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15 Prohibitions Of Insurance In Islam

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Insurance is a thing that we ever see it, there are health insurance, education’s insurance even death insurance. Well, in Islam the activity of Insurance is harm, how can it be? Let’s check these out the 15 prohibitions of Insurance in Islam, well read this carefully.

  1. Insurance is not a form of Islamic transaction

Insurance in Islam turns out that this insurance practice is not permitted. Why? Insurance is speculation, and speculation is not necessarily true or false. It is precisely Islam that people who carry out insurance are those who deny Allah’s grace.

Next below here, Allah says in the Quran. For more information about prohibition, you can check on the prohibition of lying in Islam.

“And there is no creature on earth but that upon Allah is its provision,…” Verse (11:6)

2. There is an unclear element in insurance

The Prophet Muhammad apparently also forbade insurance. According to him, insurance is an unclear transaction. We don’t know when we get sick, die, need education fees, and others.

This element of obscurity is the reason why insurance is not permitted in Islam. The following below is the hadith.

“The Prophet Muhammad (PBUH)  forbade the sale and purchase of hashoh (the result of pebbles, that’s what was bought) and prohibited from buying and selling ghoror (containing elements of obscurity)” (HR. Muslim)

3. There is great speculation

In insurance, there is great speculation, and we know that speculation in Islam is the same as gambling. Here the insurance company will reap profits by taking assets or money from customers who have experienced an accident or there can be no accident at all.

In fact, sometimes customers who have just paid a few times cannot get the full amount. Next, below here Allah says in the Quran.

“O you who have believed, indeed, intoxicants, gambling, (sacrificing on) stone alters (to other than Allah), and divining arrows are but defilement from the work of Satan, so avoid it that you may be successful.” Verse (5:90)

4. Insurance is a form of prohibited betting

Insurance turns out to be a form of banned betting, what does that mean? Every premium or money invested here is the same as gambling.

In here it is not everyone gets a claim or money back. Usually, to get money back requires a long period of time, such as at retirement age on health insurance. This form of transaction is prohibited in Islam. The following below is a hadith from the Prophet Muhammad, he said that.

“There are no bets in the race except in archery, camel race, and horse racing” (Tirmidzi, An Nasai, Abu Daud, and Ibn Majah)

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5. Insurance takes the property of others

In the insurance transaction, it is clear that there is a form of eating other people’s assets in the wrong way.

The insurance company takes the assets from the customer’s primary payment, in here customers sometimes do not always get their claims or rights. In fact, in a good transaction, there must be conditions that benefit both parties. Below here, Allah says in the Quran.

“ O you who have believed, do not consume one another’s wealth unjustly but only [in lawful] business by mutual consent. And do not kill yourselves (or one another). Indeed, Allah is to you ever Merciful.” Verse (4:29)

6. There is a form of coercion in insurance

Customers must pay a premium every month and this is a form of coercion in insurance. In here, the insurance forces the customer that the accident will occur and the customer will inevitably have to pay every month.

Below here, Allah says in the Quran.

“And do not consume one another’s wealth unjustly or send it (in bribery) to the rulers in order that [they might aid] you (to) consume a portion of the wealth of the people in sin, while you know (it is unlawful).” Verse (2:188)

7. Insurance is the same as usury

Insurance is also associated with usury where the usury transaction has been forbidden by Allah. It has also been said by several scholars, that insurance is never separated from usury, insurance premiums are always associated with deposits and this is something that is forbidden by Islam.

Below here, Allah says in the Quran. You can check these ways some reasons for the prohibition of riba in Islam.

“O you who have believed, fear Allah and give up what remains (due to you) of interest if you should be believers.” (2:278)

8. Life and death of a man is Allah’s destiny

Insurance is one way to be able to anticipate or reduce costs incurred when we have an accident, get sick, or even die.

These are things that only Allah knows; life, death, even human pain. Instead of speculating, it is better to use the time to fear Allah, Allah will certainly provide a way out that we never expected. Below here, Allah says in the Quran.

“And when they have [nearly] fulfilled their term, either retain them according to acceptable terms or part with them according to acceptable terms. And bring to witness two just men from among you and establish the testimony for [the acceptance of] Allah. That is instructed to whoever should believe in Allah and the Last day.


And whoever fears Allah – He will make for him a way out. And will provide for him from where he does not expect. And whoever relies upon Allah – then He is sufficient for him. Indeed, Allah will accomplish His purpose. Allah has already set for everything a [decreed] extent.” Verse (65: 2-3)

9. Future disasters cannot be predicted by humans

As explained in the previous point, disaster cannot be predicted by humans. Only Allah knows when the disaster will come. Below here, Allah says in the Quran.

“No disaster strikes except by permission of Allah. And whoever believes in Allah – He will guide his heart. And Allah is Knowing of all things.” Verse (64:11)

10. Doubts about something

Insurance problems in society sometimes invite doubts to determine whether this is the right way to go. In here, the Prophet Muhammad once said that truly if something doubts you, then leave it. Hold on to things that make you sure. The following below is a hadith from the Prophet Muhammad.

“Leave things that doubt you (hold on) to things that don’t doubt you.” (Ahmad)

11. Allah the Lord grants sustenance

Allah has actually prepared sustenance for all His creatures. In here, to get sustenance, people still need to find and try how to get it, for example by doing insurance to deal with the future and old age. This is a speculation that we never knew.

As best as Muslims, they should be sure of Allah’s sustenance given to Him. Below here, Allah says in the Quran.

“ Is He (not best) who begins creation and then repeats it and who provides for you from the heaven and earth? Is there a deity with Allah? Say, “Produce your proof, if you should be truthful.” Verse (27:64)

12. Prepare for tomorrow

Allah says in the Quran that Allah commands every His Creature to always prepare for tomorrow. Next below, Allah says in the Quran.

(Joseph) said, “You will plant for seven years consecutively; and what you harvest leave in its spikes, except a little from which you will eat. Then will come after that seven difficult (years) which will consume what you saved for them, except a little from which you will store. Then will come after that a year in which the people will be given rain and in which they will press (olives and grapes.” Verse (12:47-49)

13. Help each other and cooperation between humans

Indeed, in insurance transactions, there must be an element of mutual help and cooperation between humans.

Both parties must be mutually beneficial and there is no element of usury in them. This is an example of permissible Islamic insurance. Below here, Allah says in the Quran.

“……And cooperate in righteousness and piety, but do not cooperate in sin and aggression. And fear Allah; indeed, Allah is severe in penalty.” Verse (5:2)

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14. Protect each other in difficult situations

And Allah in the Quran also commands us to protect each other in difficult situations between humans. Next below here, Allah says in the Quran.

“Who has fed them, (saving them) from hunger and made them safe, (saving them) from fear.” Verse (106:4)

15. Preparing provisions early

The Prophet Muhammad in his hadith said that it is better to prepare the provisions needed for future lives, one of them is by distributing them equally to all family members; house, property, and even money.

This is better than being involved in insurance. Indeed, in insurance, there are high speculations, usury, and the people harmed. The following below is the hadith.

“It is better if you leave your children (heirs) in a rich condition, rather than leaving them in a state of poverty (starvation) that begs other humans.” (Bukhari).

Hopefully, the 15 prohibitions of Insurance in Islam above can useful for us, Muslims. May this discussion about insurance can avoid us to not join in the insurance transaction. For more knowledge, you can see more about the prohibitions of birthday celebration in Islam, the prohibition of dancing in Islam, even the prohibition of hoarding in Islam.

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