{"id":2689,"date":"2020-01-12T22:52:43","date_gmt":"2020-01-13T02:52:43","guid":{"rendered":"http:\/\/fatwa-tt.com\/?p=2689"},"modified":"2020-01-12T22:53:14","modified_gmt":"2020-01-13T02:53:14","slug":"ruling-on-n-i-s-and-voluntary-pension-schemes","status":"publish","type":"post","link":"https:\/\/fatwa-tt.com\/index.php\/ruling-on-n-i-s-and-voluntary-pension-schemes\/","title":{"rendered":"Ruling on N.I.S. and voluntary pension schemes."},"content":{"rendered":"\n

Question:<\/strong><\/p>\n\n\n\n

Assalamu Alaykum, Is NIS insurance halal if one pays voluntarily? <\/p>\n\n\n\n

Answer:<\/strong><\/p>\n\n\n\n

In the Name of Allah, the Most Gracious, the Most Merciful.<\/strong><\/p>\n\n\n\n

As-sal\u0101mu \u2018alaykum wa-rahmatull\u0101hi wa-barak\u0101tuh.<\/strong><\/p>\n\n\n\n

Voluntary N.I.S. insurance will not be\npermissible, as in the case of all non-compulsory insurances. <\/p>\n\n\n\n

All forms of\ninsurances prevalent are unlawful (haram) according to Shari\u2019ah, for they have\neither an element of interest (riba) or chancing (qimar), both of which have\nbeen explicitly and sternly forbidden by Allah Ta\u2019ala in the Qur\u2019an and\nnumerous Ahadith.<\/p>\n\n\n\n

Allah Ta\u2019ala mentions :<\/p>\n\n\n\n

\u0623\u064e\u064a\u064f\u0651\u0647\u064e\u0627 \u0627\u0644\u064e\u0651\u0630\u0650\u064a\u0646\u064e \u0622\u064e\u0645\u064e\u0646\u064f\u0648\u0627 \u0627\u062a\u064e\u0651\u0642\u064f\u0648\u0627 \u0627\u0644\u0644\u064e\u0651\u0647\u064e\n\u0648\u064e\u0630\u064e\u0631\u064f\u0648\u0627 \u0645\u064e\u0627 \u0628\u064e\u0642\u0650\u064a\u064e \u0645\u0650\u0646\u064e \u0627\u0644\u0631\u0650\u0651\u0628\u064e\u0627 \u0625\u0650\u0646\u0652 \u0643\u064f\u0646\u0652\u062a\u064f\u0645\u0652 \u0645\u064f\u0624\u0652\u0645\u0650\u0646\u0650\u064a\u0646\u064e () \u0641\u064e\u0625\u0650\u0646\u0652 \u0644\u064e\u0645\u0652\n\u062a\u064e\u0641\u0652\u0639\u064e\u0644\u064f\u0648\u0627 \u0641\u064e\u0623\u0652\u0630\u064e\u0646\u064f\u0648\u0627 \u0628\u0650\u062d\u064e\u0631\u0652\u0628\u064d \u0645\u0650\u0646\u064e \u0627\u0644\u0644\u064e\u0651\u0647\u0650 \u0648\u064e\u0631\u064e\u0633\u064f\u0648\u0644\u0650\u0647\u0650 \u0648\u064e\u0625\u0650\u0646\u0652 \u062a\u064f\u0628\u0652\u062a\u064f\u0645\u0652\n\u0641\u064e\u0644\u064e\u0643\u064f\u0645\u0652 \u0631\u064f\u0621\u064f\u0648\u0633\u064f \u0623\u064e\u0645\u0652\u0648\u064e\u0627\u0644\u0650\u0643\u064f\u0645\u0652 \u0644\u064e\u0627 \u062a\u064e\u0638\u0652\u0644\u0650\u0645\u064f\u0648\u0646\u064e \u0648\u064e\u0644\u064e\u0627 \u062a\u064f\u0638\u0652\u0644\u064e\u0645\u064f\u0648\u0646\u064e () \u0648\u064e\u0625\u0650\u0646\u0652\n\u0643\u064e\u0627\u0646\u064e \u0630\u064f\u0648 \u0639\u064f\u0633\u0652\u0631\u064e\u0629\u064d \u0641\u064e\u0646\u064e\u0638\u0650\u0631\u064e\u0629\u064c \u0625\u0650\u0644\u064e\u0649 \u0645\u064e\u064a\u0652\u0633\u064e\u0631\u064e\u0629\u064d \u0648\u064e\u0623\u064e\u0646\u0652 \u062a\u064e\u0635\u064e\u062f\u064e\u0651\u0642\u064f\u0648\u0627 \u062e\u064e\u064a\u0652\u0631\u064c \u0644\u064e\u0643\u064f\u0645\u0652\n\u0625\u0650\u0646\u0652 \u0643\u064f\u0646\u0652\u062a\u064f\u0645\u0652 \u062a\u064e\u0639\u0652\u0644\u064e\u0645\u064f\u0648\u0646\u064e () \u0648\u064e\u0627\u062a\u064e\u0651\u0642\u064f\u0648\u0627 \u064a\u064e\u0648\u0652\u0645\u064b\u0627 \u062a\u064f\u0631\u0652\u062c\u064e\u0639\u064f\u0648\u0646\u064e \u0641\u0650\u064a\u0647\u0650 \u0625\u0650\u0644\u064e\u0649 \u0627\u0644\u0644\u064e\u0651\u0647\u0650\n\u062b\u064f\u0645\u064e\u0651 \u062a\u064f\u0648\u064e\u0641\u064e\u0651\u0649 \u0643\u064f\u0644\u064f\u0651 \u0646\u064e\u0641\u0652\u0633\u064d \u0645\u064e\u0627 \u0643\u064e\u0633\u064e\u0628\u064e\u062a\u0652 \u0648\u064e\u0647\u064f\u0645\u0652 \u0644\u064e\u0627 \u064a\u064f\u0638\u0652\u0644\u064e\u0645\u064f\u0648\u0646\u064e<\/strong><\/p>\n\n\n\n

