*Bismillahir-Rahmanir-Rahim*
{In the name of Allah most Gracious Most Merciful}
Allah says, in Quran
This day, I have perfected your religion for you,
completed My Favour upon you,
and have chosen for you Islâm as your religion.
(Al-Maeda-3)
Bismillah Walhamdulillah Was Salaatu Was Salaam 'ala Rasulillah
As-Salaam Alaikum Wa-Rahmatullahi Wa-Barakatuhu
________________________________
taken from my elder sister "Seekers" Forum
http://groups.yahoo.com/group/Seekers-Of-Islam/
Insurance of one’s life or possessions is haraam and is not permitted, because
it involves gharar (buying/selling something where it is not known whether what
is being bought/sold will actually be achieved/delivered, or in what specific
quantity, thus putting one’s money at undue risk to being lost) and riba
(usury, interest). Allaah has forbidden all transactions that are based on
riba, and all transactions which involve deceit, as a mercy to this ummah, and
to protect them from that which may harm them. Allaah says (interpretation of
the meaning):
“whereas Allaah has permitted trading and forbidden Ribaa”[al-Baqarah 2:275]
And it was narrated in a saheeh report that the Prophet (peace and blessings of
Allaah be upon him) forbade deceit. And Allaah is the source of strength.
"Abdullah b. Dinar narrated that he heard Ibn Umar (Allah be pleased with them)
saying : A man mentioned to the Messenger of Allah (may peace be upon him) that
he was deceived in a business transaction, whereupon Allah's Messenger (may
peace be upon him) said : When you enter into a transaction, say : There should
be no attempt to deceive."
Book 10, Number 3663: (Kitab-Al-Buyu- Book of Transactions)
If what is meant by submitting your papers to the insurance company is that you
have health insurance, or intend to take out health insurance, you should note
that this insurance is haraam, as is so-called life insurance, because the
insurance policy in both cases involves ambiguity and a kind of gambling. This
has been stated by the scholars in their fatwas.
It says in Fataawa al-Lajnah al-Daa’imah (15/297):
A – It is not permissible for the Muslim to insure himself against sickness,
whether that is in a Muslim country or in a kaafir country, because that
involves ambiguity and a kind of gambling.
B – It is not permissible for a Muslim to insure his life or all or some of his
physical faculties, or to insure his wealth, possessions, cars and the like,
whether that is in a Muslim country or in a kaafir country, because these are
kinds of commercial insurance, which is haraam because it involves ambiguity
and a kind of gambling.
Shaykh Ibn ‘Uthaymeen (may Allaah have mercy on him) said: “Insurance means
that a person pays a certain amount to the company each month or each year
against an accident that may happen to the thing insured."
It is known that the one who pays insurance is losing in all cases, and the
insurance company may win or lose, because if the accident is very serious and
costs more than the money paid by the customer, the company will lose, but if
it is minor and costs less than the money paid by the customer, or if no
accident happens at all, then the company will win and the customer will lose.
This kind of contract – i.e., contracts in which a person may win or lose – is
regarded as a kind of gambling which Allaah forbids in His Book and mentions
alongside drinking alcohol and worshipping idols.
Based on this, this kind of insurance is haraam. I do not know of any kind of
insurance based on ambiguity that is permissible, rather all kinds are haraam,
because of the hadeeth of Abu Hurayrah (may Allaah be pleased with him) who
said that the Prophet (peace and blessings of Allaah be upon him) forbade
transactions based on ambiguity.
And Shaykh Ibn ‘Uthaymeen said:
Life insurance is not permissible, because if the angel of death comes to the
one whose life is insured, he cannot refer him to the insurance company. So
this is a mistake and foolish misguidance, and it involves depending on this
company instead of Allaah, because the person is depending on the company, if
he dies, to take care of his heirs, which means depending on someone other than
Allaah.
This is akin to gambling, indeed it is gambling in a real sense, and in His
Book Allaah mentions gambling alongside shirk, divination with arrows and
alcohol.
In the case of insurance, a man may pay money for years and years, and he may
lose it, but if he dies soon the company may be the loser. All contracts in
which there may be gains or losses are kinds of gambling.
From Fataawa ‘Ulama’ al-Balad al-Haraam, p. 652, 653.
If you are forced to take out insurance and there is an accident, it is
permissible for you to take from the insurance company the same amount as the
payments you have made, but you should not take any more than that. If they
force you to take it then you should donate it to charity.
We advise you to fear Allaah and to turn to Him and make a lot of du’aa’, for
anyone who turns to Him will never be disappointed. And we remind you of the
words of the Prophet (peace and blessings of Allaah be upon him): “Whoever is
stricken with poverty and turns to people for help, his needs will never be
met, but whoever is stricken with poverty and turns to Allaah, Allaah will send
him provision sooner or later.”
Narrated by al-Tirmidhi, 2326; Abu Dawood, 1645. Classed as saheeh by
al-Albaani in Saheeh al-Tirmidhi.
And Allaah knows best.
________________________________
Sources--http://www.islam-qa.com/en/ref/39474
http://www.islam-qa.com/en/ref/10805
________________________________
Assalamualaykum
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