Home » Is Travel Insurance Halal or Haram in Islam?

Are you interested in learning about travel insurance in Islam ? Good luck if you answered “Yes”! You are now reading the appropriate article. Why? Since We’ll be explaining it in this essay. 

However, Muslim travelers are frequently reluctant to get traditional travel insurance. While they are traveling Halal because they are unclear whether it is Halal or Haram. We Muslims need to be aware of it. We created this post for that reason. You should thus finish reading it!

Travel insurance meaning

Before reading any more explanation in this post, we want you to comprehend it. Since it is one of the key concepts in this discussion and has to be properly understood.

Generally speaking, one sort of insurance in Islam offers protection from all hazards. That may arise when a person travels is trip insurance. Travel insurance protects a person against any hazards that might arise while they are traveling, both domestically and internationally. 

People who have significant mobility, such as those who travel often both domestically and overseas, are given priority for this insurance. In this modern world for news and technology possession of this protection helps to lessen the financial effect of any potential loss during the journey.

Is travel insurance haram?

Conventional travel insurance views riba, gharar, and maysir as haram. For Muslims, takaful insurance products provide Islamic options. To make sure the policy fits with Islamic principles. It is crucial to thoroughly analyze it and contact an informed Islamic expert.

Can you get travel insurance halal?

Halal travel insurance is a Shariah-compliant substitute for regular travel insurance that follows Islamic guidelines. And stay away from actions that are forbidden by Islam. 

To make sure you select the appropriate coverage for your trip needs, consider the following guidelines for halal travelers insurance :

  • Make sure the policy complies with Shariah : Make sure the policy you select complies with Shariah and doesn’t entail any forbidden behaviors like riba, gharar, or maysir.  
  • Verify the coverage regions and restrictions: It’s essential to verify the coverage areas and restrictions before buying a Halal travel insurance policy to make sure it will match your demands.  
  • For your travel requirements, pick the appropriate type of policy : Based on aspects like the duration of your trip. How frequently you travel, and the events that you intend to partake in, choosing the appropriate sort of coverage is crucial for your travel needs.
  • Recognize the policy’s terms and conditions: Before making a purchase, it is crucial to carefully research the policy. To make sure you comprehend the coverage, restrictions, and exclusions.

Is it permissible to get travel health insurance in Islam?

In Islam, there is no specific prohibition against obtaining travel health insurance. The permissibility of travel health insurance depends on the principles of Islamic finance and the type of insurance being considered.

Conventional insurance, especially if it involves interest or speculative practices, may be considered non-compliant with Islamic principles. However, there are Islamic insurance models, known as Takaful, which adhere to Islamic principles. 

Takaful operates based on cooperation, mutual assistance, and shared responsibility among participants. In this system, contributors pool their resources to support those who suffer a loss or need financial assistance, including during travel.

Can a Muslim get travel insurance internationally for non-Muslim countries?

To cover medical crises, trip postponements, and other unforeseen occurrences that may happen when traveling to non-Islamic countries. Muslims should get travel insurance. It’s crucial to choose a policy that jives with one’s principles and worldview.

What advice is available to Muslims who want to travel safely without relying on travel insurance?

Without resorting to travel insurance, some advice for continuing safe while traveling as a Muslim includes;

  • Doing your homework at the destination.
  • Getting the required vaccinations.
  • Learning local traditions and fashion rules. 
  • Keeping in touch with loved ones back home.

 Is it ok to get travelers’ home insurance in Islam?

The permissibility of travelers’ home insurance in Islam is a matter of scholarly debate and interpretation of Islamic principles. There are different opinions among Islamic scholars regarding the permissibility of conventional insurance. Including travelers’ home insurance, due to the involvement of elements such as interest (riba), uncertainty (gharar), and gambling (maisir).

Some scholars argue that conventional insurance involves elements of riba because insurance companies may invest premiums in interest-bearing instruments. 

Others contend that the uncertainty surrounding whether a loss will occur or not (gharar). And the possibility of gaining more than what was paid (gharar) resembles gambling (maisir) and is thus prohibited in Islam.

Final words

In summary, the permissibility of travel insurance in Islam is a complex and nuanced matter. Conventional travel insurance that involves interest, uncertainty, and gambling is generally considered Haram. Also, we have described travel insurance in Islam briefly.

Muslims who have concerns or questions about travel insurance are encouraged to seek advice from knowledgeable Islamic scholars. To ensure their choices align with their religious beliefs and values. 

And the endorsement of reputable Islamic scholars or Shariah boards should be considered. When making an informed decision regarding travel insurance in Islam.

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Is Travel Insurance Haram in Islam? Read This!

Akhmad Syafiuddin, Lc.

Is Travel Insurance Haram in Islam?

Hi all readers! Are you looking for an explanation about “ is travel insurance haram in Islam ?”? 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!

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

Meaning of Travel Insurance in Islam

The first important thing about “is travel insurance haram in Islam?” what I will explain now is the meaning of travel 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 understood well.

In general, travel insurance in Islam is one type of insurance in Islam that provides protection against all risks that may occur when a person travels

Travel insurance is insurance that provides protection against all risks that may occur when a person travels, both domestically and abroad. This insurance is prioritized for people who have high mobility, such as traveling out of town to abroad. The ownership of this protection serves to reduce the financial impact of the risk of loss that may occur during the trip.

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

Other differences between Islamic travel insurance and conventional travel insurance are contracts, ownership of funds, surplus underwriting, investment management and insurance supervision. In travel insurance in Islam, there are several types of transactions that should not be done. The types of transactions that I mean are gharar or uncertainty, usury or additions and maysir or gambling. So, customer funds on travel 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 travel insurance in Islam. As Muslims, we must understand that.

Principles of Travel Insurance in Islam

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

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

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

The principle of tauhid in travel insurance in Islam

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

The principle of justice in travel insurance in Islam

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

The principle of mutual assistance in travel insurance in Islam

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

The principle of cooperation in travel insurance in Islam

The fourth principle of travel 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.

The principle of trust in travel insurance in Islam

The fifth principle of travel 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 travel insurance funds according to Islamic principles.

The principle of voluntary in travel insurance in Islam

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

The principle of managing travel insurance funds according to Islamic rules

The seventh principle of travel insurance in Islam is to manage travel insurance funds according to Islamic rules. All funds must be managed in the right way something Islamic teachings.

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

The third important point about “is travel insurance haram in Islam?” what I'm going to explain now is a specific answer. I want you to understand that well because that is the main discussion in this article.

In the previous few paragraphs, I have explained that travel insurance in Islam is travel insurance whose funds are managed according to Islamic principles. What this means is that if all travel insurance funds in Islam are managed according to Islamic principles, the result is halal.

In addition, I have also explained that the main principle of travel insurance in Islam is Islam. This means that all matters relating to insurance can be justified if they are managed and carried out according to Islamic rules.

So, if you ask me, "is travel insurance haram in Islam?", the answer is that travel insurance in Islam is halal. So, Muslims do not need to hesitate if they want to have travel insurance.

That's a brief explanation of "is travel insurance haram in Islam?". As Muslims, we must understand that.

Misunderstanding About Travel Insurance in Islam

The fourth important point about “is travel insurance haram in Islam?” what I will explain now is the misunderstanding about travel insurance in Islam. I want you to understand that because there are some things about travel insurance in Islam that some Muslims don't understand very well.

The biggest misunderstanding about travel insurance in Islam is the notion that there is no halal travel insurance. Some people think that travel insurance is haram because travel insurance funds are not managed according to Islamic rules.

One important thing about the misunderstanding about travel insurance that I want to explain here is that haram travel insurance is travel insurance whose funds are not managed according to Islamic rules. In general, travel insurance that does not make Islamic rules a principle is conventional travel insurance. Travel insurance in Islam makes Islamic rules a principle.

That is a brief explanation of the misunderstanding about travel insurance in Islam. As Muslims, we must understand that.

That's a brief explanation of "is travel insurance haram in Islam?" and some important things about it. Do you understand? If you want to ask, please ask!

I think that's enough for this article. Hope it is useful. Amen.

See you again in the next article!

Akhmad Syafiuddin, Lc.

