The praise of God and grace
Fatwa issued the Fatwa Libya
For permission to the chosen insurance company practice of Takaful insurance in accordance with Islamic Sharia
تم بحمد الله وفضله

إصدار الفتوى الشرعية من دار الإفتاء الليبية
للإذن لشركة المختار للتأمين بمزاولة التأمين التكافلي وفق الشريعة الإسلامية

الإطلاع على الفتوى

 

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Marine Cargo Insurance

يThis type embraces the insurance coverage on maritime voyage and includes: Shipping vessel, Goods, Persons on board. The transport unit may be a ship, aircraft, a truck or a railway carriage. Insurance covers the goods from the risks exposed thereto whether the goods transported by sea or air In addition to furnishing insurance coverage to fleets and insurance coverage for the goods.

Motor Car Insurance

Considered as one of the most widespread insurance type in the world given its importance whereas it affects the safety of individual as well as the safety of his properties and the public properties and provides protection and security from risks occurring as a result of road traffic accidents and the ensuing damages on Man and his properties. This type of insurance includes the following: Compulsory car insurance (obligatory insurance), Supplementary car insurance (commercial / particular).
Orange Card Insurance: covering civil liability against damages caused to third parties during car circulation in Arab countries.

Health Insurance

Health insurance policy and this type includes:
· Cost of hospitalization.
· Hospital services.
· Cost of surgical operations such as consultant doctors, surgeons and anesthetists.
· Cost of extra-hospital treatment such as wages of physicians, diagnosis by radiology, CT scan, MRI and the different lab investigations as well as the price of medicaments and cost of medical treatment.

General Accident Insurance

This type offers the following insurance coverage's:
·Contractor Risks Insurance.
·Installation Risks Insurance.
·Insurance of Contractor's Equipment and Machinery.
·Insurance against Machines Breakdown.

Fire/ Ener. & Burglary Insurance

This type includes the following insurance coverages:
· Fire risk insurance policy – Fire and additional risks – all risks policy.
· Burglary policy.
· Family protection policy.

Aviation Insurance

This type offers the following insurance coverages:
. Passenger and good transport aircrafts
· Training aircrafts.
· Ambulance aircrafts.
· Agricultural aircrafts.
· Geographic survey aircrafts.

Life Assurance

Life Assurance Policy (individual and group)
This type of insurance comprises the insurance contracts that compensate lost income as a result of old age, disability or death. There are also various types of life insurance contracts to covering and appropriate with the economic and living conditions of all members of the Libyan society.

Travel Insurance

Passengers Insurance policy and covers the following:
· Unexpected damages caused or sustained to the passenger during his trip.

Medical Insurance

This policy covers the medical liability arising from death, any bodily injury or infliction of any material or moral damage to any body as a result of professional mistake while carrying out medicine profession and other allied professions.

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