Q: If a person pays for airplane tickets with a credit card then certain banks offer free travel insurance due to the payment being made with their credit card. Will it be permissible to use this insurance?
Q: A person shipped an item with a courier, only paying for the courier service without any additional insurance fees. The courier company does however provide insurance for lost or damaged parcels as part of their service.
A parcel was lost and the courier company offered to pay out the value of the item, subject to one filling out a claim form. Will it be permissible to make this claim and recieve the payment of the value of the lost item?
Q: If someone wants to visit their family and friends living in a country which requires the covid insurance (small amount like $40) which is mandatory at the time of entry, is it allowed?
Q: Over the past years, I have saved sufficient money that would allow me to purchase a small apartment. Whilst negotiating I noticed that the monthly levy that I will pay is used to cover the insurance of the apartment and cannot be removed.
1. Am I allowed to purchase this property and make the monthly levy payments?
2. If it is permissible for me to purchase, live in the apartment and make the levy payments, would I be allowed to make claims against the insurance for items covered by them like, burst geyser, etc.?
Q: A while back a friend invested in a car but got financially stuck and became maqrooz of many people. Another friend of his suggested to insure the car via Takaful and get the money through them.
So the process would go like this, for a while the car was insured and then after 3 or 4 months they faked an accident and lodged a claim. During this process they had to lie about the accident and where and how it took place. The insurance accepted the claim and gave them the sum of the car.
Now I want to know if this money is halal for them or not?
Q: My brother in law had a life insurance policy and has now passed away. The life insurance company has paid out the money. The heirs do not want it. Is it permissible for me to utilize the money for my own expenses?
Q: I currently live in Bangladesh. My father suffers from liver cirrhosis. I have plans to do Masters or PhD in USA. It is recommended for my father to do liver transplant but currently the liver transplant is not available in Bangladesh and in India it will cost 1-1.5 crore Bangladeshi Taka(currency), which is out of my reach.
When I start PhD in US, will it me permissible for me to buy an insurance for my father, take him to US and do the liver transplant and then send him back to Bangladesh? I cannot find any Takaful Health Insurance in US and don't know how the rest of the insurance work there.
Will it be permissible in a case like this?
Q: I had taken out a life insurance policy with a dread disease cover many years ago. (I call that my pre-hidayat days). I have now been paid out part of the money for a dread disease, which is part of the life cover. Can I calculate all the premiums I paid over the years and take the money out of the payout as halaal money for myself? Can I use the balance of the payout for Income Tax payment. I would then cancel the policy.
Also, what are the zakaat implications regarding this money if it is halaal. Do I need to calculate zakaat from the time I started paying the premiums or not?
Q: I hail from India. I have purchased car insurance by paying yearly premium of amount 6ooo. Can I claim insurance for damages equivalent to the premium paid or lesser?
Q: What is the difference between a service plan and medical aid, insurance or hospital plans? All seem to render a service to the person in case of need.