Islamic Insurance is a mutual effort to protect and mutual help
understanding of Islamic insurance
among a number of people, through investment in assets and which gives the pattern of return to face a particular risk through the contract in accordance with the National Islamic Council - Council of Ulama Indonesia (DSN-MUI).
Islamic insurance is a system where participants donate part or all of the contributions / premiums they pay are used to pay claims for disaster suffered by the other participants.
Understanding insurance - Concept of Islamic Insurance
In Islamic insurance is the term tabarru 'which is a contribution (in the definition of Islam = Grants - Benevolent Fund). There are some differences in terms of Islamic Insurance with conventional insurance.
In Islamic insurance insurance participants do risk sharing (risk sharing) with other participants. While in conventional insurance, the participants do transfer risk (risk transfer) to the insurance company. So, if customers make a claim of Islamic insurance, claims the funds come from the account tabarru '(virtue) of all participants. Unlike conventional insurance claims arising from insurance companies.
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