This is conventional Insurance system

1. fhg;GWjp – Nfhl;ghLk;
eilKiwAk;
IBM 11013
Introduction to Islamic Economics
Islamic Insurance
RA.Sarjoon
Lecturer in charge
09.06.2011

2. cs;slf;fk;
• fhg;GWjp – XH mwpKfk;
• fhg;GWjp Vd; Njit (Kf;fpaj;Jtk;)
• fhg;GwWapd; Njhw;wKk; tsh;r;rpAk;
• fhg;GWjp tiffs;
• fhg;GWjpr; nrad;Kiw
• flw; fhg;GWjp
• jPf; fhg;GWjp
• MAl; fhg;GWjp
• tpgj;Jf; fhg;GWjp

3. fhg;GWjp vd;why; vd;d?
• Fwpj;j egH my;yJ epWtdk;> jkJ
nrhj;J my;yJ MAs; my;yJ
nghWg;gpw;fhf VjhtJ rk;gtj;jhy;
Vw;gLk; Nrjj;jpw;Nfh> el;lj;jpw;Nfh
Fwpj;j gzj; njhifapy;> my;yJ mjw;Ff;
fpl;ba njhifapy; el;laPL
nrYj;Jtjw;fhf fhg;GWj;JNthDf;F jtiz
Kiwapy; gzf; nfhLg;gdT nra;tjhf
Nkw;nfhs;sg;gLk; XH cld;gbf;if
fhg;GWjp vdg;gLk;.

4. fhg;Gwjpapd; Njhw;wKk;
tsHr;rpAk;
• 1601 ,q;fpyhe;jpd; ghuhSkd;wr; rl;lk;
fhg;GWjp gw;wp njspTgLj;JfpwJ.
• kf;fs; VjhtJ Jzpfur; nraiy nra;tjw;F Kd;
jk; nghUs;> fg;gYf;F gzk; nrYj;jp
fhg;GWjp nra;Ak; gof;fk; ,Ue;jJ.
• flw; fhg;GWjpNa Kjd;ikahdJ. kpf ePz;l
fhy tuyhw;iwf; nfhz;lJ. 1Mk; vyprNgj;
kfhuhzpahH fhyj;jpy; flw; fhg;GWjpNa
kpfg; gpugy;ak; ngw;wpUe;jJ.

5. • gpupj;jhdpah ,f;fhg;GWjp Kiwia
,j;jhypauplkpUe;J fw;Wf;nfhz;lJ
• 1966 Mk; Mz;L 2Mk; rhy;]; kd;dd; fhyj;jpy;
,q;fpyhe;jpy; ngUk; jP Vw;gl;lJ. ,jd; tpisNt
jPf; fhg;GWjp Kiw mwpKfk; nra;ag;gl;lJ.
Rkhh; 100 Mz;LfSf;Fs; gy jPf; fhg;GWjpf;
fk;gdpfs; Njhw;wk; ngw;wd ,jidj; njhlHe;J
rPtpaf; fhg;GWjp Njhw;wk; ngw;wJ
• 18 Mk; E}w;whz;bd; gpd; gytw;wpw;Fk;
fhg;GWjp nra;a kdpjd; Kd; te;jhd;
• gpd; tpahghuj; JiwapypUe;J gpupf;f Kbahj
xU gFjpahf mJ khw;wk; ngw;wJ

6. fhg;GWjp Vd; mtrpak;?
• tpahghupapd; KjyPl;Lj; njhiff;fhd ghJfhg;ig
cj;juthjg;gLj;JfpwJ
• tHj;jfj;jpd; kPJs;s KjyPl;lhsdpd;
epr;rakpd;ikia ePf;fp> mtDf;F ce;J
rf;jpaspf;fpwJ
• KjyPLfs; mjpfupf;fpd;wd
• tpahghup mr;rkpd;wp jdJ gzj;ij KjyPL
nra;fpd;w NghJ Jupj nghUshjhu tsHr;rp
Vw;gLfpd;wJ
• fg;gy; tHj;jf eilKiw fzprkhfg; gpd;gw;wg;gl;L
rHtNjr tpahghuj;jpy; mgptpUj;jp Vw;gLfpd;wJ
(fhg;GWjp ,d;wp fg;;;;;;gw; Nrit ,Ue;jpUf;f KbahJ)

