travel insurance in islam

Islamic Spiritual Knowledge Hub

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

This is a complete Islamic guide on is insurance haram or halal in Islam . Whether you’re looking for life insurance, car, health, or even insuring your home . This guide has all the answers with evidence from the Qur’an and authentic (sahih) hadith from the Sunnah.

Bismillah… to begin with the name of Allah.

Is Insurance Haram in Islam? – Read This First!

Conventional insurance is haram in Islam. Whether that be life insurance, car, health, home or even commercial insurance. This is because insurance involves non-sharia compliant elements of interest (Riba), gambling (Qimar) and uncertainty (Gharar). Which are all haram (prohibited) in Islam.

Types of haram insurance policies include;

• Mobile Phone Insurance
• House, Home, Building or Property Insurance
• Indemnity Insurance
• Education Insurance
• Funeral and Death Insurance (unless it’s Islamic sharia compliant cooperative insurance)
• Accident Insurance
• Dental Insurance
• Employment or Job Insurance
• Unemployment Insurance
• Income Protection Insurance
• Car, Motor, Vehicle or Auto Insurance (Disclaimer: unless it’s a legal requirement in your country, for more details see – Is Car Insurance Haram or Halal in Islam )
• Guaranteed Asset Protection (GAP) Insurance
• Bikes, Trucks or Van Insurance (Disclaimer: unless it’s a mandatory in your country, for more information please click here )
• Mortgage Protection Insurance
• Pet Insurance (e.g. Cat Insurance)
• Product Insurance
• Appliance Insurance
• Shipping Insurance
• Boiler Coverage Insurance
• Disability Insurance (Disclaimer: please seek advice from an Islamic scholar for your individual circumstances)
• Critical illness Insurance (Disclaimer: please seek advice from an Islamic scholar for your individual circumstances)
• Medical or Private Health Care Insurance (Disclaimer: please seek advice from an Islamic scholar for your individual circumstances)
• Landlord Insurance
• Renters or Tenants Insurance
• Contents Insurance
• Life Insurance
• Comprehensive Insurance (Disclaimer: unless it is a legal requirement in your country)
• Third Party Insurance (Disclaimer: unless it is a legal requirement in your country)

As a general rule, all four schools of thought consider the concept of conventional insurance to be harām in Islam. Hanafi , Shafi’i, Maliki and Hanbali all state the notion of conventional insurance goes against sharia law .

To learn why all these insurance policies are NOT halal please refer to the section on Why is Insurance Haram in Islam .

Disclaimer: If it is a legal requirement in your country to have a particular insurance policy. Then some scholars state that insurance may be halal (permissible) for you. For more details please refer to the section on is conventional insurance halal .

To understand why conventional insurance is prohibited in Islam. First let’s understand what insurance is and how insurance companies make money.

What is Insurance? (In Simple Words)

Insurance is a type of risk management. The policyholder pays an insurance company a premium to protect themselves or their assets against unfavorable future events. In the event of an accident, illness, damage or death the insurance company will pay the policyholder a sum for their losses.

A Policyholder is a person that takes out an insurance policy or contract with an insurance company.

Premium is the money the policyholder pays the insurance company for the insurance policy. This is usually paid on monthly installments.

There are many types of insurance policies such as life insurance, car, motor, house, health, travel, phone and commercial insurance.

The benefits of insurance are many but there are also disadvantages . Insurance policies provide the policyholder piece of mind and a financial security net against unforeseen events. For a minimal monthly fee the policy holder can gain back many times more; if or when a calamity occurs.

On the other hand, if no misfortune happens the policyholder may receive nothing . And this is the case for the majority of the people that take out standard insurance policies for cars and homes.

How do Insurance Companies Make Money? (Explained)

Insurance companies make money by pooling together a large amount of money from thousands of policyholders. Then they aggressively invest this money into bonds, interest-based banking and profitable ventures. Any unclaimed insurance policy premiums also adds to their profits.

For example, if you take out a car insurance policy and pay monthly premiums to your insurance company. But you had no accident so you did not make a claim during the year of your insurance policy. The monthly premium installments you paid for your insurance policy adds to the revenue of the insurance company.

Insurance companies strategically diversify their risks . Besides reinvesting policyholder premiums into interest based assets . Insurance companies hire expert statisticians and mathematicians to manage risk.

These experts calculate complex equations and trends of human society. Their calculation models predict how many people will make a claim on their policies. This lowers the risk factor of insurance companies. Therefore, insurance companies regularly make huge profits .

Why Is insurance Haram in Islam? (Life, Health, Home, Travel etc.)

Insurance is haram in Islam because it involves interest/usury (Riba), gambling (Qimar) and high levels of uncertainty (Gharar). These are all major sins in Islam and considered haram. This makes the contract of insurance prohibited for a Muslim under the principles of sharia law.

Whether that be health insurance, car, life, travel, or home insurance. Conventional insurance companies all have clear elements of gambling, interest and uncertainty . Therefore they are unacceptable and not permitted for a Muslim.

Let’s look in detail with examples how conventional insurance policies entail all these three major sins. And why are they not allowed in Islam. Then later we will also look at the Islamic takaful insurance model. Which is a halal insurance and is ethical and better than the conventional insurance model.

Gharar in Conventional Insurance Contracts (Explained with Evidence)

Gharar in Arabic means uncertainty . Gharar is the sale of something that is unknown or ambiguous.