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Is Travel Insurance Haram? Dos and Don’ts of Halal Travel Insurance

Traveling is an excellent way to experience different cultures and broaden one’s horizons. However, traveling comes with its own set of risks, such as loss of luggage, medical emergencies, trip cancellations, and accidents. To mitigate these risks, many people opt for travel insurance. It provides financial protection against those unforeseen circumstances.

However, when it comes to Halal travel, Muslim travelers are often hesitant to purchase conventional travel insurance because they are unsure if it is Halal or Haram. Because Islamic law prohibits any financial transaction that involves interest (riba) or uncertainty (gharar). In this case, Halal Travel Insurance comes in. It covers medical emergencies, trip cancellations, lost or stolen luggage, flight accidents, and other risks that may occur while traveling. Additionally, halal travel insurance provides coverage for issues that may arise from violating Islamic law, such as unintentional consumption of non-halal food or alcohol.

In this blog post, we will explore the concept of Halal travel insurance, its importance, and how it differs from conventional travel insurance.

Is Travel Insurance Haram?

Conventional travel insurance considers haram as it involves riba, gharar and maysir. Takaful insurance policies are Islamic alternatives for Muslims. It’s important to review the policy carefully and consult a knowledgeable Islamic scholar to ensure it complies with Islamic principles.

How Halal Travel Insurance Differs from Conventional Travel Insurance

Arguments against travel insurance in islam, 1. riba (interest) in travel insurance.

Riba, or interest, is prohibited in Islam, as it is considered unjust and exploitative. Unfortunately, many conventional travel insurance policies operate on an interest-based system, where the insurer collects premiums and invests them in interest-bearing accounts or other financial instruments that generate interest. This means that the insurer benefits from the interest earned on the premiums, which is considered a form of riba.

In contrast, Halal travel insurance and Car Insurance policies aim to avoid riba by investing premiums in Shariah-compliant investments that do not involve interest. This is important for Muslims who wish to adhere to Islamic law, as the Quran and Hadith strongly discourage riba and emphasize the importance of ethical and fair business practices.

The Quranic verses and Hadiths that speak out against riba are numerous. One well-known verse from the Quran states, “Those who consume interest cannot stand [on the Day of Resurrection] except as one stands who is being beaten by Satan into insanity” (2:275) . This verse emphasizes the severity of engaging in riba, and warns of the negative consequences in the afterlife. Similarly, a Hadith narrated by Abu Huraira states, “The Prophet, peace and blessings be upon him, said, ‘Avoid the seven grave sins.’ They said, ‘O Messenger of Allah, what are they?’ He said, ‘Associating others with Allah, magic, killing a soul which Allah has forbidden except by right, consuming interest, consuming the property of the orphan, fleeing on the day of the march, and slandering chaste women who are believers'” (Bukhari and Muslim).

Statistics show that the global Halal travel market is growing rapidly as more Muslims seek travel experiences that align with their values and beliefs. In fact, global halal tourism market holds a forecasted revenue of US$ 255.0 billion in 2022 and is likely to reach US$ 365.0 billion by the end of 2032. (source: Future Market Insights) . This underscores the importance of providing Halal travel insurance options that avoid riba and other prohibited practices.

2. Gharar (Uncertainty) in Travel Insurance

Gharar, or uncertainty, is another prohibited practice in Islam, as it involves too speculative or uncertain transactions. Unfortunately, many conventional travel insurance policies may involve gharar, as they often include ambiguous or unclear terms and conditions or may not provide coverage for certain events that are beyond the traveler’s control.

This uncertainty can be problematic for Muslims who wish to adhere to Islamic law, as the Quran and Hadith emphasize the importance of clarity, honesty, and transparency in business dealings. Islamic finance encourages the use of contracts that clearly define the terms and conditions of a transaction, so that all parties are aware of their rights and obligations.

One of the key Quranic verses that emphasizes the importance of clarity and honesty in business dealings is, “O you who have believed, do not consume one another’s wealth unjustly but only [in lawful] business by mutual consent” (4:29) . This verse emphasizes the importance of mutual consent and clarity in business dealings, and warns against engaging in unjust practices.

Similarly, a Hadith narrated by Abu Huraira states, “The Messenger of Allah, peace and blessings be upon him, said, ‘The buyer and seller have the option to cancel or confirm the deal until they separate. If they are truthful and clear in their transaction, their transaction will be blessed, but if they lie and conceal, the blessing of their transaction will be eliminated'” (Bukhari and Muslim) . This Hadith emphasizes the importance of honesty and clarity in transactions, and warns against engaging in practices that involve deception or ambiguity.

Takaful (Islamic Insurance) as an Alternative

Takaful, or Islamic insurance, is an alternative to conventional travel insurance that adheres to Islamic law and avoids practices prohibited in Islam, such as riba, gharar, and maysir. Takaful operates on a cooperative principle, where policyholders pool their funds to support each other in need. Here are some of the top benefits of Takaful and how they align with Islamic law:

The Quranic verses and Hadiths that support the principles of Takaful are numerous. One verse from the Quran states, “Help one another in righteousness and piety, but help not one another in sin and rancor: fear Allah: for Allah is strict in punishment” (5:2). This verse emphasizes the importance of mutual support and cooperation, but warns against supporting each other in sinful or harmful ways.

Similarly, a Hadith narrated by Anas bin Malik states, “The Prophet, peace and blessings be upon him, said, ‘None of you truly believes until he loves for his brother what he loves for himself'” (Bukhari and Muslim) . This Hadith emphasizes the importance of caring for others and supporting each other, which is a key principle of Takaful.

Statistics show that the global Takaful market is growing rapidly. In fact,   global takaful market size reached US$ 30.5 Billion in 2022. Looking forward, the publisher expects the market to reach US$ 54.9 Billion by 2028 (source: Research and Markets) . This underscores the increasing demand for Takaful and the importance of providing insurance options that are Shariah-compliant and aligned with Islamic values.

Halal Travel Insurance: Dos

Halal travel insurance offers a Shariah-compliant alternative to conventional travel insurance, which adheres to Islamic principles and avoids practices prohibited in Islam. Here are some dos of Halal travel insurance to ensure that you choose the right policy for your travel needs:

  • Ensure the policy is Shariah-compliant: It is important to ensure that the policy you choose is Shariah-compliant and does not involve any prohibited practices, such as riba, gharar, or maysir. This can be done by researching the insurance provider and reviewing the terms and conditions of the policy to ensure that it aligns with Islamic law.
  • Check the coverage areas and limitations: Before purchasing a Halal travel insurance policy, it is important to check the coverage areas and limitations to ensure that it meets your travel needs. This may include coverage for emergency medical expenses, trip cancellations, lost or stolen luggage, and other travel-related issues.
  • Choose the right type of policy for your travel needs: Halal travel insurance policies come in various types, including single-trip, multi-trip, and annual policies. Choosing the right type of policy for your travel needs is important based on factors such as the length of your trip, the frequency of your travel, and the activities you plan to engage in.
  • Understand the terms and conditions of the policy: It is important to carefully review the policy before purchasing to ensure that you understand the coverage, limitations, and exclusions. This will help you make an informed decision and ensure that the policy meets your needs and expectations.
  • Ensure that the policy covers emergency medical expenses: One of the most important aspects of any travel insurance policy is coverage for emergency medical expenses. It is important to ensure that the Halal travel insurance policy you choose provides adequate coverage for medical emergencies, including hospitalization, doctor visits, and emergency medical transportation.

By following these dos of Halal travel insurance, you can ensure that you choose the right policy for your travel needs and align your travel experiences with your Islamic values and beliefs.

Halal Travel Insurance: Don’ts

Halal travel insurance is designed to provide Muslims with an insurance option that complies with Shariah law and aligns with their values and beliefs. However, there are certain things to avoid when choosing a Halal travel insurance policy. Here are some don’ts of Halal travel insurance:

  • Avoiding policies that involve riba (interest): Riba, or interest, is prohibited in Islam, and it is important to avoid insurance policies that operate on an interest-based system. This means avoiding policies that invest premiums in interest-bearing accounts or other financial instruments that generate interest.
  • Avoiding policies that support haram activities: It is important to avoid travel insurance policies that support haram activities, such as alcohol consumption, gambling, or other prohibited practices. This may include policies that provide coverage for certain types of activities or events that are considered haram.
  • Avoiding policies with unclear terms and conditions: It is important to carefully review the terms and conditions of a Halal travel insurance policy before purchasing to ensure that they are clear and understandable. Policies with ambiguous or unclear terms may involve gharar, or uncertainty, which is also prohibited in Islam.
  • Not relying solely on credit card insurance: While some credit cards may provide travel insurance coverage, it is important not to rely solely on this type of coverage. Credit card insurance may not be sufficient to cover all travel-related issues and may not be Shariah-compliant.

