![](/images/graphics-bg.png)
Takaful : Gharar in insurance
السؤال
Assalamu 'alaikum Dr. Kahf, I pray this message finds you in good health and ever-increasing Iman ! I've glanced over the various insurance-related Fatawa on your website-JazakAllah Khair. Recently, I read a response to the assertion that insurance contracts are free of Gharar due to the statistical data they use to ascertain the probability of various eventualities : "urging the permissibility of insurance, one Muslim modernist has written that the very precise statistical data possessed by insurance companies concerning the probabilities of various eventualities makes what they are selling determinately known (Ma'lum). This argument fails when one realizes that statistical data from a group of events yields figures that, properly speaking, are a description of the group as a whole, and are only analogically applied to the individual events within it. When generalized to similar groups of events in the future, such probabilities yield commercially useful knowledge about the likelihood of a particular outcome for these future groups. But they cannot and do not tell what the outcome will be for any particular member of the group, in this case the particular insurance policy. Thus, a "17 percent probability" that circumstances will enable one to collect such and such an amount on a policy is a mere description of the whole group of previous policy holders in similar circumstances, which does not tell whether one will collect the amount or not. One may collect a certain amount or may not collect it, which is precisely the Gharar that is impermissible." (Nuh Ha Mim Keller, "Reliance of the Traveler") would you kindly comment on the above ? JazakAllah Khairan ! Wasalam, Farooq
جواب الفتوى
أنقر هنالمشاهدة هذا المحتوى
تاريخ النشر
2011-07-29
التخصصات الرئيسية
الاقتصاد و التجارة
الدراسات الإسلامية
الموضوعات
عدد الصفحات
2
نوع البيانات
فتاوى
لغة النص
الإنجليزية
رقم السجل
BIM-729460
نمط استشهاد جمعية علماء النفس الأمريكية (APA)
Qahf, Mundhir. 2011-07-29. Takaful : Gharar in insurance. .
https://search.emarefa.net/detail/BIM-729460
نمط استشهاد الجمعية الأمريكية للغات الحديثة (MLA)
Qahf, Mundhir. Takaful : Gharar in insurance. 2011-07-29.
https://search.emarefa.net/detail/BIM-729460
نمط استشهاد الجمعية الطبية الأمريكية (AMA)
Qahf, Mundhir. 2011-07-29. Takaful : Gharar in insurance.
https://search.emarefa.net/detail/BIM-729460
قاعدة معامل التأثير والاستشهادات المرجعية العربي "ارسيف Arcif"
أضخم قاعدة بيانات عربية للاستشهادات المرجعية للمجلات العلمية المحكمة الصادرة في العالم العربي
![](/images/ebook-kashef.png)
تقوم هذه الخدمة بالتحقق من التشابه أو الانتحال في الأبحاث والمقالات العلمية والأطروحات الجامعية والكتب والأبحاث باللغة العربية، وتحديد درجة التشابه أو أصالة الأعمال البحثية وحماية ملكيتها الفكرية. تعرف اكثر
![](/images/kashef-image.png)