Gharar in insurance contracts is that you are uncertain what you will get. You could pay insurance premiums for months/years but in the end get nothing. No misfortune happened so there was no payout. Or you could pay an insurance premium for one month and something happens and you get a huge payout.

This ambiguity in Islamic finance is known as gharar and gharar is haram . This is why in Islamic banking gharar is prohibited.

Allah prohibits Gharar in no less than two verses in the Qur’an:

“ Do not consume one another’s wealth unjustly .” – [Quran 2:188]

“O you who have believed, do not consume one another’s wealth unjustly but only (in lawful) business by mutual consent .” – [Qur’an 4:29]

The practice of Gharar by its essence is unfair and unjust. One party benefits over the loss of the other. And so Gharar is a predatory and unjust means of consuming other people’s wealth . Allah in His last and final revelation has prohibited such practices of consuming people’s wealth unjustly.

The Prophet (peace be upon him) also strictly forbade all transactions that include high levels of uncertainty (gharar).

Narrated on the authority of Abu Huraira that the Messenger of Allah (peace be upon him) forbade a transaction which involves some gharar (uncertainty).

[Sahih Muslim • Book 21, Hadith 8 • Graded Authentic (Sahih)]

Please note: This is different from uncertainty in business partnership which is halal. In business partnerships, two or more parties come together and they all take a risk in the business to share the risk and reward. This is known as profit and loss share. This is halal.

In conventional insurance contracts both parties are unaware of exactly what they will get. The policyholder nor the insurance firm is guaranteed an equitable risk and reward. Nor is there a fair profit and loss share. Rather one benefits over the loss of the other . This is gharar (uncertainty) and gharar is haram.

What if I think the benefits outweigh the harms in insurance policies?

The Prophet (peace be upon him) did not say that if both the seller and buyer are okay if one loses at the gain of the other then Gharar contracts are halal.

Insurance contracts come under Gharar Fahish (excessive uncertainty) . And the Prophet (peace be upon him) forbade all transactions of Gharar Fahish in clear terms with no exceptions. Even If the seller and buyer agree to the terms, Gharar contracts do not become permissible.

So if someone says that they think the benefits of gharar in insurance contracts outweighs the harms, this is besides the point. The Prophet (peace be upon him) forbade Gharar Fahish (high levels of uncertainty) – no exceptions .

For more details on what is gharar and why gharar is haram in Islam please click here .

Interest (Riba) in Conventional Insurance Contracts (Explained with Evidence)

Riba in Arabic means interest or usury . Riba is an increase added on the exchange of money for money transactions usually at a later date. In Islam money for money transactions should be done on the spot without any increase.

Interest in conventional insurance policies is that the policyholder pays monthly premiums. In exchange the policyholder expects a guaranteed return of higher money for their money in an unlikely event at a later date . This is pure riba (interest/usury) and riba is one of the major sins in Islam.

There are two types of Riba (interest) in Islam;

• Riba al-Fadl (Riba of surplus amount)
• Riba al-Naseeyah (Riba of delayed time)

Conventional insurance contracts are guilty of both types of Riba. Riba al-Fadl (Riba of increased amount) and Riba al-Naseeyah (Riba of delayed time). The policyholder expects a higher return at a later date if they suffer damage or loss.

Consuming or giving interest is one of the major sins in Islam. Allah strictly forbids us Muslims from interest/usury. The one who gives interest and the one who receives interest are both at war with Allah and His Messenger.

O you who have believed, fear Allah and give up what remains (due to you) of interest, if you should be believers.

And if you do not, then be informed of a war (against you) from Allah and His Messenger . But if you repent, you may have your principal – (thus) you do no wrong, nor are you wronged. – [Qur’an 2:278-279]

Qimar/Maysir in Conventional Insurance Contracts (Explained with Evidence)

Qimar means betting and maysir means gambling . They occur when the outcome of a transaction is left to chance with a possibility that one party may be at a total loss.

Qimar/Maysir in insurance contracts is that the outcome is left to chance. You could pay insurance premiums for years. No calamity occurred so you receive nothing. Or you could pay for a short term then a calamity strikes and you get a huge payout. This is the essence of gambling and betting.

In Islam gambling and betting are strictly prohibited (haram). Allah the Exalted says in the Holy Qur’an:

O you who have believed, indeed, intoxicants, gambling , (sacrificing on) stone altars (to other than Allah), and divining arrows are but defilement from the work of Satan, so avoid it that you may be successful.  – [Qur’an 5:90]

Muslim scholars discuss the element of Qimar/Maysir (gambling) in insurance policies in great detail.

In brief they state, if the policyholder knew that no misfortune will ever happen and they will get nothing. Then he/she would never waste their money towards an insurance policy.

And if the insurance company knew that the policyholder will have a misfortune in a few short months. And as per the insurance policy they would have to pay thousands/millions for someone who paid a minimum amount. Then they would never take on this policyholder.

This is the essence of betting/gambling (Qimar/Maysir). Where the outcome of a gain is left to chance and one party may be at a total loss.

The Argument Against Gambling being Present in Conventional Insurance Contracts

Some contemporary scholars have debated the existence of Qimar (betting) or Maysir (gambling) in conventional insurance contracts.

They compare buying insurance like buying stocks and shares of a company . And just like buying shares in a company you could lose all your money if the company goes bankrupt or gain huge profits if it excels. Similarly you may get nothing for your insurance policy or get huge gains if you make a claim.