\u201cO you who believe, fear\nAllah and give up what still remains of Riba, if you are believers. But if you\ndo not (give it up), then listen to the declaration of war from Allah and His\nMessenger. However, if you repent, yours is your principal. Neither wrong, nor\nbe wronged. If there is one in misery, then (the creditor should allow)\ndeferment till (his) ease, and that you forgo it as alms is much better for\nyou, if you really know. Be fearful of a day when you shall be returned to\nAllah, then every person shall be paid, in full, what he has earned, and they\nshall not be wronged.\u201d (2:278 \u2013 2:281)<\/p>\n\n\n\n

\u0642\u0627\u0644 \u0631\u0633\u0648\u0644 \u0627\u0644\u0644\u0647  \u0635\u0644\u0649 \u0627\u0644\u0644\u0647 \u0639\u0644\u064a\u0647 \u0648\u0633\u0644\u0645 \u062f\u0631\u0647\u0645\n\u0631\u0628\u0627\u064b \u064a\u0623\u0643\u0644\u0647 \u0627\u0644\u0631\u062c\u0644 \u0648\u0647\u0648 \u064a\u0639\u0644\u0645 \u0623\u0634\u062f \u0639\u0646\u062f \u0627\u0644\u0644\u0647 \u0645\u0646 \u0633\u062a\u0629\u064d \u0648\u062b\u0644\u0627\u062b\u064a\u0646 \u0632\u0646\u064a\u0629\u064b<\/strong><\/p>\n\n\n\n

Furthermore, Rasulullah \u0635\u0644\u0649 \u0627\u0644\u0644\u0647 \u0639\u0644\u064a\u0647 \u0648\n\u0633\u0644\u0645  mentions, \u201cIf a person consumes a single Dirham of\nRiba knowingly, it is considered more severe to Allah than 36 acts of fornication.\u201d(Musnad\nAhmad)<\/p>\n\n\n\n

\u0627\u0644\u0631\u0628\u0627 \u0648\u0625\u0646 \u0643\u062b\u0631 \u0641\u0625\u0646 \u0639\u0627\u0642\u0628\u062a\u0647 \u062a\u0635\u064a\u0631 \u0625\u0644\u0649 \u0642\u0644 <\/p>\n\n\n\n

Rasulullah \u0635\u0644\u0649 \u0627\u0644\u0644\u0647 \u0639\u0644\u064a\u0647 \u0648\n\u0633\u0644\u0645  <\/strong>is also reported to have mentioned, \u201cEven if Riba\n(apparently) increases, it will eventually lead to a decrease.\u201d(AlHakim)<\/p>\n\n\n\n

There is gambling in\nconventional insurance cover:<\/p>\n\n\n\n

For example, I pay $100\npremium a month, that is $1200 per year. I may get sick and benefit for a cover\nup of $30 000 or may even lose my premiums. That is qimaar<\/em> (gambling).\nYou stand to lose or gain.
\n <\/p>\n\n\n\n

