The difference between Health Insurance and Health Insurance Sharia-based

Nowadays health insurance is very necessary in our lives. Because people understand that health is a priceless treasure. But sometimes we are concerned with the health insurance products available today. Especially for us Muslims.

We fear if the health insurance contains a "usury". Because the act of usury is a sin and strictly forbidden by Allah SWT. Therefore conventional health insurance turning into sharia-based.

Development of health insurance on the basis of Islamic society began chosen because it is considered more "humane". Because it does not pursue profit. Both sides benefit equally in the Islamic system. 

Let's look at the difference between conventional health insurance with health insurance based on sharia.

1. Health insurance has Islamic Sharia Supervisory Board (DPS), the Sharia Supervisory Board is not found in conventional health insurance.
2. The health insurance contract is a contract Tabbaru sharia (grants), while conventional health insurance contract is based is more like buying and selling.
3. Islamic investment funds based health insurance for the results (mudharobah), barsih of gharar, maysir and usury. On the use of conventional health insurance interest (riba) as the basis of investment calculation.
4. Ownership of Islamic fund in health insurance is the right participants. Company only as a fiduciary to manage the sharia. In the conventional health insurance, funds collected from customers (insurance premiums) belong to the company. Thus, companies are free to determine the allocation of investment
5. Payment of health insurance claims from the funds Tabbaru sharia (kebajikkan funds). In the conventional health insurance claims payments taken from the company fund account.
6. Profit sharing in Islamic insurance kesehahtan divided between the company and the participants in accordance with the principle of sharing pre-determined proportion. On the whole the advantages of conventional health insurance become the property of the company.
7. Islamic medical insurance system of risk sharing. On a conventional health insurance is the transfer of risk.
8. Health insurance must pay zakat on Islamic profits while conventional health insurance does not exist at all.