So according to these contemporary scholars conventional insurance contracts are not considered gambling. Rather they can be compared to risking your money buying shares on the stock market.

On the face of it this analogy does make sense. However, scholars on the other side debated this analogy as baseless and non-nonsensical.

Let’s analyze if this analogy of insurance being like buying stocks and shares actually has any merit from an Islamic perspective:

Buying stocks and shares on the share market for a halal company is permissible in Islam. However, when you buy the shares of the company. They can go up in a few years or even down and you can lose some or all of your investment.

In Islam this is called a profit and loss share and so buying shares and stocks is not haram. This is because your investment is a business investment in a halal company and not a gamble like a lottery or a bet.

As long as you were strategic in your investment and your intention was to put money into a halal business to help it grow and share the profits. Your gains or losses in that business are halal and are not considered gambling. It’s simply the nature of business to go up or down.

Scholars state that insurance policies are NOT like buying stocks and shares. They bring three fundamental points to argue their claim:

1. Insurance companies are haram

Conventional insurance companies are non shariah-compliant businesses. They are haram businesses that make money from interest (riba) and gharar (uncertainty). So it would not be halal to invest and make money from such companies in the first place.

So the stocks and shares analogy makes no sense for insurance. This is because insurance shares would be haram to invest in even by a Muslim investor/stock broker on the stock market.

Any monetary benefit from an insurance claim cannot be compared to a monetary benefit from an investment in a halal company.

2. Intention & Contracts in Islam

In Islam actions are by intentions and transactions are defined by their contracts/agreements. Someone who is taking out an insurance policy is not doing it with the intention of an investment in the insurance business. Nor are they signing a contract of investment return if the insurance business does well. Rather they are doing it with the intention and contractual agreement of getting a payout if they suffer a loss .

So the contract for investment in a company is different to a contract of an insurance policy.

3. Insurance contracts are not ‘profit and loss share’ like the stock market

In Islam it is permitted to invest in a halal company and share profit and loss between different stakeholders.

Taking out an insurance policy is not ‘profit and loss share’. It is the opposite. One party gains at the loss of the other. Just like in betting, gambling or the lottery. So the risk factor of insurance vs stocks and shares is not the same.

Insurance companies lose out if the policyholder makes a claim while the policyholder benefits from the claim. And the policyholder loses out if they do not make a claim while the insurance company benefits by keeping the premiums. This is the essence of gambling where chance dictates who wins and loses.

So once again, the stocks and shares analogy has no relevance to conventional insurance contracts.

Conclusion on the Argument Against Gambling being Present in Conventional Insurance Contracts

Investment in the stock market and taking out an insurance policy are two very different transactions. So the two transactions cannot and should not be conflated.

Ultimately, even the scholars that debated the existence of Qimar (gambling) in insurance contracts. They did not deny the existence of riba (interest) and gharar (high levels of uncertainty) in insurance contracts.

So in conclusion: For discussion’s sake even if we accept the analogy that there is no element of Qimar (gambling) in insurance contracts. No one can deny the unambiguous clear-cut existence of interest (riba) and uncertainty (gharar) in insurance contracts. Which is haram so either way conventional insurance policies/contracts are haram.

When Is Convetional Insurance Halal in Islam?

As a general rule conventional insurance is NOT halal in Islam. Insurance consists of interest (Riba), uncertainty (Gharar) and gambling (Qimar/Maysir). But some scholars allow certain insurance policies to be halal if you did not purchase it or if it is out of dharoorah (necessity).

1. Free Insurance

An example of an insurance policy that you did not purchase is a free health insurance policy that your company may provide. If you did not purchase it and your company is providing it as part of your employment. Which is rare but it does happen. Then this insurance policy is halal.

This is because you did not purchase anything or put money into anything yourself. So there is no element of interest (Riba), uncertainty (Gharar) and gambling (Qimar).

If your employer is cutting out your salary to pay for insurance then this is a different matter. Here you would fall into interest (Riba), uncertainty (Gharar) and gambling (Qimar). And this would be haram.

Insurance out of dharoorah (necessity)

An example of dharoorah (necessity) in insurance policy is car insurance. In the UK it is against the law to drive without minimum third-party car insurance. So some Muslim scholars in the UK have allowed third-party car insurance under dharoorah (necessity). But this is an exception and not a general ruling for all insurance to be halal.

To support their argument they bring the verse of the Qur’an. In the Qur’an Allah has made pork forbidden (haram) for Muslims to consume. But in the same verse Allah says that if the halal is not available then the haram becomes permissible . This is out of necessity (dharoorah).

Similarly to avoid getting in trouble with the law by not having the bare minimum third-party insurance for your car. Third-party car insurance becomes halal out of necessity. As long as you know in your heart that it’s haram and you are only doing it out of necessity after seeking advice from a scholar.

Note: Some scholars argue that having a car is not a necessity for everyone. And so we cannot apply this verse to allowing car insurance.

He has only forbidden to you dead animals blood, the flesh of swine , and that which has been dedicated to other than Allah. But whoever is forced (by necessity), neither desiring (it) nor transgressing (its limit), there is no sin upon him . Indeed, Allah is Forgiving and Merciful. – [Qur’an 2:173]

However, despite scholars making insurance permissible due to necessity as an exception. It still doesn’t change the fact that Islamically conventional insurance is haram.