7. • nghpa njhopw;rhiyfs; Njhd;w tha;g;G
Vw;gLj;jg;gLfpwJ
• tq;fpfspd; cjtpAld; ,aq;Fk; Vw;Wkjp>
,wf;Fkjp mYty;fspy; Vw;gLk; Fiwghl;il ePf;FtJ
fhg;GWjpahFk;
• mgptpUj;jpia Vw;gLj;Jfpd;w kpfg; gykhd
tug;gpurhjk; my;yJ KjyPL nra;Nthupd; ,U
fuq;fs; vdyhk;
• jPf; fhg;GKiw ,y;iyNay; fl;llk; Mfpad
ehrkilAk; NghJ me;el;lj;ijj; jhNd nghWf;f
NeUk;

8. • fsQ;rpaj;jpy; Nrkpf;fg;gl;l gz;lq;fs;
jPg;gw;Wk; NghJ> my;yJ fsthlg;gLk; NghJ
fhg;GWjpapdhNyNajhd; mjid <L nra;a
KbAk;
• tpgj;Jf; fhg;GWjp Kiw ,y;iyNay; thfd
tpgj;Jf;fshy; Vw;gLk; jpUj;j mYty;fis
Nkw;nfhs;s KbahJ NghFk;
• tpkhdf; fhg;GWjp Kiw xd;W ,y;iyNay;
ehk; tpkhdj;jpy; gazpf;f khl;Nlhk;
• Njrpa r%ff; fhg;GWjp %yk; kdpjd;
kdepk;kjp milfpd;whd;
• nrsf;fpaf; fhg;GWjp %yk; kUe;J> gupfhuk;
vd;gtw;wpw;F gzk; nrytpl Ntz;bajpy;iy

9. • $ypcupikahf;F Kiwapy;
ngw;Wf;nfhs;sg;gl;l tPL> tPl;Lg;
nghUl;fs; vd;gtw;wpw;F Vw;glf;$ba
el;lk; my;yJ Nrjj;jpw;F etPd fhg;GWjp
Kiw ,lkspf;fpwJ
• FLk;gj; jiytd; ,isg;ghwpa gpd; my;yJ
mtdJ mfhy kuzj;jpd; gpd; mtidr;
rhHe;jtHfs; rhjhuz tho;f;ifiaf; nfhz;L
nry;y fhg;GWjp Jiznra;fpwJ
• fhg;GWjp Kiw r%fj;jpd; nghUshjhu
mikg;gpd; Kf;fpa mr;rhzpahf
tpsq;FfpwJ

10. fhg;GWjp tiffs;
1 jdpahs; fhg;GWjp – Insurance of Person
c-k;: MAl; fhg;GWjp> nrsf;fpa eyd; fhg;GWjp
2 nrhj;Jf; fhg;GWjp - Insurance of Property
c-k;: Nkhl;lhH thfdf; fhg;GWjp
3 nghWg;Gf; fhg;GWjp – Insurance of Liabilities
fhg;GWjp nra;ag;gl;l xUtUf;F vjpHghuhj tpjj;jpy; jkJ
ifahs; ,d;ndhUtUf;Nfh gyUf;Nfh el;laPL nrYj;Jk;
nghWg;G Vw;gly;
c-k;: XH CopaUf;F Nritf; fhyj;jpy; cz;lhFk; jpBH tpgj;J>
Ngupog;G> Mgj;J vd;gtw;wpw;F rl;luPjpahd
nghWg;ghsH njhopw;riy cupikahsHfNs
nghJr; rl;lj;jpd; fPo; tUk; xd;Nw nghWg;Gf;
fhg;GWjpahFk;

11. gpwHgha;f; fhg;GWjp – Third
Party Insurance
• gpwHgha;f; fhg;GWjp nghWg;Gf; fhg;Gwjpap;y;
mlq;Fk; xU tifahFk;
• fl;lhar; rl;lj;jpd; gb jkJ ghJfhg;gpw;F Nkyhf
gpwupd; nrhj;Jf;fSf;Fk;> ghjpg;Gf;Fs;shFk; %d;whk;
jug;gpudu;> mtHfsJ nrhj;Jf;fSf;Fk; nghWg;Gr;
nrhy;Yk; fhg;GWjp gpwHgha;f; fhg;GWjpahFk;
4 rk;gtk; njhlHGf; fhg;GWjp/ cupik gw;wpa fhg;GWjp -
Insurance of Interest or Rights
el;lk; my;yJ Nrjk; Vw;glf;$ba NtW gy re;jHg;gq;fSld;
rk;ge;jg;gLj;jf;$ba rk;gtq;fSld; njhlh;Gila fhg;GWjp
,t;thW miof;fg;gLfpwJ. ghJfhg;G cWjpia ePl;b mfd;w
fhg;GWjpahf khw;Wtjid ,t;thW Fwpg;gplyhk;

