FatwaJohorTransactions & Finance
PANDANGAN TENTANG KEGAGALAN MENDAPATKAN PERKHIDMATAN LINDUNGAN DARIPADA SYARIKAT-SYARIKAT TAKAFUL
Is it permissible to use conventional insurance coverage if one fails to obtain it from takaful companies?
Short answer
The Johor State Fatwa Committee ruled that, as a general rule, using coverage from conventional insurance companies is not permitted under Islamic law.
A reference, not a fatwa. First sentence of the summary below — read the original fatwa and consult your state authority before acting.
- Authority
- Johor State Mufti Department
- Date
- Status
- Fatwa committee decision
- Series
- Fatwa Negeri Johor
- Topic
- Transactions & Finance
No evidence of gazettement in the source — this is not a gazetted fatwa.
Summary
The Johor State Fatwa Committee ruled that, as a general rule, using coverage from conventional insurance companies is not permitted under Islamic law. The exception applies only after all takaful companies in Malaysia have refused to provide the service. The permission in that case rests on public interest (maslahah amah), one of the objectives of Islamic law (Maqasid Syariah).
Written in our own words from the original fatwa — check the source before acting on it.
Tidak harus mengikut hukum syarak menggunakan perkhidmatan lindungan daripada syarikat insuran konvensional kecuali setelah semua syarikat takaful di Malaysia menolak untuk memberikan perkhidmatan tersebut.
Read the full fatwa on the Johor website (new tab)
How to cite
Cite the original fatwa and its authority. Rujuk Fatwa is only where you found it.
Johor State Mufti Department. “PANDANGAN TENTANG KEGAGALAN MENDAPATKAN PERKHIDMATAN LINDUNGAN DARIPADA SYARIKAT-SYARIKAT TAKAFUL”, 29 December 2010. https://said.johor.gov.my/perkhidmatan/paparan_detail_fatwa.php?id=696. Found via Rujuk Fatwa: https://rujukfatwa.com/en/fatwa/conventional-insurance-when-takaful-refuses/