Therefore, even if you have to take out insurance because of the law in your country. As a believer you should not be content with it and always detest it in your heart.

This is essential because in essence you are doing something that is haram and transgresses the boundaries of Allah. And a true Muslim can never be content with disobeying Allah.

The Prophet (peace be upon him) informed us that “the reward for actions are by their intentions”. So it is crucial that in order for us to be forgiven and rewarded for what we do out of necessity we detest taking out insurance.

Narrated ‘Umar bin Al-Khattab:

I heard Allah’s Messenger (peace be upon him) saying, “The reward of deeds depends upon the intentions. And every person will get the reward according to what he has intended. ”

[Sahih al-Bukhari • Book 1, Hadith 1 • Graded Authentic (Sahih)]

Islam also has it’s own version of insurance known as takaful which we will discuss later.

Is it Haram to Claim Insurance?

As a general rule, conventional insurance is haram (prohibited) in Islam unless it is out of dharoorah (necessity). If you have an insurance policy out of necessity then it is not haram for you to make a claim under your insurance policy.

However, the scholars have differed regarding making an insurance claim. In general there are three opinions.

• If you make a claim you only take back what you originally paid in. Any amount above and beyond what you initially paid for your insurance is haram. Because that claim will have Gharar (uncertainty), Riba (interest/usury) and Qimar/Maysir (gambling).
• The one who caused the accident is responsible for covering the damage. And the one that got injured or suffered damages is entitled to compensation. So if you’re involved in an accident you may make a claim against the insurance policy of the one that caused you harm.
• Conventional insurance is haram in Islam. So it is not permissible to make a claim under an insurance policy. Nothing will befall us unless it be by the Decree of Allah. So we should be patient with the Decree of Allah and cover the losses from our own halal wealth. We should not resort to making a claim under haram insurance policies that contain interest, gambling and uncertainty.

Takaful – The Halal Alternative to Conventional Insurance (with evidence)

Takaful is a halal alternative to conventional insurance. It is a cooperative based insurance system where a group of people come together and make regular ‘donations’ to a mutual fund. When somebody suffers a loss they can access the funds and continue to contribute to help others in future.

Takaful means solidarity or mutual guarantee. Members in the takaful group contribute money to the takaful fund to guarantee each other against any future loss or damage . Takaful is a sharia compliant insurance plan for Muslims. Where Muslims come together to provide halal insurance for life, health, car and even education.

The intention of contributing to the takaful fund is donations to help those in need and not an investment/profiting. And because the contract/agreement is donations there can be no gharar (uncertainty) or riba (interest).

Takaful funds can be invested into sharia compliant ventures . This helps the fund grow over time for maximum benefit to the participants in their time of need. This is different to conventional insurance models. Where insurance premiums are invested into non-sharia compliant bonds and interest-based banking .

The benefits of takaful vs insurance is that takaful does not contain haram non sharia compliant elements. Such as qimar/maysir (betting/gambling), riba (interest/usury) and gharar (uncertainty). Takaful also encourages shared social responsibility, mutual support and donations to help those in need.

The evidence for the concept of takaful can be found in the hadith of the Prophet (peace be upon him). Where he praised the Ash`ari tribe for pooling their provisions together to help each other in the time of need.

Narrated Abu Musa:

The Prophet (peace be upon him) said. “When the people of Ash`ari tribe ran short of food during their campaigns. Or the food of their families in Medina ran short. They would collect all their remaining food in one sheet and then distribute it among themselves equally by measuring it with a bowl. So, these people are from me, and I am from them.”

[Sahih al-Bukhari • Book 47, Hadith 4 • Graded Authentic (Sahih)]

Allah also commands Muslims to cooperate together in good work and helping one another:

“ Cooperate with one another in goodness and righteousness ” – [Qur’an 5:2]

Conventional insurance is haram in Islam. Insurance contracts have gambling (Qimar), interest (Riba) and uncertainty (Gharar) in them. Which are all haram (prohibited) in Islam. Some scholars have allowed insurance in certain circumstances. Takaful is a halal Islamic alternative to insurance.

If you live in a country where it is unlawful for you to NOT have insurance. Then you may take out the bare minimum enforced insurance policy to be a law abiding Muslim. Otherwise as a Muslim you should avoid any conventional insurance contracts.

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

Disclaimer : You may have individual circumstances which may make insurance halal for you based on necessity. Such as a medical condition or disability. Seek advice with a trusted scholar for your specific personal situation and circumstances.

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

And Allah the Most Knowledgeable and Ever Wise knows best.

Related questions:

Is life insurance haram or halal.

As a general rule, conventional life insurance is haram in Islam because conventional insurance consists of haram non-sharia complaint elements of:

• Qimar/Maysir (Betting/Gambling)
• Gharar (Uncertainty)
• Riba (Interest/Usury)

There are two types of life insurance and both are haram:

• Term Life Insurance
• Whole Life Insurance

Is Health Insurance Haram or Halal?

Health insurance is haram in Islam because it involves uncertainty, gambling and interest. These are all major sins in Islam known as Gharar, Maysir and Riba. As Muslims we should put our trust in Allah Al-Shāfi (The Healer) for our health and well being and not resort to haram insurance.

Is Home Insurance Haram or Halal?

