الإثنين, 10 أيلول/سبتمبر 2012 10:13

التأمين التجاري بجميع أنواعه

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الحمد لله رب العالمين والصلاة والسلام على نبينا وعلى آله وصحبه ... أما بعد :
فإنه سبق أن صدر من هيئة كبار العلماء قرار بتحريم التأمين التجاري بجميع أنواعه لما فيه من الضرر والمخاطر العظيمة وأكل لأموال الناس بالباطل وهي أمور يحرمها الشرع المطهر وينهى عنها أشد النهي

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كما صدر من هيئة كبار العلماء بجواز التأمين التعاوني وهو الذي يتكون من تبرعات المحسنين ويقصد به مساعدة المحتاج والمنكوب ولا يعود منه شيء للمشتركين - لا رؤوس أموال ولا أرباح ولا أي عائد استثماري - لأن قصد المشترك ثواب الله سبحانه وتعالى بمساعدة المحتاج ولم يقصد عائدا دنيويا وذلك داخل في قوله تعالى : " وَتَعَاوَنُوا عَلَى الْبِرِّ وَالتَّقْوَى وَلَا تَعَاوَنُوا عَلَى الْإِثْمِ وَالْعُدْوَانِ" . وفي قول النبي صلى الله عليه وسلم : " وَاللَّهُ فِي عَوْنِ الْعَبْدِ مَا كَانَ الْعَبْدُ فِي عَوْنِ أَخِيهِ " وهذا واضح لا إشكال فيه .

ولكن ظهر في الآونة الأخيرة من بعض المؤسسات والشركات تلبيس على الناس وقلب للحقائق حيث سمّو التأمين التجاري المحرم تأميناً تعاونياً ونسبوا القول بإباحته إلى هيئة كبار العلماء من أجل التغرير على الناس والدعاية لشركاتهم وهيئة كبار العلماء بريئة من هذا العمل كل البراءة لأن قرارها واضح في التفريق بين التأمين التجاري والتأمين التعاوني وتغيير الاسم لا يغير الحقيقة .
ولأجل البيان للناس وكشف التلبيس ودحض الكذب والافتراء در هذا البيان .
وصلى الله وسلم على نبينا محمد وآله وصحبه أجمعين .

المفتي العام للمملكة العربية السعودية .
رئيس هيئة كبار العلماء ورئيس اللجنة الدائمة للبحوث العلمية والإفتاء .
التاريخ : 22 - 2 - 1417 هـ

 

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