Among the developments in conventional insurance companies we also find that the development of Sharia insurance companies has also developed in this modern era. Many people have finally moved to use the services of Sharia insurance companies rather than conventional ones for several reasons. If you are also interested in a Sharia insurance company, then you should first know about Sharia insurance law.
What is a Sharia Insurance Company?
There are some people who say that conventional insurance companies are illegitimate. This is what makes many people ultimately prefer Sharia-based insurance products from Sharia insurance companies.
Sharia insurance companies in Indonesia themselves still have a small market share because most people also do not realize and understand the true Sharia insurance law. This Sharia insurance company is an insurance company that is guided by mutual protection efforts and also helps among policyholders and insurance companies. This can be done with the form of asset investment and the pattern of returning assets or providing guarantees will be carried out through a contract which is of course in accordance with the rules of Sharia that have been regulated.
The contract for granting guarantees and returning assets must also be free from elements of usury, gambling, bribes, immoral goods and illicit goods. Sharia-based insurance is Islamic insurance. This will benefit both parties and not just one party, for example an insurance company.
Law of Sharia Insurance
For insurance companies that want to apply Sharia principles, there are several propositions that must be known and certainly obeyed. The first argument is a proposition please help. If in conventional insurance the relationship is only one direction, that is, the insurance company provides guarantees and protection to the policy holders, then in the two-way legal Sharia-based insurance, namely mutual assistance between the insurance company and the policy holder.
The second proposition is a favorable proposition. Whatever decision is taken must be the one that does not cause harm to both parties. When you choose Sharia insurance there will be many choices for you. First you can choose insurance with savings. You can also choose the second option, insurance without savings. The rules for each type of insurance vary but the point remains to refer to the arguments and objectives of the Sharia insurance itself. At this time you don't need to worry because a lot of Shariah-based insurance options have been found and you can consult first before finally deciding the best.
Many people consider that conventional insurance is forbidden, but of course we still have the right to decide whether to choose insurance that is Sharia-based or conventional. Conventional insurance law is more likely to be profitable for the company and of course looking for profit or profit. Although Sharia insurance is also considered profitable, there are some people who criticize Sharia insurance law for several reasons.
For those of you who are still confused to decide which insurance to choose for life, health, or education for your children, you don't need to rush to determine insurance. You must really read all the things carefully so that you don't choose the wrong one. The reputation of insurance companies also needs to be known so that you avoid fraud. You also have to choose insurance that suits your financial capabilities.
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