Insurance

Muslim Scholars in favor of insurance?

Muslim Scholars in favor of  insurance

Islami Fiqh Academy (Al Majma Al Fiqh Al Islami)
based and headed by way of late Qazi Mujahidul Islam Qasmi, the pupil who changed into most instrumental in strengthening the harmony within the Ummah through the Muslim non-public Board, Milli Council, Amarat Shariah Bihar, and so on., declared a historical decision on the permission of insurance at the occasion of the Islamic scholars’ Annual Meet.
As a method of the Academy, the Ulema from all over India used to accumulate yearly and are trying to find consensus on numerous present day contemporary troubles like donation of the organs, banking, coverage, and many others.

in their 4th annual meet from 9th to 12th of August, 1991 at Hyderabad, they agreed in principle to the decision of accepting lifestyles insurance policy however it was declared handiest within the next annual session held on twentieth November, 1992 at Jamia Rasshad, Azamgarh, UP.

earlier, Darul Uloom Deoband had already decreed the Fatwa in favour of coverage however on the grounds that Deoband produces innumberable scholars each yr, the conflict of opinion between them is quite herbal. So the students in favour and against the life coverage are in identical wide variety.
in advance in 1965, Majlis-e-Tahqeeqat Shariah, Lucknow had accredited the Fatwa permitting coverage.

Islamic Fiqh Academy, in its fifth annual consultation at Azamgarh in 1992 studied the two in advance Fatwas in depth. Seventeen senior students had been assigned to take a look at all the to be had coverage guidelines and supply their recommendations in favour or towards in any way end they attain. ultimately, they got here up with the subsequent decision:

the existing insurance machine, even though illegitimate in Shariah because of its involvement in Riba, playing, Gharar, and so forth., is permissible in Sharia below “Azzaroorat taba’al Khatoorat, Rafa Zarar, Dafa al Harj, and Tahaffuze Jaan wo Maal (the need at the time of risk, fighting the damage, eradicating the peril, and safety of existence and assets.) since there may be a constant danger to lifestyles, assets, enterprise and enterprise of the Indian Muslims because of communal riots, it is permissible under Shariah that they can take coverage guidelines.

The scholars who signed the document were:

  1. Late Maulana Mujahidul Islam Qasmi
  2. Sultan Ahmed Islahi, Idara Tahqeeq-o-Tasneefe-Islami, Aligarh
  3. Khalid Saifullah Rahmani, Hyderabad
  4. Nematullah, Darul Uloom, Deoband
  5. Habeeburrahman, Darul Uloom, Deoband
  6. Mufti Habeeburrahman Qasmi, Riazul Uloom, Gorini, Jonepur
  7. Mufti Sana Amri Qasmi, Madarsa Ahmed Ba Bakar, Pordeshali
  8. Zubair Ahmed Qasmi, Ashraful Uloom, Kanhewan, Seetamarhi
  9. Aneesurrahman Qasmi, Amarat Shariah, Phulwarishareef, Patna
  10. Ateeq Ahmed Qasmi, Darul Uloom, Nadwatul Ulema, Lucknow
  11. Azeezurrahman Fatahpuri, Bombay
  12. Rafeequl Mannan Qasmi, Ahya ul Uloom, Mubarkpur
  13. Syed Mustafa, Sadrul Islah, Bangalore
  14. Maulana Ma’azul Islam, Moradabad
  15. Maulana Ashfaq Ahmed
  16. Maulana Obaidulla, Ajwada
  17. Abdul Jaleel Qasmi, Jamea Islamia Samra, Champaran
  18. Md. Junaid Alam Nadvi Qasmi, Amarat Sharia Phulwari Shareef, Patna
  19. Naseem Ahmed Qasmi, Islamic Fiqh Academy, Patna
  20. Badar Ahmed, Khanqah Mujeebia Phulwari Shareef, Patna
  21. Najeeb Ahmed Qasmi, Jamea Arabia, Hatwaraband
  22. Habeeb Ahmed Qasmi, Islamic Fiqh Academy, Patna
  23. Md. Sadrul Hasan Nadvi, Kashiful Uloom, Aurangabad
  24. Tanweer Alam Qasmi, Ashraful Uloom, Kanhiwan, Seethamarhi
  25. Maulana Md. Nadeem, Ashraful Uloom, Mysore
  26. Mufti Md. Abdul Raheem Qasmi, Jame’a Khairul Uloom, Bhopal
  27. aulana Md. Raed, Darul Uloom, Deoband
  28. Maulana Iqbal Ahmed, Darul Uloom, Deoband
  29. Md. Afzaalul Haq, Darul Uloom, Gorakhpur
  30. Maulana Shameem Ahmed, Miftahul Uloom, Mau
  31. Nazeer Ahmed Qasmi, Jamia Madeenatul Uloom, Bara Banki
  32. Md. Yousuf Qasmi, Imdadul Uloom, Zaidpur, Bara Banki
  33. Sayeedul Haq Madani Qasmi, Darul Quran, Mau
  34. Maulana Sarfaraz Ahmed, Jamea Ahyaul Uloom, Mubarakpur
  35. Md. Shoeb Islahi Qasmi, Madarsatul Islah, Sarae Meer
  36. Mufti Md. Abdullah, Madarsa Baitul Uloom, Sarae Meer
  37. Maulana Masood Ahmed Nadvi, Jamea Islamia, Muzaffarpur
  38. Mujeebullah Nadvi, Jamiatur Rasshad, Azam Garh
  39. Maulana Afzaal Ahmed Qasmi, Patna
  40. Habeeb Ahmed Qasmi, Fiqh Academy, Patna
  41. Jameel Ahmed Nazeeri, Nazim Jamia Arabia Ahyauloom, Azamgarh
  42. Maulana Badrul Qasmi al Kuwaiti, Kuwait
  43. Abdullah Khan, Madarsa Miftahul Uloom, Ahmed Nagar
  44. Md. Burhanuddin, Darul Uloom Nadvatul Ulema, Lucknow
  45. Dr. Syed Qudratullah al Bakhwi, Daar Qudrat, Mysore
  46. Abdul Azeem, Faculty of Economics, Muslim University, Aligarh
  47. Maulana Anwar Ali Azmi, Darul Uloom, Mau
  48. Md. Sharafat Khan, Madarsa Ziaul Uloom, Rae Bareli
  49. Dost Md. Nadvi, Madarsa Ziaul Uloom, Rae Bareli
  50. Abdul Qayyum Palan Puri, Jamia Naziria Kakoksi, Gujarat
  51. Maulana Abdullah Qasmi, Jamia Islamia. Banaras
  52. Md. Imran Mazaheri, Darul Uloom, Chhabi, Gujarat
  53. Abdul Rahman Qasmi Palan puri, Darul Uloom, Chhabi, Gujarat
  54. Md. Qamruzzaman, Madarsa Baitul Moaarif, Allahabad
  55. Maulana Arshad Qasmi , Ajwada

    Eminent Ulema and Islamic Organisations who have issued Fatwas in favour of insurance cover, include:
    Jamat-e-Islami,
    Islamic Fiqh Academy,
    Idara-e-Tahquiquat Nadwatul Ulema,
    Maulana Abul Lais Islahi,
    Maulana Shams Peerzada,
    Maulana Mujahidul Islam Qasmi, etc.

