💥 Insurance (bīmah) ke himayati iski tareekhi pas-manzar yun bayan karte hain: 1400 Esvi mein Italy mein ek tajir ka jahaz samandar mein doob gaya, jis se woh ghareeb ho gaya. Doosre tajiron ne mil kar uski madad ke liye paisay jama kiye taake woh dobara apne pairon par khada ho sake. Mustaqbil mein aise waqiyat ke imkaan ko dekhte hue, tajiron ne faisla kiya ke woh har mahine ya saalana, apni sahoolat ke mutabiq, ek muqarrar raqam jama karte rahenge taake aise hadsat aur khatron se hone wale nuqsanat ko kam kiya ja sake.
💥 Yeh pas-manzar (context) ghair-muslimon ki tang-nazri ko saaf zahir karta hai!
🌟 Iske bar-aks, Islam ne aise halaat ke liye ek behtar nizam muta’arif karaya hai, jise sadaqah (khairat) kehte hain.
🌙 Allah ke Rasool (Salallahu Alaihi Wa Sallam) ne farmaya: “Jis shakhs ko aisi musibat pahunche jo uska maal khatam kar de, usay ijazat hai ke woh madad talab kare jab tak ke woh mali taur par mustahkam na ho jaye.” [Sahih Muslim: 1044]
💨 Allah Ta’ala ne aise afraad ko gharimeen (qarzdaar) qarar diya hai aur unhe zakat ke funds mein se hissa lene ka haqdar banaya hai. [Surah At-Tawbah: 60]
🎯 Islam hukm deta hai ke maaldar Musalman har saal apni daulat ka ek muqarrar hissa zakat (farz sadaqah) ke taur par nikalen.
🎯 Iske ilawa, Musalmanon ko farz atiyat (zakat, ushr, fitrana, wagaira) ke alawa Allah ki raza ke liye nafli sadaqat (ikhtiyari khairat) dene ki bhi targheeb di jati hai.
🎯 Islam sadaqah ko sirf un logon tak mehdood nahi karta jo khud atiya karte hain; balkay, jo bhi Islam qabool karta hai aur sadaqah ka mustahiq banta hai, woh haqeeqatan isay hasil kar sakta hai.
💥 Islam ke zakat aur sadaqah ke khoobsurat nizam ke bar-aks, insurance ka nizam nihayat nuqsan-deh aur kharab hai.
💨 Mukhtalif insurance companiyan masoom logon ko jhoote waadon aur fareb-deh lalach se phansati hain, aur unhe apni chaalon mein uljha leti hain.
💨 Isi tarah, badi companiyon ke kayi “aqalmand” rehnuma in chalaak idaron ki pur-asar hikmat-e-amli ka shikar ho jate hain aur apne sabhi mulazmeen ke liye insurance lazmi qarar de dete hain.
⭐ Shar’i nuqta-e-nazar se, insurance – chahe woh takāful (bahami ta’awun) ke pur-kashish naam ke parde mein ho, isay jaiz qarar dene ke bahane ke taur par – kayi bade gunahon ka majmooa hai, jin mein sab se ahem ribā (sood), qimār (jua), aur gharar (dhoka-deh ghair-yaqeeni) hain.
☄ Chahe woh life insurance ho, medical insurance ho, property insurance ho, ya vehicle insurance ho, insurance ki tamam aqsam mein yeh anasir shamil hote hain.
☄ Mazeed bar-aan, insurance Musalman ke taqdeer par yaqeen (‘aqīdah al-qadr) ko kamzor karta hai.
☄ Yeh Islami wirasat ke nizam ko bhi kharab karta hai, kyunke insurance ki adaigiyan naamzad afraad ko taqseem ki jati hain na ke Shar’i taur par haqdar warison ko.
☀ Insurance ke tehat diye jane wale bonus ribā (sood) ki ek qism hain, aur is mein maujood gharar (dhoka-deh ghair-yaqeeni) – kyunke na policyholder ko pata hota hai ke woh kitna ada karega aur na company ko pata hota hai ke usay kya milega – bilkul haram hai. Isi tarah, insurance mein aḍrār (nuqsan pahunchana) bhi na-jaiz hai.
🎯 Agar koi shakhs insurance policy band karna chahta hai, to company aksar uski di huwi raqam ka 40% tak zabt kar leti hai.
🎯 Kuch mamlaat mein, beema shuda shakhs ke apne waris bhi usay qatal karne ki sazish kar sakte hain taake kam nuqsan ke sath jald hi ek badi raqam hasil kar saken.
🔥 In sangin khilafarzion ki wajah se, insurance Shar’i nuqta-e-nazar se saaf taur par haram aur na-jaiz hai.
🍃 Lehaza, kabhi bhi insurance ka intikhab na karen. Agar koi company mulazmat ki shart ke taur par insurance par israr karti hai, to us se door rahen aur Allah ki fazilat kahin aur talash karen.
(Shaikh Muhammad Rafiq Tahir [Hafidhahullah] ke Telegram channel se liya gaya, aur English se Roman Urdu mein tarjuma kiya gaya.)
Note:
Shaykh Yoosuf ash-Shubayli (Hafidhahullah) ne farmaya:
“Agar jis mulk mein koi shakhs rehta hai, jahan ka qanoon usay gaadi ka insurance karwana lazmi qarar deta hai, warna usay qanoon todne wala samjha jata hai, to is soorat mein insurance karwana jaiz hai, kyunke yahan ek zaroorat hai jo aisa karne par majboor karti hai.
Lekin usay yeh samajhna chahiye ke agar qanoon sirf third-party insurance ya us se kam darje ka insurance karwane ka mutalba karta hai, to usay is se zyada karna jaiz nahi, kyunke is se zyada zaroorat ke tehat nahi aata- aur shariyat ka ek qayam shuda usool hai ke zaroorat ka sahih andaza lagaya jaye.”
(07/Jumada al-awwal/1437 , 16/February/2016, islamqa.info, #239647)
(Translated by Mohammed bin Thajammul Hussain Manna)
Saheehus-Seerah 