Health Insurance in Islam Halal or Haram? Read This!

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Hi all readers! Are you looking for an explanation about “health insurance in Islam halal or haram?”? If your answer is “Yes”, congratulations! Now you are reading the right article. Why? Because that is what I will explain in this article. As Muslims, we must understand that. That’s why I wrote this article. So, you should read it to the end!

Specifically, there are four important things about “health insurance in Islam halal or haram?” which I will explain in this article. The four important things I mean are as follows:

  1. Meaning of Health Insurance in Islam.
  2. Principles of Health Insurance in Islam.
  3. Health Insurance in Islam Halal or Haram?
  4. Misunderstanding About Health Insurance in Islam.

Meaning of Health Insurance in Islam

The first important thing about “health insurance in Islam halal or haram?” what I will explain now is the meaning of health insurance in Islam. I want you to understand that first before you read more explanations in this article because that is one of the important things in this discussion that must be well understood.

In general, health insurance in Islam is one type of insurance in Islam that is used for protection against the impact of financial losses or loss of income of a person or family due to a sick family member.

In simple terms, health insurance is a type of insurance that aims to cover a person or family against unexpected financial losses because the policyholder is sick.

There is a difference between health insurance in Islam and conventional health insurance. The difference I mean is the basic concept and way of managing funds. The basic concepts of health insurance in Islam and the management of health insurance funds in Islam are in accordance with Islamic principles. So, Islamic principles or Islamic rules become the main standard of health insurance in Islam.

Other differences between Islamic health insurance and conventional health insurance are contracts, ownership of funds, surplus underwriting, investment management and insurance supervision. In health insurance in Islam, there are several types of transactions that should not be done. The types of transactions I mean are gharar or uncertainty, usury or extra and maysir or gambling. So, customer funds on health insurance in Islam, especially unit links, will not be invested in things that are contrary to Islam.

That is a brief explanation of the meaning of health insurance in Islam. As Muslims, we must understand that.

Principles of Health Insurance in Islam

The second important point about “health insurance in Islam halal or haram?” what I will explain now is the principles of health insurance in Islam. I want you to understand all of this because it is one of the most important discussions about health insurance in Islam that some Muslims don’t understand very well.

In general, if we read some Islamic literacy about health insurance in Islam, we will get an explanation that the main principle of health insurance in Islam is Islam. The point is that all activities carried out, such as the management of health insurance funds, must be in accordance with Islamic principles.

Specifically, the principles of health insurance in Islam are as follows:

1. The principle of tauhid in health insurance in Islam.

The first principle of health insurance in Islam is tauhid. The point is that health insurance in Islam is not only aimed at obtaining financial benefits, but also other benefits according to Islamic teachings.

2. The principle of justice in health insurance in Islam.

The second principle of health insurance in Islam is justice. The point is that the management of health insurance funds in Islam is carried out fairly, not benefiting one party and harming the other party.

3. The principle of mutual assistance in health insurance in Islam.

The third principle of health insurance in Islam is mutual assistance. The point is that the purpose of health insurance in Islam is mutual help.

4. The principle of cooperation in health insurance in Islam.

The fourth principle of health insurance in Islam is cooperation. The point is that each party must carry out their respective obligations according to the agreement. So, there is no party that does not fulfill its obligations.

5. The principle of trusting in health insurance in Islam.

The fifth principle of health insurance in Islam is trust. The point is that each party trusts the other party to carry out their respective obligations. For example, insurance owners trust insurance companies to manage health insurance funds according to Islamic principles.

6. The principle of volunteering in health insurance in Islam.

The sixth principle of health insurance in Islam is voluntary. The point is that neither party is forcing the other party. So, the owner of health insurance may not force the health insurance company, and the insurance company may not force the owner of the insurance. Everything must be on a voluntary basis.

7. The principle of managing health insurance funds according to Islamic rules.

The seventh principle of health insurance in Islam is to manage health insurance funds according to Islamic rules. All funds must be managed according to Islamic teachings.

That is a brief explanation of the principles of health insurance in Islam. As Muslims, we must understand that.

Read Also:

Concept of Takaful (Islamic Insurance)

Health Insurance in Islam Halal or Haram?

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Founder, Author, Indonesian Blogger, Muslim, Graduate of Al-Azhar University, Cairo, Egypt.

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