Insurance
706 questions
What is the ruling on the health insurance provided by the Engineers Syndicate in Egypt? What are the Shar’i conditions for health insurance that transform it from a forbidden commercial insurance into a permissible cooperative insurance? And is it obligatory to inquire about the source of the project's funds?
Is it permissible to deal with a bank that promotes Islamic Murabaha while imposing life insurance, given the difficulty of renting a house and the resulting instability?
What is the Shariah ruling on an Islamic insurance company paying a late penalty to the buyer, due to the delay in settling the price of the house with the seller?
Is it permissible to deduct accommodation and medical insurance costs from the dues of a worker's leave if he did not return from his leave, and is he entitled to end-of-service benefits despite the absence of agreements in this regard in the contract?
Is it permissible for someone medically insured to purchase prescription glasses, to then purchase non-prescription sunglasses not covered by the insurance, and ask the seller to write an invoice stating they are prescription glasses of equal value? And is it permissible for an employee, approached by a company representative to conclude an insurance contract for his company's workers, to request a sum of money in exchange for concluding the contract?
Is expiation obligatory for one who caused the death of a child in a traffic accident, and whose blood money was paid by the compulsory insurance company?
Is the pension paid to an employee after reaching sixty years of age permissible or forbidden, knowing that the value of the pension is greater than the amount that was deducted monthly from his salary for insurance?
What is the ruling on intentionally inflating health insurance bills to approach full compensation, and how does one repent and rectify the error if they cannot recall all the amounts?
Is the sum of money I received as compensation from the insurance company as a result of my injury permissible or forbidden?
What is the ruling on the car that the questioner's brother purchased in installments, and the transaction included life insurance in the name of his deceased friend, especially since the company informed the brother that it had become his property?
What is the ruling on working temporarily for an insurance company, given the unavailability of any other source of livelihood and the difficulty of finding work?
What is the Islamic legal ruling on taking a sum from social insurance after the death of one's father? Is it considered permissible cooperative insurance or forbidden commercial insurance? And what should we do with it if it is forbidden?
Is it permissible to continue in a supplementary pension scheme belonging to a telecommunications company, knowing that the pension fund owns shares in companies that produce alcoholic beverages and in banks?
Is it permissible for an employee, whose company pays the premiums for commercial health and life insurance, to claim from the insurance an amount exceeding his due and then dispose of the surplus, or to dispose of the surplus allocated to a colleague who did not benefit from their insurance? And does an employee's signature on a compulsory insurance enrollment request make it voluntary?
What is the way to secure the future after retirement without resorting to prohibited types of insurance?
What is the ruling on using the name of an insured person to obtain prescription eyeglasses, sunglasses, or contact lenses for him or for one of his relatives or friends, especially if the insurance money might go unused, partially or entirely, and does the ruling differ between cooperative insurance and commercial insurance?
Is it permissible to pay a large annual medical insurance premium without needing to go to the hospital, and is it considered a sin to waste money by performing unnecessary medical tests?
What is the ruling on participating in a solidarity program that relies on a specific insurance amount from which heirs benefit?
Is the money received by the claimant from the Ministry of Labor in a European country, based on a fictitious dismissal letter instead of a voluntary resignation, in order to benefit from a monthly assistance that only a dismissed person is entitled to, lawful (halal) or unlawful (haram)? And if it is unlawful, what should he do with the money he has benefited from, and what is his duty now that he has no other source of income?
Is it permissible to pay the remaining amount of the apartment and its interest to the bank in order to receive it, knowing that the bank deducts a large percentage from the previously paid amount if it is refunded, and if the amount is not currently available, is it permissible to withdraw it with a credit card, paying 4% to the bank, in order to avoid compounded late fees exceeding 10%?
How can expiation be made for the sin of using a sum of money (450 Kuwaiti Dinars) that was returned to her as a department secretary for another person's social insurance, and she spent it on herself and her children due to her dire need, and she cannot afford to repay it at present?
What is the ruling on leasing a car with a lease-to-own option from Abdul Latif Jameel Company, with an initial payment of 10,475 Saudi Riyals (including administrative fees, an advance installment, and a down payment), and monthly installments for 48 months, followed by a final payment of 17,000 Saudi Riyals to own the car, knowing that a car lease agreement with an option to own is signed, along with a subsequent ownership agreement?
Is the real estate loan provided by the Kurdistan Regional Government of Iraq, for which it obligates the payment of service fees and life insurance, permissible or forbidden, given the absence of other alternatives?
What is the ruling on demanding compensation from the insurance company for the electrocution of a cousin at work, given that the employer is covering the medical expenses and his injury is still ongoing?