Home insurance is haram in Islam because insurance companies deal with interest (Riba), uncertainty (Gharar) and gambling (Maysir). It is Allah who protects our houses and families from any harm, not insurance companies. As a Muslim homeowner you should avoid haram conventional house insurance.

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 Insurance Haram?

Publication : 26-06-2000

Views : 263152

What are the rulings on commercial insurance which is widespread nowadays?

Summary of answer

Contents Related

Commercial insurance is a form of riba

Commercial insurance is based on gambling.

• Insurance is based on uncertainty 

Commercial insurance consumes people’s wealth unjustly

Is cooperative insurance halal.

Praise be to Allah.

All kinds of commercial insurance are clearly and undoubtedly riba (interest/usury). Insurance is the sale of money for money, of a greater or lesser amount, with a delay in one of the payments. It involves riba al-fadl (interest-based transaction) and riba al-nasiah (interest to be charged if payment is delayed beyond the due date), because the insurance companies take people’s money and promise to pay them more or less money when a specific accident against which insurance has been taken out happens. This is riba, and riba is forbidden in the Quran, in many ayat.

All kinds of commercial insurance are based on nothing but gambling which is haram according to the Quran:

“O you who believe! Intoxicants (all kinds of alcoholic drinks), and gambling, and Al-Ansab (stone altars for sacrifice to idols etc.) and Al-Azlam (arrows for seeking luck or decision) are an abomination of Shaytan’s handiwork. So avoid (strictly all) that (abomination) in order that you may be successful.” (al-Maidah 5:90 – interpretation of the meaning).

All kinds of insurance are kinds of playing with chances. They tell you, pay this much money, then if this happens to you we will give you this much. This is pure gambling. Insisting on differentiating between insurance and gambling is pure stubbornness that is unacceptable to any sound mind. The insurance companies themselves admit that insurance is gambling.

Insurance is based on uncertainty 

All kinds of insurance are forms of uncertainty, and transactions which involve uncertainty are forbidden according to many sahih ahadith, such as the hadith narrated by Abu Hurayrah (may Allah be pleased with him):

“The Messenger of Allah (peace and blessings of Allah be upon him) forbade transactions determined by throwing a stone and transactions which involved some uncertainty.” (Narrated by Muslim).

[“Transactions determined by throwing a stone” – this was a type of transaction that was prevalent in the markets of pre-Islamic Arabia, whereby a stone was thrown by either the buyer or the seller, and whatever it touched, its transaction became binding. “Transactions which involve some uncertainty” – is a transaction in which there is no guarantee that the seller can deliver the goods for which he receives payment. Footnotes from the translation of Sahih Muslim. (Translator’s Note)]

All forms of commercial insurance are based on uncertainty of the most extreme kind. Insurance companies and those who sell insurance refuse to insure cases except where there is clear uncertainty in whether or not the condition being insured against will happen or not. 

In other words, the condition being insured against must have a possibility of happening or not happening (as opposed to, for example, someone who has a pre-existing condition, such as a person who is on death row applying for life insurance--translator.) 

Moreover, this transaction involves something uncertain, which is when an accident will happen and the extent of the damage caused. Hence insurance combines three kinds of extreme uncertainty.

All kinds of commercial insurance consume people’s wealth unjustly, which is haram according to the Quran:

“O you who believe! Eat not up your property among yourselves unjustly” (al-Nisa 4:29 – interpretation of the meaning).

All forms of commercial insurance are fraudulent transactions aimed at consuming people’s wealth unjustly. The precise statistics calculated by one of the German experts state that what people get back from what has been taken from them is no more than 2.9%.

Insurance is an immense loss for the nation, and there is no evidence or excuse to be found in the actions of the kuffar who have lost the ties of kinship and friendship and are therefore forced to resort to insurance, which they hate as much as they hate death.

These are only some of the violations of shari’ah which insurance is essentially based upon. There are numerous other violations which we do not have room to mention here, and there is no need to do so, because just one of the violations which we have mentioned above is sufficient to make insurance one of the things which is most prohibited in the Shari’ah of Allah. 

It is a shame that some people are deceived by the ways in which the insurance companies make insurance attractive and confuse them by calling it “cooperative” or “mutual support ”or “Islamic”, or other names which do not change the unjust nature of insurance in the slightest. 

The insurance companies’ claim that the ‘ulama have issued fatwas stating that so-called “cooperative insurance'' is halaal, is a lie. The reason for this confusion is that some insurance companies approached the ‘ulama with a deceitful set-up which has nothing to do with any kind of insurance, but they said that it was a kind of insurance which they called “ cooperative insurance ” (to make it sound attractive and to confuse the people). 

They said that it was purely in the nature of a donation, and that it was a kind of the cooperation enjoined by Allah in the ayah (interpretation of the meaning): “Help you one another in Al-Birr and At-Taqwa (virtue, righteousness and piety)…” (al-Maidah 5:2), and that the aim was to cooperate in alleviating the overwhelming disasters that may befall people.

But in fact what they called cooperative insurance was just like any other kind of insurance; the only difference was in the way in which it was set up, not in its essential nature. It was far from being any kind of simple donation or cooperation in righteousness and piety; in fact it is a kind of cooperation in sin and transgression. It was not aimed at helping to relieve the distress of calamities, but at depriving people of their wealth by unjust means, which is absolutely haram, as are other kinds of insurance. Hence what they proposed to the ‘ulama is not even insurance at all.

