We publish new rules of insurance contributions for workers abroad

We publish new rules of insurance contributions for workers abroad .. "Insurance" a book distributed to consulates to urge Egyptians to participate in the insurance fund .. Different segments of the value of remuneration linked to repayment

Issued the National Authority for Social Insurance Ministry of Insurance book about the contributions of Egyptians working abroad in the social insurance during their stay abroad.
And provides fund working sectors business and the private sector for workers abroad to get a subscription form from the main center of the Fund and its branches nationwide or through the consulates and branches of the Banque du Caire abroad, is scheduled to be sent the book to the ministries of labor and foreign Tqoma in turn distributed to Egyptian consulates abroad to enable workers to get it and find out the advantages subscribe insurance .
And ensures the book , who won the "seventh day " in the image of him monthly installments for those who want insurance income , and for the income of the insured and which has a salary 150 pounds a month Vsicom pay the value of involvement insurance amount of 33.75 pounds and income of 200 pounds will pay subscription 45 pounds , and monthly income of $ 260 pounds will pay 56.25 pounds , worth 300 pounds income will pay 67.50 pounds , and a $ 350 monthly income will pay 78.75 pounds pounds , and in the case of the high value of the insured income to 450 pounds will pay the amount of insurance a month worth 90 pounds.
For the income of £ 500 will be working to pay 101.25 pounds per month , and the income value of 550 pounds will pay 112.50 pounds, and income of 600 pounds will pay 123.75 pounds, and income value of 650 pounds will be insured to pay the amount of insurance 135 pounds a month , and in the case of high income insured to 700 pounds Vsicom to pay 146.50 pounds, and income of $ 800 pounds will be insured to pay the participation of 180 pounds , and the income value of 850 pounds will be working to pay the amount of 191.25 pounds , and in the case of high -income to 900 pounds, the amount of insurance will be 202.50 pounds, and income worth 950 pounds , the amount of insurance would be worth 231.75 pounds .
For workers whose income Monthly 1100 pounds, the amount of insurance will be 247.50 pounds, and income worth 1200 pounds , the value of subscription insurance will be 270 pounds, and income worth 1300 pounds will be up insurance for an amount 292.50 pounds, and income worth 1400 pounds value of the monthly subscription with 315 pounds, and income of $ 1500 pounds value of subscription 337.50 pounds, and income of $ 1600 LE The value of the subscription insurance will 360 pounds, and income of $ 1700 EGP , the value of the amount of insurance will be 382.50 pounds, and income of $ 1800 LE will be insured to pay 405 pounds , and in the case of the arrival of income to be insured to 1900 pounds the value of the monthly subscription amount to 427.50 pounds, and income worth 2000 pounds , the value of the subscription will be 450 pounds , and income worth 2100 pounds , the value of the subscription will reach 472.50 pounds.
As he emphasized Fund workers in business and public sectors the Ministry of Insurance that it will add a new slide in the month of January of each year , an increase of 15% , on the last slide table applicable from the date added , will also determine contributions by 22.5% of the value of income subscribe, add to pay for subscriptions in any foreign currency convertible Egyptian banks , also be made for each month or three months or six or every year, depending on the choice of the insured , so as to avoid delay penalties in repayment , especially since stopping performance Subscriptions for 6 consecutive months .
It also will be paid a pension for the insured in the event of old age, disability full and natural death or resulting from a work injury that receive old-age pension at the age of 60 years, and that those who reached his involvement insurance 180 months , while gets early retirement before reaching the age of sixty, and in case of termination of service of the insured abroad with providing document separation and certified by the embassy or consulate Egyptians abroad , and not less than the contribution period of 20 years , while will get a pension permanent total disability or natural death by 65 % of the value of the premium subscription provided that at least the duration of participation for three consecutive months and is performed by subscriptions, and death occurs at work or within a year from the date of termination of employment, regarding pension permanent total disability and death resulting from a work injury , the pension will be increased by 80% of the value of income to participate, and increases the pension by 5% each 5 years until the insured reaches sixty years, a fact or judgment.

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Islamic insurance industry began the first Islamic insurance company in Sudan

