Insurance

• Is one who works for an oil company in the Fire and Emergency Department, and participates in contracting with maintenance companies for the fire system—whether by signing the contract, summoning contractors, or supervising maintenance—sinful, given that they do not know the type of letter of guarantee or whether it is covered or not, or if the maintenance company paid the insurance in cash while dealing with usurious banks?
• Does the condition that the participant is not entitled to any of their payments (Takaful or investment) upon withdrawal before eighteen months affect the Islamic permissibility of Takaful insurance?
• Is it permissible to insure a laptop against damage or theft by paying a monthly sum?
• What is the ruling on subscribing to the savings fund (pension scheme) in which 4% of the employee's salary is deducted and the company adds 6%, and an insurance company invests the amount, with the option not to take interest, knowing that participation is optional for me and compulsory for others, and that non-participation significantly reduces the final bonus, while participation increases it fourfold?
• To what extent is it permissible to insure houses after paying off their installments and owning them in full?
• What is the ruling on working for a debt collection company, contracted with one of the vehicle insurance companies, where the work involves submitting the car insurance company's documents to the traffic department to demand payment from the at-fault party to the insurance company?
• Is it permissible to complete dental treatment and request an invoice with a deferred date for next year, or to defer payment and request the invoice at the time of payment, due to exceeding the maximum insurance limit for the current year?
• Is it permissible to use my friend's health insurance card for a medical examination due to difficult financial circumstances and inability to conceive, knowing that this is without her knowledge?
• Who bears the cost of the loss resulting from a car accident in which the driver was 100% at fault, knowing that the car is insured against third parties, and the driver holds a driver's license and authorization to drive the car?
• What is the ruling on receiving a short supply of medicines, knowing that the previous employee is responsible? And is it permissible to have health insurance with the intention of not using it?
• Is excessive compensation from an insurance company considered unlawful (haram), or should the excess amount be deducted and returned to the company?
• What is the ruling on marrying a girl who works for a car insurance company, what is the ruling on working in mixed insurance companies, and what should I do?
• What is the ruling on the investment certificate issued by commercial banks in Egypt, which involves paying monthly installments to obtain a lump sum after a specified period, with the bank covering the remaining installments in case of the subscriber's death?
• What is the ruling on working for a company that provides consultations and financial data to insurance companies regarding the risks of non-payment, and is it permissible to adopt the more lenient opinion if there is a difference of opinion among scholars?
• What is the ruling on a freelance translator translating texts related to commercial insurance companies and the alcohol industry, and translating documents that indicate an individual's contract with a commercial insurance company for travel if he is compelled to do so? And is he required not to accept such translations in the future, and what should he do with what he earned from them previously?
• Would you be considered a participant in sin and held accountable before God if you, as an insurance company, paid out based on a (deceptive) oath sworn before a judge, because you conveyed or helped convey the idea to the person who swore it? And would it be different if you were the first to convey the idea to him? And would the money be guaranteed before God by whoever supported the idea of the oath to the person who swore it, or only by the swearer himself? And is the money taken by the other car owner unlawful if he colluded with them in lying? And do the police officer and the insurance employee sin if they collude? And does the one who swore the oath sin if he lied to you about settling the matter?
• Who bears the responsibility for the two-month fasting and the blood money in a traffic accident where a passenger of the at-fault party died, knowing that the at-fault party's vehicle is insured?
• What is the ruling on health insurance—be it commercial or cooperative—in cases of necessity due to the high cost of medical examinations, given the possibility of withdrawing from it at any time? And is it permissible to continue with it?
• What is the ruling on money deducted from wages for life insurance?
• Is a company entitled to deduct the value of the remaining period of health insurance from an employee's dues upon termination of service, especially if the employee was not informed of this procedure in advance?
• Is the surplus money received as compensation for a car accident, with comprehensive insurance and the fault being 100% on the other party, and which exceeds the actual value of the spare part, forbidden? And must it be returned? And to whom should it be returned?
• What is the ruling on working as a financial claims data entry clerk at Al-Tawuniya Insurance Company?
• To what extent is it permissible for a husband to agree with a bank to deduct a portion of his salary monthly as insurance for his two children, whereby they receive approximately double the amount upon reaching 21 years of age, and the bank automatically pays the amount in the event of the husband's death?
• Is working in the field of compulsory third-party insurance permissible or forbidden, and if it is forbidden, is it permissible to sell land purchased with its profits to start a new project, and how can these funds be purified?