With regard to the claim made by some, that part of the premium (money paid to the insurer) is returned, this does not change anything and does not free insurance from the taint of riba, gambling, transactions based on uncertainty, unjust consumption of people’s wealth and going against the principle of trusting in Allah (tawakkul), and other kinds of haram actions. 

Insurance is deceit and confusion. Anyone who wishes to learn more should refer to the essay al-Tamin wa Ahkamuhu (Insurance and its rulings). I call on every Muslim who has pride in his religion and whose hopes are focused on Allah and the Last Day to fear Allah and to avoid all kinds of insurance, no matter how attractive their proponents make them, for they are undoubtedly forbidden. In this manner he will protect his religion and his wealth, and he will be blessed with security from the Owner of security, may He be exalted.

May Allah help me and you to have insight into matters of religion and to do that which is pleasing to the Lord of the Worlds.

And Allah knows best.

Was this answer helpful? No Yes

Source: See: Khalaasah fi Hukm al-Ta’meen by Shaykh Dr. Sulaymaan ibn Ibraaheem al-Thaniyaan Member of faculty, Sharee’ah College, al-Qaseem

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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

14 min read

Published: 31 May 2022

Updated: 25 August 2023

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.

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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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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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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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Purchasing travel insurance for fear of expected detention

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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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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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.

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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.

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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The Visitors plan is one of our insurance policies that we created specifically for visitors coming to the Qatar. The policy is designed to cover any visitor’s health insurance worries and can be purchased before departure from any worldwide country.

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Comprehensive travel insurance, which is compulsory if you’re travelling to one of the Schengen countries.

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Comprehensive travel insurance, which is compulsory if you’re travelling to one of the Middle east & African countries.

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Travel Insurance product specifically designed to suit the needs of individuals & families while travelling for business or pleasure to any part of world excluding USA and Canada.

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Travel Insurance product specifically designed to suit the needs of individuals & families while travelling for business or pleasure to any part of the world.

What's covered:

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Travel insurance claiming is a very easy process. To claim your policy, you will need several documents. You can submit these documents to your insurer and get your claim settled. Following are a few documents that are required to file a travel insurance claim: • Claim form • Policy documents • ID proof • Travel trip tickets • Discharge card and other hospital bills

Your medical coverage will depend on the plan you choose. We offer different plan options and each of them offers varying coverage amounts for medical emergencies.

Not all our travel insurance plans offer the hospital allowance benefit. Therefore, you will be entitled to receive a hospital daily allowance only if your plan offers. This daily hospital allowance will be provided only if the insured is admitted for a period exceeding 48 hours and is limited to a maximum of 20 days of hospitalization.

A travel assistance partner is a person who primarily helps in medical emergencies during travel. A travel assistance partner is a term that is used for an individual who is tasked with assisting you in medical emergencies during travel. A travel assistance partner is crucial in bringing medical attention to your aid when you need it.

The loss of your passport can result in significant financial losses. You might have to extend your stay, pay express passport processing fees, re-schedule your flights, etc. Keeping this in mind, our travel insurance policy can offer up to $ 200 in case you lose your passport on your trip.

No, our travel insurance policies do not cover pre-existing illnesses. So, when you are travelling outside the country, you will not be able to use your travel insurance policy to get coverage for a pre-existing medical condition.

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No need to visit a Claims Office to file your claims! Our Online system is ready to help round the clock, call 44658888 or WhatsApp 44658899 for all inquiries related to your claims.

Step 1: Report incident You report the incident, with the required documents.

Step 2: Claim assessment Once you report the claim and submit your documents, we can start your claim process. We record details of the incident, assess your case and email you with guidance on the next steps. Depending on the loss, we might need to come to review the damages in person.

Step 3: Receive claim reference number Once the claim is opened, within a couple of days you will also receive an SMS with a claim reference number. Use this claim reference number to track the status of your claim throughout the process.

First thing’s first. Make sure you have all of the right details and documents ready, so you can easily report the incident to us. Depending on what you are submitting a TRAVEL INSURANCE claim for, there are different requirements you will need in order to fill out your claim form. Please refer to your policy’s terms and conditions for complete details.

For travel and medical-related emergencies anywhere in the world, you can contact the Assistance company stated in your schedule/certificate. If the claim is regarding your flight or baggage: •Policy number •The flight details •Estimated value of lost items •Compensation amount from the airline, if any

If the claim is regarding your travel documents: •Policy number •Details of the travel documents, including time and date lost •The name of the authority you reported it to •Cost of replacing the lost documents

If the claim is regarding your accident or medical expenses: •Policy number •Details of the accident or illness, including time and date •Police report and station name, in the case of an accident •Doctor and hospital name, in the case of illness

To get in touch with us about any Travel claims questions, email us at [email protected] and we will be happy to help you

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Travel Takaful

Buy it Online , Your safety is important to us; so is your comfort. Be it your desired vacation, business trip or a weekend escape, take off safe and easy with QIB’s Travel Takaful which is now available online.

Now you can track your entire Takaful products in one place via your QIB Mobile App.

• Medical, Hospitalization, Surgical expenses abroad including dental emergencies.
• Travel Inconvenience like compensation of lost or delayed baggage.
• Compensation for delayed departures.
• Compensation for loss of passport, National ID or driving license.
• Coverage for accidental death and Total permanent disability when abroad.