Related Post: Is disability insurance halal?

How to Choose the Right Halal Travel Insurance Policy

Choosing the right Halal travel insurance policy requires careful consideration and research to ensure that it meets your travel needs and aligns with your Islamic values and beliefs. Here are some steps to help you choose the right Halal travel insurance policy:

  • Understanding your travel needs and risk factors: Before choosing a Halal travel insurance policy, it is important to understand your travel needs and the potential risks associated with your trip. This may include factors such as the length of your trip, the activities you plan to engage in, and the potential for medical emergencies or travel disruptions.
  • Researching different Halal travel insurance providers: Once you have identified your travel needs and risk factors, you can start researching different Halal travel insurance providers. Look for reputable providers with a strong track record of providing Shariah-compliant insurance options.
  • Comparing policies and premiums: Once you have identified potential Insurance providers, compare their policies and premiums to find the one that best meets your needs and budget. Look for policies that provide comprehensive coverage and are affordable and competitive in terms of pricing.
  • Checking the policy’s coverage areas and limitations: Before purchasing a Halal travel insurance policy, check it to ensure it meets your travel needs. This may include coverage for emergency medical expenses, trip cancellations, lost or stolen luggage, and other travel-related issues.
  • Reviewing the terms and conditions: It is important to carefully review the terms and conditions of a Halal travel insurance policy before purchasing to ensure that they are clear and understandable. This will help you make an informed decision and ensure that the policy meets your needs and expectations.

Know More: Is phone insurance haram?

Common Misconceptions about Halal Travel Insurance

Final thoughts.

Halal travel insurance provides a Shariah-compliant alternative to conventional travel insurance, which aligns with Islamic values and beliefs. By avoiding practices prohibited in Islam, such as riba, gharar, and maysir, Halal travel insurance offers a viable option for Muslim travelers who wish to ensure that their travel experiences align with their religious and ethical principles.

It is important for Muslim travelers to choose a travel insurance policy that aligns with their values and beliefs and provides comprehensive coverage for their travel needs. By researching different Halal travel insurance providers, comparing policies and premiums, and checking the coverage areas and limitations, travelers can find a policy that meets their needs and aligns with their Islamic values.

Travel Insurance Haram (FAQs)

Is working for travel insurance company halal.

Working for a travel insurance company is generally considered halal in Islam, as long as the company’s operations are lawful and do not involve any unethical practices. However, it is always important to carefully consider the nature of the job and ensure that it aligns with one’s personal values and beliefs.

Is travel insurance mandatory for Saudi Arabia?

Travel insurance is not mandatory for entry into Saudi Arabia. Still, it is strongly recommended to provide coverage for medical emergencies, trip cancellations, and other unexpected events that may occur during travel.

Is it haram to buy travel insurance in Islam?

Buying travel insurance is not inherently haram in Islam as long as the policy does not contain any provisions that go against Islamic principles, such as interest-based transactions or gambling. It is important to carefully review the terms and conditions of the policy before making a purchase.

Can I get travel insurance as a Muslim?

Yes, Muslims can purchase travel insurance to provide coverage for medical emergencies, trip cancellations, and other unexpected events that may occur during travel. Selecting a policy that aligns with one’s values and beliefs is important.

Is it permissible to get travel insurance before going on Hajj or Umrah?

Getting travel insurance before going on Hajj or Umrah is permissible as long as the policy does not contain any provisions that go against Islamic principles, such as interest-based transactions or gambling. It is important to carefully review the terms and conditions of the policy before making a purchase.

What are some alternatives to travel insurance in Islam?

Some alternatives to travel insurance in Islam include self-insuring by setting aside funds to cover unexpected expenses, relying on family or community networks for support in case of emergency, or seeking out specific types of coverage, such as medical insurance or trip cancellation policies.

Can a Muslim buy travel insurance for non-Islamic countries?

Yes, Muslims can buy travel insurance for non-Islamic countries to provide coverage for medical emergencies, trip cancellations, and other unexpected events that may occur during travel. Selecting a policy that aligns with one’s values and beliefs is important.

What are some tips for staying safe while traveling as a Muslim without relying on travel insurance?

Some tips for staying safe while traveling as a Muslim without relying on travel insurance include researching the destination ahead of time, taking necessary health precautions such as vaccinations, being aware of local customs and dress codes, and staying in contact with family or friends back home.

Which is better: individual or group travel insurance?

Individual and group travel insurance choices depend on personal preferences and needs. Individual policies may provide more tailored coverage, but group policies may be more cost-effective and convenient for those traveling with others. It is important to carefully review the terms and conditions of each policy before making a decision.

What are some aesthetically pleasing ways to showcase Islamic travel without promoting travel insurance?

Some aesthetically pleasing ways to showcase Islamic travel without promoting travel insurance include sharing beautiful photos and videos of Islamic landmarks, highlighting cultural experiences such as traditional food and art, and promoting eco-friendly and sustainable travel options.

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Is Insurance Halal or Haram? Muslim Finance | Islamic Finance Guru

Is Insurance Halal or Haram? Muslim Finance | Islamic Finance Guru Featured Image

14 min read

Published: 31 May 2022

Updated: 25 August 2023

Ibrahim Khan

Ibrahim Khan

I suspect this is the most controversial article to appear yet on IFG.

Well, much of the opinions I hold on Islamic financial matters are the mainstream ones, but as I have studied the topic of insurance more, I have increasingly found myself switching position.

Below are my preliminary thoughts in favour of why insurance, of most kinds, should be considered permissible (halal).

Let me also add, for those of you who may not realise this, there are a minority of scholars currently alive and passed away who have held that insurance is halal. This may not be immediately obvious given how widespread the view is that insurance is haram, but it is important to point this out so that one doesn’t think that what is being put forward here is completely novel.

These scholars and academics include, Sh. Mustafa Zarqa, Sh. Ali AlKhafeef, and Nejatullah Siddiqi.

There are also some prominent modern scholars, but I would not want to attribute complex positions to them without studying with them first, and it is best left to them to articulate their own positions should they feel the need to.

(Be sure to check the follow-up article on "Is life insurance haram or halal?" )

The Basic Premise

The basic premise I want you all to keep in mind is that Islam and the fuqaha (legal jurists) do allow us to mitigate risk by pooling our wealth and paying out to those who lose out from an uncertain loss.

Traditionally, in Arabia if a tribesman needed to pay blood money (a large sum) to someone, then the entire tribe would chip in a small amount to make up the sum. They did this as a charitable gesture so no one of their number would be overcome by the massive payment. Relating to this, fuqaha allow takaful insurance – which is a form of cooperative insurance along these lines.

More on this later, but remember: the basic principle of mitigating loss by pooling wealth is uncontroversially halal. The debate is on how it is done, i.e. the conditions and structures involved.

The argument against conventional insurance is that it involves riba (interest), gharar (uncertainty), and maysir (gambling).

In this article I will focus on the strongest and most central of these objections: gharar .

For the purposes of this article let us take “insurance” to mean common types of insurance like car insurance, house insurance, pet insurance, medical insurance, and business insurance (as opposed to more complicated setups such as life insurance or reinsurance).

Islam forbids transactions in which there is gharar .

The argument against conventional insurance goes that this is a gharar -based transaction where something uncertain is being bought in exchange for a premium – so is not allowed. You are uncertain if you will ever have an accident after you buy car insurance and most people don’t and lose all their money for no return each year.

Takaful or cooperative insurance on the other hand is allowed as it is fundamentally a gift to the pot – and so – even though it looks structurally identical to conventional insurance – in fact from a fiqhi perspective because it is a gift, it is okay to get back more or less than that which you put in. So, the guy who pays his fellow tribesman a contribution for the blood money due is doing it not as a bilateral contract but as a gift out of the goodness of his heart.