12. • c-k;: jPf;fhg;GWjp ngWNthH mj;Jld; nts;sj;jhy; Vw;gLk;
Nrjj;ijAk; cs;slf;fpf; nfhs;sy;
• jPf;fhg;GWjp + gapHtiff; fhg;GWjp
5 cupik epjpf; fhg;GWjp
tpisT el;lk; (Consequential Loss) ,jpy; mlq;Fk;
c-k;: Copah;fspd; Vkhw;W
tpRthrkw;w nray;fs;
mwtpl Kbahf; fld;
tpahghur; nrhj;Jf;fs; ehrkile;j gpd; Vw;gLk; el;lk;
,irf; fr;Nrup xd;W jpl;lkplg;gl;l jpdj;jpy; kionga;J
el;lk; cz;lhfy; Nghd;wd

13. fhg;GWjpapd; mbg;gilfs;
1. Utmost Good Faith – cr;r ek;gpf;if
nfhLf;fy; thq;fypd; NghJ
fhg;GWj;JNthd;> fhg;GWjp ngWNthd;
vDk; ,U gFjpapdUk; cr;r ek;gpf;ifNahL
vy;yh re;jHg;gq;fspYk; flik nra;jy;
mtrpakhFk;

14. 2. Insurable Insurance - fhg;GWjp cupik
fhg;GWjp cupikapd;wp vtUk;
fhg;Gwjpiag; ngw KbahJ. Fwpj;j
nghUSf;F fhg;GupkAila xUtH kl;LNk
fhg;Gwjpiag; ngwyhk;
3. Indemnity – Nrj G+uzk;
Nrj el;laPL nfhLj;jy; njhiff;F Vwf;
Fiwthf ,Uf;Fk;. khwhf mJ $Ljyhd
njhifahf mikahJ

15. 4. Contribution - cjT njhif
G+uz el;lk; my;yJ Nrjk; my;yJ Ngupog;G
vd;gtw;wpw;F Nkyhf fhg;GWj;JNthdplk;
Nrjel;laPL ngw KbahJ. cjT njhif xg;ge;jk;
rpy fhg;GWjpfspy; tpNrlkhf
Fwpg;gplg;gLk; xd;whFk;
5. Subrogation - jj;Jtk;
gjpYf;F itj;jy; my;yJ jj;Jtk; nfhLj;jy; vd;gJ
,jd; nghUshFk;. Nrjk; cz;lhf;fpa
ntspg;gFjpapduplkUe;J el;laPL ngWk; cupik
cz;L. Mdhy; tpgj;Jf;fhf fhg;GWjp
ngw;wpUe;jhy; ntspahH gFjpapdupkpUe;J
el;laPL ngw KbahJ

16. 6. Proximate Cause – mz;ikf; fhuzk;
fhg;GWjp nra;ag;gl;l tpgj;jpy;
Vw;gl;l Nrjkhff; nfhs;sf;$ba
fhuzpahf ,Ue;jhy; kl;LNk (my;yJ
fhuzpapUe;jhy; kl;LNk) cupik
tpz;zg;gk; Nfhuf; fhg;GWjp ngw;Nwhd;
Kay;thd;

17. fhg;GWjpg; gpNuuizg; gj;jpuKk;
cWjpAk;
fhgGWjp ngWtjw;fhd Kd;nkhopTg;gj;jpuk;:
1. Kd;nkhopNthdpd; ngaH
2. Kftup
3. njhopy;
4. ngw;Wf; nfhz;l cWjp my;yJ fhg;GWjp gw;wpa tpguk;
5. cupik Nfl;lypd; tuyhW – fhg;GWjp ngWNthupd; cupik tuyhW>
fhg;GWjp Kd;nkhopag;gl;l tplaq;fs; gw;wp NkYk;
Kf;fpakhd tpguq;fs;
6. fhg;GWjp tplak; - tplak;> nrhj;J> nghWg;G
7. Kd;nkhopNthdpd; taJ> gpwe;j jpdk;
8. kWj;jy;> Nkyjpf gzk; nrYj;Jjy; my;yJ xg;ge;jk;
9. fhg;GWjpg; gzk;
10. ifnahg;gk;
11. jpfjp
12. Kftupd; mwpf;if
13. Gpurpj;jg;gLj;jy; - KbT ngwy;

18. • Kd;nkhopTg; gj;jpuj;jpy; fhzg;glf;$ba
kw;Wk; gy tplaq;fs; :
1. fhg;GWjp
2. nry;Ygbahfhjhf;fy; - Cancellation
3. eLj;jPh;g;G – Arbitration
4. gl;Nlhiy – Shedule
fhg;GWjp ,yf;fk;
fhg;GWj;JNthdpd; ngaH
tplak;> nrhj;J gw;wpa tpguk;
fl;lz msT
nry;YgbahFk; fhyk;

19. Thank You