Terms & Conditions apply

• Option 1 – Worldwide Cover. Excluding USA/Canada/Australia/Japan
• Option 2- Worldwide Cover

*The Rates mentioned are for customer upto age 65

• Qatari ID & Passport.
• Travel Details: Date, Number of days and country of travel.
• Click here to Buy 

Through the Mobile App

• Log In to QIB Mobile Banking
• Go to Request Menu. Select Travel Takaful Policy
• Input number of travelers and Date of Travel
• System will send premium amount for Worldwide travel cover and for Worldwide travel cover excluding (USA, Australia, Canada, Japan)
• Option (Full or Third Party)
• Update Travelers Information
• Accept terms and Conditions
• Accept Premium amount.
• Confirm OTP. Message Displayed Travel Takaful applied successfully

Disclaimer: The product mentioned above is designed and underwritten by Daman Islamic Insurance Company ( Beema). It contains only general information. It does not constitute an offer to buy or sell a Takaful plan or service nor is it intended to provide any financial advice. Any person interested in this plan should read and consider its complete terms and conditions before making a decision. Please request the same from your branch or your relationship manager at QIB.

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Handling your Takaful needs at your fingertips

Insurans Islam TAIB Mobile Application offers a user-friendly interface, ensuring convenient access to various services on mobile devices or tablets. It is designed for easy accessibility and user convenience.

Key Features:

• Participate with General Takaful
• View your active Takaful policy
• Other services i.e. Claim Guideline, iCARe services etc.

Think of the ones you’re responsible for

In the event of loss or damage due to fire, lightning, domestic explosion, and other perils, our Houseowner Takaful can provide temporary accommodation for your family, personal accident compensation to owner and many more.

For more information, call our General Takaful Helpline at 222-3004 or click here .

Please select Individual or Corporate .

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 I submitted a claim under my travel insurance policy with documents in the morning and to my absolute amazement the claim was paid in the afternoon. In all my years in dealing with insurance companies I have never encountered such efficiency in dealing with claims and I thank the staff of Etiqa involved in processing my claim. Etiqa should be the insurance of choice for everyone 

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 It was such an unpleasant experience when I lost my purse due to theft in Halstatt, Austria last December. However, travel insurance from Etiqa definitely came to the rescue. Upon submission the report to Customer Experience Department of Dataran Maybank, they processed the claim promptly and I received the insured amount ie rm1500 within a few days. What an excellent experience! I subscribed to the same plan for my recent Edinburgh getaway and will definitely subscribe again for my next escapade. 

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Best International Travel Insurance for May 2024

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If you're planning your next vacation or trip out of the country, be sure to factor in travel insurance. Unexpected medical emergencies when traveling can drain your bank account, especially when you're traveling internationally. The best travel insurance companies for international travel can step in to provide you with peace of mind and financial protection while you're abroad.

Our top picks for the best international travel insurance

• Best overall: Allianz Travel Insurance
• Best for exotic travel: World Nomads Travel Insurance
• Best for trip interruption coverage: C&F Travel Insured
• Best for families: Travelex Travel Insurance
• Best for long-term travel: Seven Corners Travel Insurance

How we rate the best international travel insurance »

Compare the top international travel insurance

As a general rule, the most important coverage to have in a foreign country is travel medical insurance , as most US health insurance policies don't cover you while you're abroad. Without travel medical coverage, a medical emergency in a foreign country can cost you. You'll want trip cancellation and interruption coverage if your trip is particularly expensive. And if you're traveling for an extended period of time, you'll want to ensure that your policy is extendable. 

Here are our picks for the best travel insurance companies for international travel.

Best overall: Allianz

Allianz Travel Insurance  offers the ultimate customizable coverage for international trips, whether you're a frequent jetsetter or an occasional traveler. You can choose from an a la carte of single or multi-trip plans, as well as add-ons, including rental car damage, cancel for any reason (CFAR) , adventure sport, and business travel coverage. And with affordable pricing compared to competitors, Allianz is a budget-friendly choice for your international travel insurance needs. 

The icing on the cake is Allyz TravelSmart, Allainz's highly-rated mobile app, which has an average rating of 4.4 out of five stars on the Google Play store across over 2,600 reviews and 4.8 out of five stars from over 22,000 reviews on the Apple app store. So, you can rest easy knowing that you can access your policy and file claims anywhere in the world without a hassle.

Read our Allianz Travel Insurance review here.

Best for exotic trips: World Nomads

World Nomads Travel Insurance  offers coverage for over 150 specific activities, so you can focus on the adventure without worrying about gaps in your coverage. 

You can select its budget-friendly standard plan, starting at $79. Or if you're an adrenaline junkie seeking more thrills, you can opt for the World Nomads' Explorer plan for $120, which includes extra sports like skydiving, scuba diving, and heli-skiing. And World Nomads offers 24/7 assistance, so you can confidently travel abroad, knowing that help is just a phone call away. 

Read our World Nomads Travel Insurance review here.

Best for trip interruption: C&F Travel Insured

C&F Travel Insured offers 100% coverage for trip cancellation, up to 150% for trip interruption, and reimbursement for up to 75% of your non-refundable travel costs with select plans. This means you don't have to worry about losing your hard-earned money on non-refundable travel costs if your trip ends prematurely. 

Travel Insured also stands out for its extensive "reasons for cancellation" coverage. Unlike many insurers, the company covers hurricane warnings from the National Oceanic and Atmospheric Administration (NOAA).