But having considered the arguments based on gharar that forbid insurance, I have come to the conclusion that conventional insurance is not the kind of gharar -based transaction the ahadith about gharar are trying to forbid. Let me show you why.

These are a flavour of the hadith dealing with gharar :

  • Imam Muslim records in his Sahih: “On the authority of Abu Hurairah who said that the Messenger of Allah (peace and blessings of Allah be upon him) forbade ‘sales of a speculative nature’ (bai al-gharar).”
  • Tirmidhi records the Prophet said “Do not sell that which you do not have.”
  • Al-Bukhari and Muslim record “On the authority of ibn Umar who said that ‘the Messenger of Allah (peace and blessings of Allah be upon him) prohibited the sale of fruits until their ripeness and freedom from disease were apparent. He prohibited both the seller and the buyer.’”
  • Ahmad and Ibn Majah record “The Prophet (PBUH) has forbidden the purchase of the unborn animal in its mother’s womb, the sale of the milk in its udder without measurement, the purchase of spoils of war prior to their distribution, the purchase of charities prior to their receipt, and the purchase of the catch of a diver.”
  • Ahmad records “the Prophet forbade the purchase of a runaway slave.”
  • Ibn Al Athir Al Jazaria records “The Prophet forbade the selling of fruit before it is known to be of acceptable quality.”
  • Al-Bukhari and Muslim record the Messenger of Allah (PBUH) has allowed bay’ al-araya in quantities less than five awsaq (equivalent to approximately 653kg), meaning the sale of fresh dates on the palm in exchange for aged dried dates.
  • Aisha narrated “I said “Oh Messenger of Allah, people borrow bread and yeast from their neighbours, and they return more or less, is this permissible?” He said: “There is no harm in this; it is a common practice of the people, and the increase or diminution is not what they intend.” (Abu Bakr Ash-Shafi from Aisha, mentioned in Zuhayli’s “Financial Transactions in Islamic Jurisprudence, p.254); and in another narration from Muadh ibn Jabal , “so take the larger amount and give the smaller, or take the smaller and give the bigger, the best among you is the one who is best in paying back his debts.”
  • Muslim records “Ibn ‘Abbas (Allah be pleased with them) reported that when Allah’s Prophet (may peace be upon him) came to Medina, they were paying one and two years in advance for fruits, so he said: Those who pay in advance for anything must do so for a specified weight and for a definite time.”

From (1), we can see that trades involving gharar are not allowed, as we have already discussed. From hadiths (2)-(6), we can piece together why that is the case: in each of these instances the thing that is being driven at is to have a clear, unambiguous contract where there is no room for dispute down the line. Furthermore, the harm of allowing outweighs the benefit of allowing, so the conclusion is not to allow.

My argument is that conventional insurance is not such a contract as it is sufficiently clear. More on this below. But let’s label this the negative argument.

Let’s look at hadith (7)-(9): these are just some of the hadith where the Prophet allowed for some uncertainty in the contract to make it easy for people and businessmen, or because it was a custom of the people, and where the benefit of allowing outweighed the harm.

Thus, we can clearly see Islam does countenance gharar in money matters – Bai’ salam and takaful are just two examples. As such, there are independent positive arguments for why conventional insurance is beneficial and customary enough to fall among such categories and not the one of prohibited gharar . Let’s label this the positive argument.

Finally, I find that when one examines modern-day examples of transactions deemed halal that involve a degree of gharar , e.g. takaful insurance, then one struggles to pinpoint how exactly these deemed-halal examples are different to conventional insurance which is deemed haram. Let’s call this the takaful argument .

The Negative Argument

The fundamental issue is whether the thing being bought in an insurance contract is tangible and certain enough for the contract to be deemed valid. The Prophet forbade one from buying a diver’s catch until he’d actually got his catch, come back, and started selling tangible fish. The reason was that it was unclear what exactly is being bought or sold. The object of the contract must be certain.

But let’s imagine the modern day, where big data and historical statistics allow us to model very accurately what the average catch will be. In this situation, I don’t see a problem for Tesco, say, entering a year-long contract with a fishing company, to provide it whatever it catches, with the understanding that on average, x amount is what is expected.

Similarly, in insurance, certainly from an insurance company’s perspective, big data allows a lot of certainty as to where they stand. The trickier question is, do consumers enjoy the same level of certainty? Well, a competitive market certainly helps. It helps efficiently price the good that customers are purchasing: “security” or “peace of mind”. This ensures that they are not exploited.

When we think about “security” or “peace of mind” they may sound like fluffy and intangible objectives. But let’s analogise with a security guard. He is paid a wage for providing security. What does that look like? It looks like him standing around waiting for the one day in the year when he needs to earn his keep. The rest of the time he is just on stand-by. But he is being paid for is being on stand-by, being available, and dealing with any other related requests you might have.

Similarly, an insurer contracts to have available people to speak to you, provide you with documents should you need them, and to do checks whenever you claim. They are not being called upon to deliver money every day, but they are providing some quite tangible services that are clear and understandable.

Further analogies can be made with estate agents who provide a service arrangement for landlords: if the landlord’s property ever needs repairing, the estate agent will sort it out. Or how about the law firm who contracts to provide all the legal requirements of a company?

In both these cases the estate agent and the law firm expect to make a profit overall given that they will have a roster of such clients. One or two may be costly, but the other ones won’t require much work and the estate agent/law firm will be profitable in the end. The parallels between this arrangement and a car or home insurance contract where the insurer becomes responsible for paying for any damage/theft that may happen, are striking.

In short, insurance is a sufficiently clear contract, certainly in our day and age.

The Positive Argument

Insurance gives certainty – this is incredibly important to the business world, but it is also incredibly important for the day to day lives of people. The Prophet specifically allowed for bai salam (for farmers to sell in advance their crop so that they may raise money now) as it genuinely helped people live their lives in a more stress-free way (see hadith 9 above). He weighed up the uncertainty caused by the transaction against the benefit that came from it, and clearly he decided that the benefit outweighed the harm.

I also find hadith (7) and (8) fascinating, not because they are precisely applicable here, but because they indicate that sometimes an unequal exchange in transactional matters is acceptable. In the case of (7) this helped ease business in Arabia where the primary agriculture was in dates, while in the case of (8) a debt was allowed to be paid back slightly more or less. Standardly, one must return a debt exactly, and not even add a gift on for fear of it becoming considered interest. However, maintaining community ties trumps all of that.

And notice how in (7), the Prophet sets quite an easy bar for what is allowed. 650kg is a lot of dates and the Prophet allowed araya trades under that amount. He could have set the amount at 10kg, say, but the instinct was one of making ease for business and life, not hardship.

Insurance is centrally important for businesses to maintain a steady ship from month-to-month and to protect against unexpected crises. It helps makes large deals happen as well, as insurers will often be involved in underwriting the risk of a transaction falling through, or acting as guarantors for parties. These are all important lubricants to our economy. Further, insurance creates large pools of wealth which are then invested throughout society – again, a vital element for a healthy economy.

There are a number of other benefits to insurance, some of which are excellently outlined in this article . In a nutshell, the point is that insurance, while it may have some degree of gharar in it, it is still justifiable given that there is a great benefit to it, and that our Sharia h historically does allow for some gharar -heavy transactions if the benefit outweighs the harm.

The Takaful Argument

The blood money mutual insurance concept was the inspiration for coming up with a takaful cooperative insurance model for our time. The basic concept is that a bunch of people pool their money together not-for-profit to mutually cover each other’s backs. I like the cooperative model. If one exists I encourage people to use that – as at heart it is much more of a charitable and communal venture.

Fundamentally, a takaful model is identical to a conventional model in the important elements of the structure.

Both organisations aim to make a surplus, pay their employees and managers, pool participant cash and then pay out in the cash of a claim. There is also an element of reciprocity akin to a commutative contract in a takaful model. One isn’t just donating the money and forgetting about it. One is donating with the expectation that the takaful pool will pay out in the case the donor needs it.

