التأمين الصحي : أحكامه و ضوابطه في الفقه الإسلامي : دراسة فقهية مقارنة

الملخص EN

We have helped and reconciled God with the following steps : in this research, we addressed the importance of social solidarity in Islam and the need for health insurance, which is motivated by the use of health insurance.

we addressed the definition of health insurance, its types, characteristics and methods of providing medical care services in health insurance.

the research dealt with the legal adaptation of health insurance and we said that health insurance, if carried on the Ja'alah, is permissible because of the evidence mentioned from the Book and the Sunnah in the research, and also the origin in the contracts and conditions of legalization and solution.

unless it comes from the street as evidence of prohibition, as well as ignorance in the health insurance contract if there is forgiveness and exempt from it, it will not be rewarded in the Ja'alah and rent for the benefit or guarantee of the unknown, and the jurists have stated that ignorance, if any, in these transactions does not harm the contract.

Also, the contracts of netting in sharia are based on bringing interests and preventing evils, and most of its buildings are ijtihad, and unlike worship, its building is follow-up and conciliation,which is god's right.

the other is the rights of the servants, which God has legislated to consider and strive for.

the research concluded that insurance is two types-cooperative and commercial-and cooperative insurance is considered as donations and falls within the framework of solidarity, solidarity and cooperation on land and piety and this insurance is not intended for profit, but sympathy and attachment, which is permissible for scientists other than commercial insurance, it has deprived all the image of most contemporary scientists.

the research addressed the legal controls of health insurance and the need for a legitimate oversight body to verify the legitimacy of transactions made to collect profits or to develop money.

the research also addressed the practical aspect of health insurance by addressing two models : the Egyptian-Saudi insurance house, an insurance company that adopts the principle of solidarity that formulates insurance as purely donated work.

the second is Saudi insurance company : an insurance company that operates in accordance with the regulations guaranteed by the decision of the Saudi Arabian senior scholars authority and invests its funds in accordance with the provisions of the speculative contract.

the research concluded by mentioning the most important findings of the study.