Takaful (Islamic Insurance)

INTENSITY MARKERS:
[M] = Fard / Wajib (Obligatory — must do) | [1] = Sunnah Mu'akkadah / Highly Recommended | [2] = Sunnah / Recommended | [3] = Mustahab / Virtuous / Commendable | [H] = Haram (Forbidden — must not do) | [h] = Makruh (Discouraged — should not do) | [P] = Mubah (Permissible — neutral)

✅ What to Do

[2]Use Takaful instead of conventional insurance — it is based on mutual cooperation.

[1]Understand Takaful is based on Tabarru' (donation) and mutual guarantee.

[2]Get health Takaful, car Takaful, life Takaful for family protection.

[3]Join a family Takaful plan for long-term savings and protection.

🚫 What Not to Do

What to Do ↑ As You Wish ↓

[h]Take conventional insurance with riba-based investment and gharar (excessive uncertainty).

[H]Take insurance that involves gambling elements.

[h]Over-insure or make fraudulent claims — this is haram.

⭐ As You Wish

What to Do ↑ What Not to Do ↑

— Some scholars permit conventional insurance if Takaful is unavailable (darurah).

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