صناعة التأمين التعاوني كبديل للتأمين التجاري التقليدي : تجربة التأمين الصحي التعاوني بالمملكة العربية السعودية

الملخص EN

The insurance industry is an inevitable necessity within the structure of the modern economic system, which mainly affects the protection of other financial industries and the economy as a whole, and the emergence of Islamic banking and investment institutions, which required companies to protect them from the risks of financial and commercial operations.

The Cooperative insurance industry has succeeded in accessing into the field of relative competition the evidenced the fact that many traditional insurance companies have become Shari'a compliant in many countries.

In the past two decades takaful insurance has been known for a great deal of growth, Which has many legal irregularities.

In this paper, we will present a general overview of the Cooperative insurance system by defining its concept, characteristics and basic methods for practicing it, and clarifying how Cooperative insurance will be adapted as an alternative to traditional insurance, in addition to presenting the cooperative health insurance experience in Saudi Arabia.