موجودہ نظام ِانشورنس اور ’رفعِ حرج‘ کے اُصول کااطلاق

Abstract

Islām is a religion of nature. In every order it can takes into consideration the strength and approach of its followers. Its orders are very easy and applicable. But some time, for some reason, a kind of narrowness arises. In this situation Shari‘ah comes forward and alleviate it immediately as much as possible this principle of Shari‘ah is called “Raf‘-e-Ḥarj”. In this article, present insurance system has been examined by applying this principle. Here the opinions to those Islāmic scholars have been presented who declared this insurance system forbidden or illegitimate. Besides, the opinions of those scholars have also be presented who under certain conditions, declared this insurance system legitimate according to “Raf‘-eḤarj”,needs and necessities . We can conclude from those opinions that all the Islamic scholars collectively consider the present insurance system forbidden. It is so because, gambling, interest, ignorance and many other social issues are also included in it. But if we look at the needs of the people and the present economic and social situation, this insurance system can be utilized.