insurance, and does it necessitate abstaining from this task to avoid sin?
Is it permissible to subscribe to a pension fund to receive a monthly salary upon inability to work?
Is it permissible to deal with Zitouna Islamic Bank in Tunisia to purchase a car via Murabaha, with the signing of a contract that includes paying life insurance and paying an additional amount upon delay in installment payment for the negligent, not for the one facing hardship?
Is the money expected to be received from an insurance company as a result of exaggerating physical injuries considered compensation for psychological damage, and is this money permissible or forbidden?
Is my marriage to a woman whose father works for an insurance company, and my eating and drinking at my in-laws' house, unlawful?
What is the ruling on the following questions concerning lease-to-own contracts (ijarah muntahiyah bi al-tamleek): 1. What is the ruling on demanding the lessee pay 500 riyals to the insurance company for repairing the car insured by the lessor when an accident occurs? 2. What is the ruling on increasing the final payment amount from 20,000 riyals to 30,000 riyals when it is to be paid in installments over an additional year? 3. What is the ruling on demanding a sum of money from the lessee when returning the car before the end of the contract period, along with waiving the down payment? 4. What is the ruling on some companies demanding 10% of the value of spare parts, and 1500 riyals when wishing to repair the car at the dealership, or 750 riyals when wishing to repair it at another workshop other than the dealership, upon the occurrence of an accident? And do these prohibited conditions invalidate the contract and render it void, or does the contract not become فسد (corrupted) or void thereby?
Is it Islamically permissible for a national institution to lend its employees an amount of 200,0 for building a house, to be repaid in monthly installments of 5,0, with the borrower committing to pay 30 as a contribution towards operational expenses and 50 for insurance, making the total monthly payment 5,80?
Does the loan debt fall away from the deceased if the bank writes it off based on the insurance it made with insurance companies?
Is it permissible to subscribe to health insurance – which is originally forbidden – for pregnancy and childbirth if their costs become excessively high and unbearable except with insurance? And in this case, is what is paid for the insurance considered to be in exchange for it or not?
Am I permitted to continue photocopying documents related to unlawful bank loans or life insurance, knowing that refraining from doing so may result in violations and financial penalties?
What should we do, given that the father insured the family car with an unlawful insurance, and he was unaware of it? Is it obligatory to terminate the insurance even if it leads to financial loss, especially since the car is a source of livelihood for the family?
What is the ruling on passengers taking compensation money from a commercial insurance company, knowing that they were not harmed and that they were the ones who requested the money?
Is it permissible to subscribe to the health insurance system, which the company provides to its employees through a specialized company, in the event that the employee is unable to pay the costs of any accident he may be exposed to?
Is the money received from a car insurance company for repairing a damaged car permissible (halal) or forbidden (haram)?
What should a person do whose father and brother work in haram commercial insurance, and he is studying with two years left until he graduates?
Is the Murabaha transaction that takes place between Dar As-Safaa and the client, which includes a profit margin in exchange for services and file costs, considered a sound Islamic transaction, or is it a form of circumvention, especially if the total amount paid to the bank far exceeds the price of the house?
Is it permissible to donate a surplus amount of money allocated from insurance for one's children in order to pay off usury?
Is it permissible to accept free life insurance if the insured's intention and will are for the money to be used after his death solely to pay off his debt, given that there is no one to pay on his behalf, especially with his frequent travels and the presence of young children?
Is the money received as an end-of-service bonus and a monthly pension from a former insurance company—said to have a suspicion of usury (riba)—considered unlawful (haram), and what should he do with it, given that he spent it on his children's marriages and improving his livelihood, and he has no other source of income?
Is covering the news of insurance companies permissible (halal) or forbidden (haram)?
Is it permissible to open a commercial shop that necessitates commercial insurance, which is forbidden due to gharar (excessive uncertainty), if insurance is mandatory in a country like France and cooperative insurance is unavailable? And is this considered one of the necessities of people that permits gharar, taking into account situations such as having another source of income that is uncertain or unstable, or if the investment is to fulfill the Muslims' need for halal food or for Hajj?
Is a usufructuary lease agreement (Ijarah Muntahiya Bil Tamleek), which includes two separate contracts and stipulates that the tenant is responsible for insurance and maintenance, considered usury (riba) or unlawful (haram) due to the forfeiture of the tenant's rights, and is the sin lifted if both parties consent?