There is actually a quasi-commutative contract in place here as well (as there is a quasi-obligation on both parties). [Arguments that the object of the contract is indeterminate in conventional insurance, and therefore it is haram (see negative argument above), might face counterarguments that actually a classic takaful model is not a pure hiba (gift) and as such there is a quasi-contract and it has an object and this object is as indeterminate as the one in the conventional model – and so either both are haram or both are halal.]

Secondly, if we go back to the blood money situation from which takaful is often analogised with – the money wasn’t actually pooled and then invested by the tribe. The tribe would pay up as and when a calamity happened. So in a way, it was a purer form of hiba as there was no quasi-contract between tribesmen. But that is not practicable these days in a non-t riba l and atomistic society.

So, the takaful model allows for people to pay in beforehand. This of course creates an expectation – and it is that expectation that is the object. So the point I’m driving at is, the takaful industry has already compromised somewhat on the pure blood money setup for practicality purposes, and in so doing made itself near identical with a conventional insurer. If this point is conceded, then really there are few substantive other differences between the two models.

Yes, the conventional model can arguably be seen as more profit-driven, won’t pay out any profits to participants, and charge higher fees. But in reality, viewing things from the 21st Century lens where we live in a world of footloose capital, international finance and financial institutions that straddle multiple continents, and a population that is almost unimaginably larger than it was, say, a thousand years ago, we need insurance companies of considerable size to be able to make things work, and this requires an incredible amount of effort. To expect someone to handle all this without a profit motive is highly optimistic. And the takaful companies that exist – they are all profit-making as well.

Major insurance providers are the ones who are setting them up through Islamic windows and funding them (indeed, given the enormous capital requirements for insurance companies, large insurers are often the only entities that can help start takaful companies) and they will make money off them just like their conventional insurance operations. The difference is only in the structuring. The intention to make profit is exactly the same. They price risk and meet shortfalls in funds just like conventional insurers, though in a pure takaful model presumably one would price contribution by how well-off one is (as it is a gift) and if there is a shortfall one would have a whip-round from the other members.

Finally, the Cooperative company in the UK is a fantastic model and in my research I learnt more about them and actually joined up. They pay back profit to their members and give discounts to their members in their stores. But interestingly, they were doing terribly until they became increasingly corporatised and commercialised, and now they’re running pretty effectively. Make of that what you will!

Concluding Remarks

This is the longest article we have published on IFG so far – and it is so because the argument made requires more of a defence as it is a minority position. However, please do note that this article is merely a summary of the topic and my views; a fuller treatment would extend into the tens of thousands of words. Each of those hadith mentioned, for example, have had countless pages written on them over the centuries, and to analyse them fully requires a small book, not to mention all the other hadith I have not even mentioned.

A few further points to note in brief:

  • Takaful is definitely halal and cooperative insurance is in my view pretty much equivalent with the exception of the next bullet point
  • Insurers invest in haram areas so to the extent you’re insuring with a certain return at the end such as life insurance, I need to do further thinking on this but preliminarily, the same rulings apply for any fund that you invest in that has haram holdings (see this article .)
  • Where you’re buying insurance linked to some kind of damage (car insurance) as opposed to any investing motive, preliminarily I don’t see any issues with this as you are contracting with the insurer, and what they independently do with their money is not your concern
  • It may be that life insurance, as opposed to other kinds of insurance, has particular issues with it – I can’t pass comment on that until further research
  • With regards to compulsory insurance like car insurance or employers’ liability insurance – this is of course fine to get from a Shariah perspective even if all my arguments above are wrong

And, as I said at the start, my thinking on this topic is still maturing as I read deeper into it. I would consequently be interested in hearing other people’s views, thoughts, and critiques of what has been written here so that we can deepen each other’s knowledge.

Please remember to subscribe to our email list (box on the top right).

Also, while you’re here and thinking about planning your finances after you pass away for your loved ones, you should also think about sorting out your Islamic will. On average people misplace assets or lose through tax inefficiency up to £9700 when they die without a will. On top of that as a Muslim having a will is super important so that your inheritance is separated up the Islamic way. So if you’re a UK resident, then please do check out IFG Wills and get your Islamic will sorted within 30 minutes.

Further resources:

  • https://www.amjaonline.org/the-question-of-insurance-part-i/  – An excellent summary of the conventional arguments against insurance
  • https://practicalislamicfinance.com/wp-content/uploads/2017/01/dissent-of-mustapha-al-zarqa.pdf
  • https://archive.org/details/FinancialTransactionsInIslamicJurisprudenceVolume1
  • Gharar in contracts and and its effects in modern applications – Dr. Muhammad Al-Ameen Ad-Dareer [Arabic]
  • The Insurance System – its reality and a legal opinion on it – SH. Mustafa Zarqa [Arabic]
  • Radd al-Muhtaar ala al-Durr al-Mukhtaar Sharh Tanweer al-Absaar – Muhammad Ameen ibn Abideen [Arabic]
  • http://www.jamaalzarabozo.com/audio/insurance.pdf – Sh. Zarabozo article on Insurance

Ibrahim is a published author and Islamic finance and investment specialist. He is currently the CEO of Islamicfinanceguru and its sister investment company Cur8 Capital. He holds a BA in Philosophy, Politics, and Economics from the University of Oxford, an Alimiyyah degree from the Al Salam Institute, and an MA in Islamic Finance. Prior to setting up Islamic Finance Guru, Ibrahim was a corporate lawyer. He trained at Ashurst LLP and then specialised in private equity and venture capital funds at Debevoise & Plimpton LLP. He holds a Diploma in Investment Advice & Financial Planning & Certificate in Investment Management. Publication: Halal Investing for Beginners: How to Start, Grow and Scale Your Halal Investment Portfolio (Wiley) Ibrahim is a published author and Islamic finance and investment specialist. He is currently the CEO of Islamicfinanceguru and its sister investment company Cur8 Capital. He holds a BA in Philosophy, Politics, and Economics from the University of Oxford, an… maxLength" x-text="isCollapsed ? 'Read less' : 'Read more'" class="underline transition-all duration-300 link-color text-theme-green decoration-transparent hover:decoration-theme-green underline-offset-4">Read More

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travel insurance in islam

When Is It Permissible to Get Insurance?

Answered by shaykh abdul-rahim reasat.

Assalamu ‘alaykum.

I heard that if insurance is not mandatory one should not get it, as with life insurance. What is the ruling on getting health insurance for people who are traveling and employment insurance from the government for eligible individuals?

Wa ‘alaykum assalam wa rahmatullah wa barakatuh.

I pray you are well.

In general, insurance is impermissible. Please refer to this answer for more information on this ruling. 

Travel insurance has the default ruling of impermissibility unless one is traveling to a destination where there is an overwhelming possibility of ending up in a situation that would leave one in extreme hardship. An example of this could be someone traveling to a war-torn country for aid, where an injury is likely and medical costs are high. 

Other forms of insurance should be avoided. If an employer arranges a contract for the employee then there is no sin or blame on the employee. He may benefit from the policy should the need arise.

May Allah grant you the best of both worlds.

[Shaykh] Abdul-Rahim

Checked and Approved by Shaykh Faraz Rabbani

Shaykh Abdul-Rahim Reasat began his studies in Arabic Grammar and Morphology in 2005. After graduating with a degree in English and History, he moved to Damascus in 2007, where, for 18 months, he studied with many erudite scholars. In late 2008 he moved to Amman, Jordan, where he continued his studies for the next six years in Sacred Law (fiqh), legal theory (Usul al-fiqh), theology, hadith methodology, hadith commentary, and Logic. He was also given licenses of mastery in the science of Quranic recital. He was able to study an extensive curriculum of Quranic sciences, tafsir, Arabic grammar, and Arabic eloquence.

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Purchasing travel insurance for fear of expected detention

travel insurance in islam

Asslamu alaykum, we have have family trip booked for eid to go back home to visit family who me,my wife and kids havent seen for 10 years. I am worried as the trip costs alot of money and i am always stopped and detained by anti terror police every time i travel. the new laws introduced this year mean it is even worse now. I know insurance is haram, but would like to know if under these circumstances i am permitted to take out travel insurance to cover me in case i am detained and miss my flight? Jazakallahu khairan

All perfect praise be to Allaah, The Lord of the Worlds. I testify that there is none worthy of worship except Allaah, and that Muhammad, sallallaahu ‘alayhi wa sallam, is His slave and Messenger.