\u064a\u064e\u0633\u0652\u0623\u064e\u0644\u064f\u0648\u0646\u064e\u0643\u064e \u0639\u064e\u0646\u0650 \u0627\u0644\u0652\u062e\u064e\u0645\u0652\u0631\u0650 \u0648\u064e\u0627\u0644\u0652\u0645\u064e\u064a\u0652\u0633\u0650\u0631\u0650\n\u0642\u064f\u0644\u0652 \u0641\u0650\u064a\u0647\u0650\u0645\u064e\u0627 \u0625\u0650\u062b\u0652\u0645\u064c \u0643\u064e\u0628\u0650\u064a\u0631\u064c \u0648\u064e\u0645\u064e\u0646\u064e\u0627\u0641\u0650\u0639\u064f \u0644\u0650\u0644\u0646\u064e\u0651\u0627\u0633\u0650 \u0648\u064e\u0625\u0650\u062b\u0652\u0645\u064f\u0647\u064f\u0645\u064e\u0627 \u0623\u064e\u0643\u0652\u0628\u064e\u0631\u064f \u0645\u0650\u0646\u0652\n\u0646\u064e\u0641\u0652\u0639\u0650\u0647\u0650\u0645\u064e\u0627<\/strong><\/p>\n\n\n\n

Allah Ta\u2019ala states in the\nHoly Quran, \u201cThey ask you about wine and gambling. Say, In both there is great\nsin, and some benefits for people. And their sin is greater than their\nbenefit.\u201d (2:219)<\/p>\n\n\n\n

There is Garar (uncertainty)\nin conventional insurance cover:<\/p>\n\n\n\n

Likewise, my premiums are in\nlieu of an uncertain event of the future. If I get sick, the company will pay\nand if I don\u2019t get sick, then they won\u2019t pay. This is gharar<\/em>\n(uncertainty). I don\u2019t know if I will get sick or not and to what extent.<\/p>\n\n\n\n

Rasulullah \u0635\u0644\u0649 \u0627\u0644\u0644\u0647 \u0639\u0644\u064a\u0647 \u0648\n\u0633\u0644\u0645\n  <\/strong>advised<\/p>\n\n\n\n

\u0646\u064e\u0647\u064e\u0649 \u0631\u064e\u0633\u064f\u0648\u0644\u064f\n\u0627\u0644\u0644\u064e\u0651\u0647\u0650 \u0635\u0644\u0649 \u0627\u0644\u0644\u0647 \u0639\u0644\u064a\u0647 \u0648\u0633\u0644\u0645 \u0639\u064e\u0646\u0652 \u0628\u064e\u064a\u0652\u0639\u0650 \u0627\u0644\u0652\u062d\u064e\u0635\u064e\u0627\u0629\u0650 \u0648\u064e\u0639\u064e\u0646\u0652 \u0628\u064e\u064a\u0652\u0639\u0650 \u0627\u0644\u0652\u063a\u064e\u0631\u064e\u0631\u0650<\/strong><\/p>\n\n\n\n

Rasulullah \u0635\u0644\u0649 \u0627\u0644\u0644\u0647 \u0639\u0644\u064a\u0647 \u0648\n\u0633\u0644\u0645  <\/strong>prohibited from dealing in a future uncertain event.\n(Muslim)<\/p>\n\n\n\n

However, it would be\npermissible for one to have insurance up to the minimum level required when it\nis a dire necessity like that of being the law of the land etc.<\/p>\n\n\n\n

If one is employed, and is required by the law\nof the country to pay the N.I.S., then paying and taking benefits from such an\ninsurance will be permissible. <\/p>\n\n\n\n

And Allah Ta\u2019\u0101la Knows Best<\/strong><\/p>\n\n\n\n

Mufti Arshad Ali<\/strong><\/p>\n\n\n\n

Darul Iftaa, Jaamia Madinatul Uloom (Trinidad)<\/strong><\/p>\n\n\n\n

www.fatwa-tt.com<\/strong><\/a> \/<\/strong>www.jaamia.net<\/strong><\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Question: Assalamu Alaykum, Is NIS insurance halal if one pays voluntarily? Answer: In the Name of Allah, the<\/p>\n","protected":false},"author":1,"featured_media":2354,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6,29],"tags":[],"class_list":["post-2689","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-contemporary-law","category-finance"],"_links":{"self":[{"href":"https:\/\/fatwa-tt.com\/index.php\/wp-json\/wp\/v2\/posts\/2689","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fatwa-tt.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/fatwa-tt.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/fatwa-tt.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/fatwa-tt.com\/index.php\/wp-json\/wp\/v2\/comments?post=2689"}],"version-history":[{"count":0,"href":"https:\/\/fatwa-tt.com\/index.php\/wp-json\/wp\/v2\/posts\/2689\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fatwa-tt.com\/index.php\/wp-json\/wp\/v2\/media\/2354"}],"wp:attachment":[{"href":"https:\/\/fatwa-tt.com\/index.php\/wp-json\/wp\/v2\/media?parent=2689"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fatwa-tt.com\/index.php\/wp-json\/wp\/v2\/categories?post=2689"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fatwa-tt.com\/index.php\/wp-json\/wp\/v2\/tags?post=2689"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}