Read our C&F Travel Insured review here.

Best for family coverage: Travelex

Travelex Travel Insurance offers coverage for your whole crew, perfect for when you're planning a family trip. Its family plan insures all your children 17 and under at no additional cost. The travel insurance provider also offers add-ons like adventure sports and car rental collision coverage to protect your family under any circumstance. Got pets? With Travelex's Travel Select plan, you can also get coverage for your furry friend's emergency medical and transportation expenses. 

Read our Travelex Travel Insurance review here.

Best for long trips: Seven Corners

Seven Corners Travel Insurance offers specialized coverage that the standard short-term travel insurance policy won't provide, which is helpful if you're embarking on a long-term trip. You can choose from several plans, including the Annual Multi-Trip plan, which provides medical coverage for multiple international trips for up to 364 days. This policy also offers COVID-19 medical and evacuation coverage up to $1 million. 

You also get the added benefit of incidental expense coverage. This policy will cover remote health-related services and information, treatment of injury or illness, and live consultations via telecommunication. 

Read our Seven Corners Travel Insurance review here.

How to find the right international travel insurance company 

Different travelers and trips require different types of insurance coverage. So, consider these tips if you're in the market to insure your trip. 

Determine your needs 

• Consider the nature of your travel (leisure, business, or adventure) and the associated risks (medical emergencies, trip cancellations, etc.).
• Determine your budget and the amount of coverage you require. 
• Consider the duration of your trip and the countries you'll be visiting, as some policies won't cover specific destinations. 

Research the reputation of the company 

• Look for the company's reviews and ratings from reputable sources like consumer advocacy groups and independent website reviews. 
• Check the provider's financial stability and credit ratings to ensure it can pay out claims reliably. 
• Investigate the company's claims process to ensure it can provide timely support if you need to file a claim.

Compare prices

• Get quotes from multiple providers to compare rates and coverage options.
• See if the company provides discounts or special offers to lower your cost. 
• Look at the deductible or any out-of-pocket expenses you may have to pay if you file a claim to determine if you can afford it. 

Understanding international travel insurance coverage options 

Travel insurance can be confusing, but we're here to simplify it for you. We'll break down the industry's jargon to help you understand what travel insurance covers to help you decide what your policy needs. Bear in mind that exclusions and limitations for your age and destination may apply. 

Finding the best price for international travel insurance

Your policy cost will depend on several factors, such as the length of your trip, destination, coverage limits, and age. Typically, a comprehensive policy includes travel cancellation coverage costs between 5% and 10% of your total trip cost.

If you're planning an international trip that costs $4,500, you can expect to pay anywhere from $225 to $450 for your policy. Comparing quotes from multiple providers can help you find a budget-friendly travel insurance policy that meets your needs.

How we reviewed international travel insurance companies

We ranked and assigned superlatives to the best travel insurance companies based on our insurance rating methodology . It focuses on several key factors, including: 

• Policy types: We analyzed company offerings such as coverage levels, exclusions, and policy upgrades, taking note of providers that offer a range of travel-related issues beyond the standard coverages. 
• Affordability: We recognize that cheap premiums don't necessarily equate to sufficient coverage. So, we seek providers that offer competitive rates with comprehensive policies and quality customer service. We also call out any discounts or special offers available. 
• Flexibility: Travel insurance isn't one-size-fits-all. We highlight providers that offer a wide array of coverage options, including single-trip, multi-trip, and long-term policies.
• Claims handling: The claims process should be pain-free for policyholders. We seek providers that offer a streamlined process via online claims filing and a track record of handling claims fairly and efficiently. 
• Quality customer service: Good customer service is as important as affordability and flexibility. We highlight companies that offer 24/7 assistance and have a strong record of customer service responsiveness. 

We consult user feedback and reviews to determine how each company fares in each category. We also check the provider's financial rating and volume of complaints via third-party rating agencies. 

International travel insurance FAQs

Which company has the best international travel insurance.

The best insurance policy depends on your individual situation, including your destination and budget. However, popular options include Allianz Travel Insurance, World Nomads, and Travel Guard. 

Are there any limitations or exclusions international travelers should be aware of?

You should pay attention to any limitations regarding covered cancellations, pre-existing conditions, and adventure activities. For example, if you're worried you may have to cancel a trip for work reasons, ensure that you've worked at your company long enough to qualify for cancellation coverage, as that is a condition with some insurers. You should also see if your destination has any travel advisories, as that can affect your policy. 

What insurance do you need for international travel?

Typically, your regular health insurance won't cover you out of the country, so you'll want to make sure your travel insurance has adequate medical emergency coverage. Depending on your travel plans, you may want to purchase add-ons, such as adventure sports coverage, if you're planning on doing anything adventurous like bungee jumping.

Should you get travel insurance for international travel?

Travel insurance is worth the price for international travel because they're generally more expensive, so you have more to lose. Additionally, your regular health insurance won't cover you in other countries, so without travel insurance, you'll end up paying out of pocket for any emergency medical care you receive out of the US.

How far in advance should international travelers purchase travel insurance?

You should purchase travel insurance as soon as possible after making payment on your trip. This makes you eligible for add-ons like coverage for pre-existing conditions and CFAR. It also mitigates the chance of any losses in the days leading up to your trip. 

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Home » Hanafi Fiqh » Askimam.org » Can we purchase health insurance for travel?

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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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