Since the said insurance is optional and you want it for fear of something expected, then it is not permissible to subscribe to it if it is the commercial type, which is based on risk and chance as stated in Fatwa 81425 .

It does not become permissible for you to purchase this insurance based on what you have mentioned. So, you should place your trust in Allaah and depend on Him to keep you from harm and protect you from what you fear.

You should know that what Allaah has is only obtained by obeying Him and not by disobeying Him. Allaah says (what means): { And whoever fears Allaah – He will make for him a way out, and will provide for him from where he does not expect. And whoever relies upon Allaah – then He is sufficient for him. Indeed, Allaah will accomplish His purpose. Allaah has already set for everything a [decreed] extent. } [Quran 65:2-3]

Allaah Knows best.

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What Is Takaful Insurance and How Does It Work?

Julia Kagan is a financial/consumer journalist and former senior editor, personal finance, of Investopedia.

travel insurance in islam

Investopedia / Michela Buttignol

What Is Takaful?

Takaful is a type of Islamic insurance wherein members contribute money into a pool system to guarantee each other against loss or damage. Takaful-branded insurance is based on sharia or Islamic religious law, which explains how individuals are responsible to cooperate and protect one another. Takaful policies cover health, life, and general insurance needs.

Takaful insurance companies were introduced as an alternative to those in the commercial insurance industry, which are believed to go against Islamic restrictions on riba (interest), al-maisir (gambling), and al-gharar (uncertainty) principles—all of which are outlawed in sharia.

Key Takeaways

  • Takaful is a type of Islamic insurance wherein members contribute money into a pool system to guarantee each other.
  • Takaful-branded insurance is based on sharia or Islamic religious law and covers health, life, and general insurance needs.
  • Any claims made by participants are paid out of the takaful fund.

Understanding Takaful

All parties or policyholders in a takaful arrangement agree to guarantee each other and make contributions to a pool or mutual fund instead of paying premiums. The pool of collected contributions creates the takaful fund. Each participant's contribution is based on the type of coverage they require and their personal circumstances. A takaful contract specifies the nature of the risk and the length of the coverage, similar to that of a conventional insurance policy.

The takaful fund is managed and administered on behalf of the participants by a takaful operator, who charges an agreed-upon fee to cover costs. Much like a conventional insurance company, costs include sales and marketing, underwriting, and claims management.

Any claims made by participants are paid out of the takaful fund and any remaining surpluses, after making provisions for the likely cost of future claims and other reserves, belong to the participants in the fund—not the takaful operator. Those funds may be distributed to the participants as cash dividends or distributions, or via a reduction in future contributions. 

An Islamic insurance company operating a takaful fund must operate under the following principles:

  • It must operate according to Islamic cooperative principles.
  • A reinsurance commission may only be received from or paid out to Islamic insurance and reinsurance companies.
  • The insurance company must maintain two separate funds: a participant and policyholder fund, and a shareholder fund.

Special Considerations

According to Allied Market Research, the global takaful insurance market was valued at $24.85 billion in 2020 and is projected to reach $97.17 billion by 2030, growing at a CAGR of 14.6% from 2021 to 2030.  

Since 60% of the global Muslim population is comprised of young Muslims—less than 25 years of age—this demographic can represent a sizeable customer base as their wealth grows over time.

Some of the largest names in the takaful market, according to a Research and Markets report, were believed to be the following:

  • Islamic Insurance Company
  • Standard Chartered
  • Takaful Brunei Darussalam Sdn Bhd
  • Prudential BSN Takaful Berhad
  • Zurich Malaysia
  • Takaful Malaysia
  • Qatar Islamic Insurance Company.

Takaful vs. Conventional Insurance 

Most Islamic jurists conclude that conventional insurance is unacceptable in Islam because it does not conform with sharia for the following reasons:

  • Conventional insurance includes an element of al-gharar or uncertainty.
  • Conventional insurance is based on the concept and practice of charging interest. Islamic insurance, on the other hand, is based on tabarru, where a portion of the contributions made by participants is treated as a donation. This is why policyholders in takaful are usually referred to as participants.
  • Conventional insurance is considered a form of gambling.

Institute of Islamic Banking and Insurance. " Islamic Insurance (Takaful) ." Accessed July 7, 2021.

Allied Market Research. " Takaful Insurance Market Outlook—2030 ." Accessed July 7, 2021.

Research and Markets. " Takaful Market: Global Industry Trends, Share, Size, Growth, Opportunity and Forecast 2021-2026 ." Accessed July 7, 2021.

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HALAL TRAVEL INSURANCE

HALAL TRAVEL INSURANCE

Islamic travel insurance halal travel insurance.

A halal travel insurance is defined by an Islamic financial protection or guarantee that covers Muslim travelers during their holidays or pilgrimages against the risks they may face.

Halal travel insurance is takaful vacation insurance that is based on Islamic finance principles and is different from conventional insurance.

A halal insurance for the holidays is logical to take because what could be more contradictory to take a halal therefore Islamic holidays in insurance by an insurer who invests the funds in projects going against Islam.

Islamic travel insurance operates on the basis of Islamic finance or takaful and is approved under Islamic law.

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Islamic Spiritual Knowledge Hub

Is Working in Insurance and Selling Insurance Haram/Halal?

This is a complete Islamic guide on is working in insurance and selling insurance haram or halal . Whether you’re looking to work in an insurance company and selling life, car, health, house, travel or even phone insurance. This guide has all the answers.

All evidence is from the Qur’an and authentic (sahih) hadith from the Sunnah.

is working in an insurance company and selling insurance haram or halal?

Is Working in Insurance and Selling Insurance Haram? (Life, Car, Home, Health, Medical, Travel, Phone)

Working in a conventional insurance company is haram in Islam . Whether that be to sell life insurance, car insurance, home, travel or even health and medical insurance. This is because insurance companies make money from interest/usury (Riba) and other haram activities such as gharar and maysir.

Working as part of an insurance company you may have to sell or have a part in selling haram contracts/policies to your clients. Since the income generated by insurance companies is haram. Islamic scholars have given the fatwa that your employment salary will be coming from haram income. So your income will NOT be halal.

This includes:

  • Working as an underwriter for an insurance company.
  • Selling insurance contracts as a sales person (e.g. car insurance , life, health, house, phone or travel insurance)
  • Being a witness or providing assistance or guidance to insurance contracts despite not selling the contracts yourself.
  • Being an insurance agent for contracts such as life, health or property insurance.
  • Investing in insurance companies.
  • Working for a loan company, credit card firm or working in conventional banks.

All these companies and jobs directly or indirectly operate with interest (riba) and benefiting or selling riba is haram in Islam. And so all four schools of thought consider selling conventional insurance to be harām in Islam. Hanafi , Shafi’i, Maliki and Hanbali all state it is not permissible for a Muslim to help or support someone in sin.

Why is it Haram to Sell Insurance & Work in Insurance Companies? (Life, Car, Home, Health, Medical, Travel, Phone)

Selling insurance and working for insurance companies is haram in Islam because insurance companies deal with haram. Such as Interest (Riba), gambling (Qimar) and uncertainty (Gharar). And in Islam it is prohibited to sell and make money from selling haram.

The evidence of this is found in the authentic hadith of the Prophet (peace be upon him). Where we learn that if Allah has made something something haram then selling it is also haram. So because insurance is haram, selling insurance is also haram.

Narrated Ibn ‘Abbas reported that the Messenger of Allah (peace be upon him) said:

“When Allah declares something forbidden for the people, He declares its price (i.e. selling) also forbidden (haram) for them .”

[Sunan Abi Dawud • Book 24, Hadith 73 • Graded Authentic (Sahih)]

In Islam dealing with interest/usury is forbidden and considered a major sin. Any transaction where you give money and expect money back with an increase is riba. And insurance companies deal heavily with interest/usury. Which does not conform with sharia-law and therefore is not allowed.

Some of the way insurance companies deal with riba (interest/usury) are:

The policyholder pays the insurance company a monthly premium. And expects a guaranteed return of money with an increase if a calamity strikes and they make an insurance claim.

