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The Status of Conventional Policy Insurance Compensation Benefits After the Death of Policyholder

The 94th Discourse of the Fatwa Committee of the National Fatwa Council for Islamic Religious Affairs Malaysia convened on 20th-22nd April 2011 had discussed the Status of Conventional Policy Insurance Compensation Benefits After the Death of Policyholder. The Discourse has decided as follows:

After examining the evidence, contentions and views presented, the Discourse is of the view that conventional insurance is a form of Shari`ah non-compliant transaction as it contains elements contrary to fundamental Islamic principles.

Pursuant to that, the Discourse has decided that compensation benefits under a conventional insurance policy received by heirs of a deceased policyholder are regarded as a non-Shari`ah compliant asset.

In this case, only the principal amount of the premiums paid by the policyholder during his lifetime shall be distributed according to the faraidh system. Meanwhile the surplus of the compensation benefits cannot be inherited by the heirs according to the faraidh system and must be disposed of by surrendering them either to Baitulmal authorities of State Religious Councils or by way of donation for welfare purposes, including to the poor and destitute.

If any of the policyholder’s heirs, such as the wife or child is categorised as a destitute or poor person, then it is permissible for the said heir to receive the compensation benefits under the conventional insurance policy in such requisite amount sufficient for him (to meet his needs) as a destitute or poor person upon the approval given by the authority or the Kariah Committee of the relevant residential area. The surplus of such compensation benefits shall then be disposed of according to the method specified in paragraph (3) above.

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Status Pampasan Polisi Insurans Konvensional Selepas Kematian Pembeli Polisi

Muzakarah Jawatankuasa Fatwa Majlis Kebangsaan Bagi Hal Ehwal Ugama Islam Malaysia Kali Ke-94 yang bersidang pada 20 -22 April 2011 telah membincangkan Status Pampasan Polisi Insurans Konvensional Selepas Kematian Pembeli Polisi. Muzakarah telah memutuskan seperti berikut:

Setelah meneliti keterangan, hujah-hujah dan pandangan yang dikemukakan, Muzakarah berpandangan bahawa insurans konvensional adalah suatu muamalah yang tidak patuh syariah kerana mempunyai elemen-elemen yang bercanggah dengan prinsip teras Islam. 

Sehubungan itu, Muzakarah bersetuju memutuskan bahawa pampasan polisi insurans konvensional yang diterima oleh ahli waris adalah dikira sebagai harta tidak patuh syariah. 

Dalam hal ini, jumlah bayaran pokok pembeli polisi ketika hayat sahaja dikategorikan sebagai harta peninggalan si mati yang perlu diagihkan secara sistem faraid. Manakala baki pampasan polisi insurans konvensional tersebut tidak boleh diwarisi oleh ahli waris secara sistem faraid serta wajib dilupuskan dengan diserahkan sama ada kepada pihak Baitulmal Majlis Agama Islam Negeri-Negeri atau didermakan untuk tujuan kebajikan termasuklah kepada golongan fakir dan miskin. 

Jika terdapat ahli waris pembeli polisi, contohnya isteri atau anak-anak pembeli polisi dikategorikan sebagai golongan fakir dan miskin, maka hukumnya adalah harus bagi ahli waris tersebut untuk mengambil wang pampasan polisi insurans konvensional tersebut dengan jumlah sekadar keperluan sebagai fakir dan miskin setelah disahkan oleh pihak berkuasa atau Jawatankuasa Kariah kawasan berkenaan. Baki wang pampasan polisi tersebut perlulah dilupuskan mengikut cara yang telah dinyatakan dalam perkara (iii) di atas.

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