Insurance through zakat
Islam has a system that is able to provide coverage for accidents or other disasters through the zakat system. 1Even this system is far superior to conventional insurance because from the beginning it was established for the social and humanitarian aid. So one does not have to register to become a member and also not required to pay premiums on a regular basis. The amount of aid it receives is also not related to the level of a person in the list of participants, but based on the level of losses that happened in the accident.
Funds given to any person who suffered was due to the rich people who pay their zakat obligation as one of the pillars of Islam. Existing insurance system is actually insurance system that does not breathe social assistance but the large-scale business enterprises in order to gain maximum profit.
Conventional insurance contains many defects shar'ie include uncertainty (gharar) concerning the rights holder and the source of funds used to cover the claims of the participants, gambling (maysir) because there are those who benefit from possible losses on other parties, as well as the interest element of riba investment funds are awarded.2
According
to the authors, the concept of insurance held by the Islamic zakat
should be developed so that Muslims do not get caught up in a lot of
conventional insurance practices contrary to the principles of Islam.
Incurred by the charity in addition to cleaning the treasures we can
also help the interests of social and other humanitarian aid.
ENY WULANSARI ( 11220015 )
1 Fakhruddin, fiqh dan manajemen zakat di Indonesia, ( malang : uin press, 2008 )180
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