Insurance companies also invest their customer’s money in interest-based banking and haram companies in the stock market. This is to cover their losses and make larger profits. For more details on how insurance companies make money click here .

In the Qur’an, Allah strictly prohibits dealing with riba (interest/usury):

“Those who consume interest cannot stand (on the Day of Resurrection) except as one stands who is being beaten by Satan into insanity. That is because they say, “Trade is (just) like interest.” But Allah has permitted trade and has forbidden interest .

So whoever has received an admonition from his Lord and desists may have what is past, and his affair rests with Allah. But whoever returns (to dealing in interest or usury) – those are the companions of the Fire; they will abide eternally therein. ” – [Qur’an 2:275]

If you work in an insurance company and sell insurance contracts then you will be selling contracts that contain riba (interest/usury). And in Islam it is a sin to help or support someone in sin or haram. So you cannot sell conventional health, home, car, phone or life insurance.

Allah commands us to cooperate with people in good work and prohibits us from helping others in sin or haram activity:

“Cooperate with one another in goodness and righteousness, and do not cooperate in sin and transgression . And be mindful of Allah. Surely Allah is severe in punishment.” – [Qur’an 5:2]

Working in Haram Company and having Haram Income

Working in haram company and having haram income your du’as (supplications) will not be answered. There will be no blessings or protection in your income and Allah may punish you for earning haram if He so wishes.

We learn this from the hadith of the Prophet (peace be upon him). Where he informs us of a man who is in desperate need of Allah. But the man is nourished by earning haram and so his supplication (dua) is not answered.

Abu Huraira reported Allah’s Messenger (peace be upon him) as saying:

“O people, Allah is Good and so He accepts only that which is good. And Allah commanded the believers as He commanded the Messengers by saying: “O Messengers, eat of the good (halal) things, and do good deeds. Verily I am aware of what you do”. – Quran [23:51]

And He said: “O those who believe, eat of the good (halal) things that We gave you” – [Qur’an 2:172]

He then made a mention of a person who travels widely. The person’s hair is disheveled and covered with dust (i.e. he is in a desperate situation and in need of Allah to answer his dua). He lifts his hand towards the sky (and thus makes the supplication): “O Lord, O Lord,”. Whereas his food is haram, his drink is haram, and his clothes are haram and his nourishment is haram (i.e. he earns through haram and that is what he is nourished and clothed with). The Prophet (peace be upon him) then remarked: “Then how can his supplication be accepted? “”

[Sahih Muslim • Book 12, Hadith 83 • Graded Authentic (Sahih)]

What do I do if I’m already working in a Haram Insurance Company?

As a general rule, if you are already working for an insurance company and do not have other means of income. Then you should seek a fatwa from a trusted scholar/mufti who can look into your particular case and give you guidance.

Everyone’s personal circumstances and job role is different. Some may have a higher degree of haram in their job where they are directly selling or being witness to haram insurance contracts.

Others may have some elements of haram but the bulk of their job is not necessarily haram. And so they may not have to quit straight away but actively look for another job.

The scholar will look into your individual circumstances. Then he will decide whether your job entails too many haram elements and whether you should repent to Allah and quit straight away.

Or that you are not required to quit immediately but you look for another job while still being in your current job. And give lots of charity to purify your wealth from any haram income while you actively look for another job.

When is Working in an Insurance Company Halal? (Life, Car, Home, Health, Medical, Travel, Phone)

Working in a conventional insurance company and selling insurance is NOT halal in Islam. But some scholars state that if your job does not directly entail selling or being witness to insurance contracts then your job in insurance companies may be halal.

For example if you are a janitor/cleaner in an insurance company this is permissible according to some scholars. This is because you are not directly selling or being a witness to insurance contracts yourself. Nor are you underwriting policies for haram health, life or car insurance policies.

How to Sell Insurance to a Muslim?

Conventional insurance is prohibited (haram) for Muslims. If you want to sell insurance to a Muslim then the insurance policy must be sharia-compliant. It must not contain interest/usury.

In Islam Muslims have a sharia-compliant policy known as Takaful. Takaful insurance policies provide insurance coverage which is permissible (halal) for Muslims . Whether that be for health, life or car insurance.

Takaful is an interest-free alternative to conventional insurance. It is a cooperative based insurance system where Muslims come together to contribute to a mutual fund. When somebody suffers a loss they can use the funds to help each other. You may sell a takaful insurance policy to a Muslim.

As a general rule, selling insurance and working in a conventional insurance companies is haram in Islam. A Muslim should refrain from working in insurance companies. Whether that be to sell life insurance, car, home, travel, phone or even health and medical insurance.

All evidence provided is from the Quran and authentic (sahih) hadith.

Share this page with your family and friends so they can also learn about is working in insurance and selling insurance haram or halal in Islam .

And Allah the Most Knowledgeable knows best.

travel insurance in islam

ISLAMIC TRAVEL INSURANCE

ISLAMIC TRAVEL INSURANCE 2024

Travel takaful islamic travel insurance halal travel insurer holidays cover 2024.

An Islamic travel insurance is an insurance that covers an insured against the risks associated with a trip or a trip, and at the same time complies with the framework of Islamic insurance policies

The travel Takaful is a halal insurance cover that does not use the conventional framework of travel insurance, in which the insurance premiums paid by the Muslim insurer land in speculative financial funds that are contrary to Sharia law.

Halal travel insurance is a way to supplement the ethics of a trip especially if it is halal holidays for example, otherwise why opt for halal trips or make a sacred pilgrimage if one uses insurance that speculates on markets in investments that are not ethical.

Islamic travel insurance covers the following risks: repatriation in case of illness or accident, loss of luggage, hospitalization and medical expenses.

Islamic Portal

Finance & Trade Fiqh Halal and Haram

Travel Insurance

In many countries, public healthcare is not freely available. Hence when travelling abroad, should a visitor require medical assistance, this will incur costs to the person. In some cases, these costs can be considerably expensive. Further, should something like medical repatriation be required to the visitor’s home country, this can run into hundreds of thousands of pounds, with charter flights and the costs of medical professionals such as doctors and nurses. Therefore, is there any leeway for taking out medical or travel insurance to cover this eventuality considering the costs that could be incurred?

بسم الله الرحمن الرحیم

As explained in an earlier answer on medical insurance in the UK , the default position on insurance is impermissibility due to gharar (uncertainty) and qimār (gambling) therein. However, in light of the reasons outlined, travel insurance is excused based on need. If there is a not-for-profit firm that provides this service, this should be used.

قال ابن أمير حاج في التقرير والتحبير (٣/٢٦٤) وابن نجيم في الأشباه والنظائر (ص ٧٣): الضرورات تبيح المحظورات. وقال المفتي محمود حسن الجنجوهي في فتاويه (٢٤/٤٥٤) وأقره شيخنا المفتي أحمد الخانفوري في فتاويه (٣/٣٧٢): سوال: موجودہ زمانہ میں بیمہ کرانا اپنا یا دوکان اور موٹر وغیرہ کا کیسا ہے؟ الجواب : بیمہ میں سود بھی ہے اور جوا بھی، یہ دونوں چیزیں شرعا ممنوع ہیں، لیکن اگر کوئی شخص ایسے مقام پر اور ایسے ماحول میں ہو کہ بغیر بیمہ کرائے جان ومال کی حفاظت ہی نہ ہوسکتی ہو یا قانونی مجبوری ہو تو بیمہ کرانا درست ہے۔

Allah knows best

Yusuf Shabbir

18 Muḥarram 1445 / 5 August 2023

Approved by: Mufti Shabbir Ahmed and Mufti Muhammad Tahir

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Can we purchase health insurance for travel?

Dear Mufti Saheb , Is it permissible to purchase health insurance if we are travelling to Canada or USA where if we fall sick the hospital bills (medical services) are very high. Jazakallah Khair

In principle, it is not permissible to take out a health insurance policy.

However, due to the circumstances referred to by you, we advise you purchase the tickets by paying through a masters card which facilitates for unforseen circumstances as referred to by yourself.

and Allah Ta’ala Knows Best

Mufti Ebrahim Desai FATWA DEPT.

This answer was collected from Askimam.org, which is operated under the supervision of Mufti Ebrahim Desai from South Africa.