    Maulana Shams Peerzada was in favour of the Life Insurance cover as a safeguard against communal riots

    In a Fatwa dated 19th February, 2001 issued by the Mufti of Darul Ifta, it is stated that …

    “the extra or excessive quantity is valid for a Muslim in a Non-Muslim us of a furnished the dealing is clean, no Ghaban or Ghish (dishonest and fraud) is concerned. through Shariah it isn’t always Riba. This comes beneath the ‘Aqd Fasid’ (a contract among a Muslim and a non-Muslim. It additionally way a disliked settlement, which can not be averted). This has been authorised with the aid of the Fuqha”.
    (Ref: Alamgeeri, quantity 3, web page 131.)

    this is applicable to all the increments obtained from the fixed or non-fixed deposits within the banks of a non-Muslim country. the additional amounts acquired from coverage companies like LIC (existence insurance enterprise) too come beneath the identical ruling. this may be handled as Maale Mubaah. The holder of this quantity is fully permitted to spend in whatever valid way he wants. Allah knows first-rate

    In a Fatwa dated 19th February, 2001 issued by the Mufti of Darul Ifta, it is stated that …

    “the extra or excessive quantity is valid for a Muslim in a Non-Muslim us of a furnished the dealing is clean, no Ghaban or Ghish (dishonest and fraud) is concerned. through Shariah it isn’t always Riba. This comes beneath the ‘Aqd Fasid’ (a contract among a Muslim and a non-Muslim. It additionally way a disliked settlement, which can not be averted). This has been authorised with the aid of the Fuqha”.
    (Ref: Alamgeeri, quantity 3, web page 131.)

    this is applicable to all the increments obtained from the fixed or non-fixed deposits within the banks of a non-Muslim country. the additional amounts acquired from coverage companies like LIC (existence insurance enterprise) too come beneath the identical ruling. this may be handled as Maale Mubaah. The holder of this quantity is fully permitted to spend in whatever valid way he wants. Allah knows first-rate

    Dr. M. Haitham Al Khayyal says that:

    the guideline of insurance is like “while food is scarce, mix every other’s food and divide it equally”.

    His views on the insurance are a really perfect example of “implemented Quran and Hadith” as we noted inside the chapter “The motives at the back of the suspicion.” He says:

    Having mounted these vast and complete ideas, with their momentous impact, Islam permits Muslims to decide a way to put into effect them consistent with their unique occasions. The handiest provision it makes is that such implementation have to not make lawful what God has forbidden; in addition no person must forbid some thing which God made lawful. The proper way to prevent herbal risks, inside the universe and in human lifestyles, and to spare or lessen their outcomes when they arise is to interrupt up their outcomes and to offer cooperation in bearing the losses they produce. An true Hadith definitely supports this precept. in keeping with each Bukhari and Muslim, Abu Musa Asha’ari fees the Prophet(ﷺ) as saying:

    “whilst the Ash’aries are on an day trip and that they appear to expire of meals materials, or if food turns into scarce for his or her families in Madinah, they prepare the whole lot they have got in one lot and divide all of it similarly amongst themselves. They belong to me and i belong to them”.

    this is a particularly powerful lesson showing how the complete community stocks similarly the outcomes of any trouble that befalls a number of its individuals.

    In our modern-day, insurance has countless forms, all of which have a commonplace feature giving the insured character a security in opposition to a total loss that could have damaged his back or left him helpless.

    Prohibiting insurance is because of lack of information

    modern-day students who pronounce a ruling prohibiting coverage take into account the insured individual’s lack of know-how of what he gets in go back for his rates as the premise of their ruling. This lack of knowledge is completely or virtually removed when we apply the regulation of huge numbers, i.e. actuarial mathematics.

    Their argument additionally refers to an element of betting or playing concerned in insurance, but insurance, in all its forms, has nothing to do with both. they also say that coverage entails some usury of both certainly one of its sorts, however this applies only to financial exchanges, which aren’t existent at least in medical insurance.

    They in addition argue that the insurer does no longer adopt any paintings on behalf of the insured. this is once more a false argument, due to the fact insurance companies make investments the charges so that there might be sufficient finances to compensate must there be a flurry of claims as a result of a standard calamity. The investment also ambitions to offer shareholders with dividends on their investment.

    He also mentioned that with the enlargement of the coverage idea among humans, the insurance businesses can reduce the premiums, and the medical insurance groups can offer higher fitness centers. these are the delivered benefits of the coverage which a country is not able to do from its budget.

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