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General Wear and Tear Drunk Driving or driving without a valid driving license Any intentional damage Damage due to war or war like situations

This policy provides indemnity to the Insured if any employee in the Insured’s immediate service shall sustain bodily injury by accident or contracts disease arising out of and in the course of his employment by the Insured in the Business and if the Insured shall be liable to pay compensation for such injury either under.

That a proper statutory audit is carried out periodically. In case of loss, we have full rights to examine your books. All moneys payable to the guilty employee shall be ours to recover / the claim shall be reduced to the extent.

The fire insurance policy of property insurance offers protection against any unforeseen damage due to fire or other perils covered under the policy. There are also policies under the section which gives comprehensive coverage, including protection to boilers and plants, computers, medical, biomedical, microprocessor, mechanical and electrical machinery and/or equipment, among other things.

Machinery and Equipment used in various industries are exposed to risks of unforeseen and sudden mechanical or electrical breakdown resulting in loss or damage. Such losses may be repairable or sometimes need replacement.

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  2. Takaful insurance in Islam: Understanding the Islamic perspective on

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  3. Is Insurance Haram/Halal? (Life, Health, Home, Travel)

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  1. the travel insurance #DrMuhammadSalah #fatwa #islamqa #hudatv

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COMMENTS

  1. Is Insurance Haram?

    Commercial insurance is haram in Islam because it is a form of riba and it is based on gambling and uncertainty. It also consumes people's wealth unjustly. Co-operative insurance is also haram in Islam. For more, see the detailed answer. Answer Contents Related Praise be to Allah. Commercial insurance is a form of riba

  2. Is Travel Insurance Halal or Haram in Islam?

    Halal travel insurance is a Shariah-compliant substitute for regular travel insurance that follows Islamic guidelines. And stay away from actions that are forbidden by Islam. To make sure you select the appropriate coverage for your trip needs, consider the following guidelines for halal travelers insurance:

  3. Is Insurance Haram/Halal? (Life, Health, Home, Travel)

    2. Intention & Contracts in Islam When Is Convetional Insurance Halal in Islam? Is it Haram to Claim Insurance? Takaful - The Halal Alternative to Conventional Insurance (with evidence) Is Insurance Haram in Islam? - Read This First! Conventional insurance is haram in Islam.

  4. Is Travel Insurance Haram in Islam? Read This!

    Is Travel Insurance Haram in Islam? Read This! Is Travel Insurance Haram in Islam? Read This! (Photo source: Pexels) Hi all readers! Are you looking for an explanation about " is travel insurance haram in Islam ?"? If your answer is "Yes", congratulations! Now you are reading the right article. Why?

  5. Is Travel Insurance Haram? Dos and Don'ts of Halal Travel Insurance

    Arguments Against Travel Insurance in Islam 1. Riba (Interest) in Travel Insurance Riba, or interest, is prohibited in Islam, as it is considered unjust and exploitative.

  6. Can I buy or sell Travel Insurance?

    Answer Bismillah Al-jawab billahi at-taufeeq (the answer with Allah's guidance) It will not be permissible. Also, the money that you made from selling the insurance is Haraam and must be given to those eligible for charity without any hope for reward. Please refer to: http://www.muftisays.com/qa.php?viewpage=viewQA&question=3511

  7. Is Insurance Halal or Haram? Muslim Finance

    Islam forbids transactions in which there is gharar. The argument against conventional insurance goes that this is a gharar -based transaction where something uncertain is being bought in exchange for a premium - so is not allowed.

  8. When Is It Permissible to Get Insurance?

    Travel insurance has the default ruling of impermissibility unless one is traveling to a destination where there is an overwhelming possibility of ending up in a situation that would leave one in extreme hardship. An example of this could be someone traveling to a war-torn country for aid, where an injury is likely and medical costs are high.

  9. Purchasing travel insurance for fear of expected detention

    Since the said insurance is optional and you want it for fear of something expected, then it is not permissible to subscribe to it if it is the commercial type, which is based on risk and chance as stated in Fatwa 81425. It does not become permissible for you to purchase this insurance based on what you have mentioned.

  10. Is selling travel insurance without promotion and donating ...

    Many 'ulama are involved in answering the Q&A on the site, including: Shaikul Hadeeth Mufti Umar Farooq Sahib, Mufti Saifur Rahman Sahib, Mufti Abdullah Patel Sahib, Maulana Qamruz Zaman Sahib, Mufti Abu Bakr Karolia Sahib. Read answers with similar topics: gambling haraam income insurance Interest Is Travel Insurance Haram?

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    Is travel insurance allowed for exceptional circumstances like injury requiring Air Ambulance? School Field Trips without Mahram; Is it permissible for me to purchase a refurbished cell phone form an insurance company? I am a student in high school, and typically, my school organizes field trips that require traveling. So is it permissible for ...

  12. What Is Takaful Insurance and How Does It Work?

    Takaful is a type of Islamic insurance, where members contribute money into a pool system in order to guarantee each other against loss or damage. Takaful-branded insurance is based on Sharia ...

  13. Halal Travel Insurance

    A halal travel insurance is defined by an Islamic financial protection or guarantee that covers Muslim travelers during their holidays or pilgrimages against the risks they may face. Halal travel insurance is takaful vacation insurance that is based on Islamic finance principles and is different from conventional insurance.

  14. Is Working in Insurance and Selling Insurance Haram/Halal?

    As a general rule, selling insurance and working in a conventional insurance companies is haram in Islam. A Muslim should refrain from working in insurance companies. Whether that be to sell life insurance, car, home, travel, phone or even health and medical insurance. All evidence provided is from the Quran and authentic (sahih) hadith.

  15. Islamic Travel Insurance 2023

    Islamic travel insurance covers the following risks: repatriation in case of illness or accident, loss of luggage, hospitalization and medical expenses. ISLAMIC TRAVEL INSURANCE 2023

  16. Travel Insurance

    Answer. As explained in an earlier answer on medical insurance in the UK, the default position on insurance is impermissibility due to gharar (uncertainty) and qimār (gambling) therein. However, in light of the reasons outlined, travel insurance is excused based on need. If there is a not-for-profit firm that provides this service, this should ...

  17. I have a question which is a bit controversial, I joined a company

    Is selling travel insurance without promotion and donating proceeds to charity permissible in Islam? I have a question which is a bit controversial, I joined a company called world wide travel plan as an affiliate, they gave me a free website and a free company email, but the thing is the main purpose is to sell travel insurance.

  18. Is it permissible in Islam to have a travel insurance?

    Is it permissible in Islam to have a travel insurance?HalalHolidayWarranty Like our content? Why not support us:https://support.emanchannel.tv/Watch | Share...

  19. Travel Insurance in Islam Archives

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  20. Travel Insurance

    GET A QUOTE What's covered: Overseas Emergency Medical Expenses & Hospitalization. Loss of Personal Baggage, Personal Money & Passport during your trip. Baggage Delay. Travel Delayed Departure. Liability for harm or damage you accidentally cause 24-hour emergency assistance Emergency medical evacuation & repatriation in case of illness or accident.

  21. Can we purchase health insurance for travel?

    Answer. In principle, it is not permissible to take out a health insurance policy. However, due to the circumstances referred to by you, we advise you purchase. the tickets by paying through a masters card which facilitates for unforseen. circumstances as referred to by yourself. and Allah Ta'ala Knows Best.

  22. Travel Insurance Plan

    General Takaful's Travel Insurance Policy is specially designed to cover your expenses due to medical and non-medical emergencies occurred during your travel to protect your trip investment and personal comfort. General Takaful policy provides you with the following coverage: Medical and emergency assistance. Personal assistance benefits.

  23. Qatar Islamic Insurance Company

    Our services include; Car Insurance | Liability Insurance | Fire Insurance | Travel Insurance & more! Personal Corporate Investor Relation; [email protected] +974 4465 8888; E; ع; Salvage Auctions ... Qatar Islamic Insurance Group disclosed its reviewed financial statements for the period ended 30.9.2023. The statements shows that shareholders...

  24. What does travel insurance cover?

    Trip cancellation coverage. Trip cancellation insurance reimburses you for nonrefundable costs on a trip you cancel before leaving. It can cover up to 100% of what you paid for flights, hotels ...