Islamic insurance industry began its first Islamic insurance company in Sudan and in the year 1979. The growth rate of the insurance sector compatible with the provisions of Islamic Sharia " Islamic insurance " between 20 25 % per annum while the growth of the commercial insurance sector ratio ranging between 6 and 7 % per annum and is due to the growth of the Islamic financial sector in general. The number of Islamic insurance companies in the Arab world is currently about 114 companies and nearly 220 companies in the world.
Definition of Islamic insurance ( Cooperative ) : It is from decades donation intended to originality cooperation to break up the dangers and to participate in taking responsibility when it is disaster through contribution of persons amounts of cash earmarked for compensation from the fall ill, damage, Fjmaih cooperative insurance does not target the trade and profit from the funds of others but they mean the distribution of hazards , including cooperation to withstand damage. The cooperative insurance devoid of usury both types Lord credit and usurythe ,  decades asthmatic shareholders do not take advantage of what the collection of premiums in asthmatic transactions .
It is clear from the foregoing that the Islamic insurance ( Cooperative ): is an agreement between a group custodians , and the commitment of every member of the custodians in which about others does not depend on how much you pay the premium , but its limits are the share of public danger , because this is the meaning of cooperation and interdependence. It is also no objection to the investment of insurance premiums for the benefit of their owners , but requires to be within the scope of permissible purposes. And the insurance company Cooperative Company and function management of funds and not security as is the case in commercial insurance companies , and the company's relationship to this wallet ( money ) is based on the Agency is managing the portfolio for a fee lump stipulated in the Convention, and profit if the check is for subscribers as well as the loss will be on them as the agent to be trusted and is not a guarantor , and thus  of insurance premiums after the payment of compensation belongs to the subscribers.
Perhaps the relationship on the basis of speculation , so the company manages the portfolio speculator part of the profit earned from the investment , and in this case the company is not worth only a portion of the profit if the check .
Some may wonder about the difference between commercial insurance and Islamic insurance :
* Significant difference in terms of the nature of the contract and investment benefits and premiums , in the Islamic insurance process should be based on mutual insurance among the participants and everyone pays them is donated it to the portfolio that gets them compensation. فكأنهم collecting their risks as well as their money to donate to the joint them Balrcn to help his brothers in the event of a hated it.
* The nature of the contract in the commercial insurance is held netting included tricked unforgivable , and the ambiguity of the things that invalidate contracts in Islamic law, the believer in a commercial insurance salesman insurance policy owner for the price of a premium and the insured buyer of policy worthy of the consideration upon the occurrence of the risk insured and therefore  of insurance premiums after the payment of compensation belongs to the insurance company.
* The commercial insurance company are not subject to invest premiums to any restrictions only legal restrictions and the expected profit from the investment in the Islamic insurance companies addition to taking into account the legal and investment profits investment must be compatible with the provisions of Islamic Sharia .
* The main objection on the wording of the insurance business is that they were deceived and risk , so that the payment of repository sum of money to the insurance company trade versus security entails entering into a contract similar contracts gambling , he held a probabilistic probably happened in the end, compensation represents fold pay and perhaps to pay those fees did not get anything , all pending orders probabilistic accident is provided in the policy , and this of decades ambiguity that reportedly forbidding her in an interview with the Messenger of Allah , peace be upon him .

* The ambiguity in the language is the danger and deception In the idiosyncratic terminology is the consequence Mastour , and defined by some scholars as " rumors between two things , one I think ."* Instead of the sale of the insurance company 's commercial insurance policy , we have made in the Islamic custodians growing up insurance , including protecting the portfolio risk and enough to compensate for the impact of it hated them , which is based on the donation netting .
Islamic insurance importance in economic terms :
The definition of insurance in economic terms is : a tool to reduce the risk faced by the individual by assembling a sufficient number of units exposed to that same risk (  and home depot ... etc. ) to make the losses suffered by each individual predictable as a collective , and then each owner unit locked up share attributable to that risk.The definition of insurance legally is: contract of a pledge whereby a party for a fee to compensate the other party for the loss if caused by an accident specified in the contract, and is committed to the insured under which lead to the insured or to the beneficiary , who spoke on insurance in favor of a sum of money or income salary or any Awad other financial in the event of accident or check the danger that is specified in the contract and in the peer- premium or any financial boost performed by the insured for the insured .
The Islamic insurance service productivity important as the episode of the economy interrelated protection is granted to all elements of the production and maintains the economic situation of the family in particular and society in general , as it supports the confidence and trust in the community and who are among the most important factors in increasing production and continuity of economic life and stability.
Of the most important features that characterize the economy upscale is the compatibility and interdependence existing between the insurance sector and the banking sector through policies and laws in place thereon; and achieve continued development of the tributaries of this economy, agriculturally and commercially and culturally , to the economy, a solid integrated .
The principle of social solidarity, one of the basic pillars of the Muslim community, and the concept of solidarity on the subject of Islamic insurance based on the collection of humanitarian forces in society in order to maintain the payment of damages for the social construction and residence on a sound footing . Perhaps informed picture of social solidarity as stated in the hadith him peace be upon him " the insured for the insured Kalpnian  pull together " and saying peace be upon him "like the believers in their mutual love , mercy like the flesh if complained to a member falter, the rest of the body ensuring and fever ."
He urged God Almighty , on cooperation and interdependence in more than one place in the Holy Book where God Almighty said " virtue, righteousness and piety do not help one another in sin and aggression" that cooperation through which materialize the principles of Islamic insurance cooperative . Islamic insurance and enjoys the instinctive acceptance of the dealers with insurance companies committed to the provisions of Islamic Sharia law in all its dealings , including:
* The practice of insurance operations on the basis of cooperative insurance headquarters religiously as an alternative to commercial insurance .
* Operations Management and insurance money paid on the basis of the agency known determines starting prior to the beginning of each fiscal year
* Do not include the terms of insurance policies void legally .
* Be reinsurance agreements under the guidance of legitimate oversight bodies .
* Investment of insurance funds through legitimate means .
* Adherence to standards issued by the Government Accounting and Auditing Islamic .
* Commitment fatwas issued by legitimate oversight bodies .
* Non- Property Insurance Forbidden or handle them .
* Deposit insurance funds in banks or Islamic financial institutions.
This has required the demand for transactions entered into in insurance companies Islamic view of the evolution of urban , industrial and commercial witnessed by Arab and Islamic countries , which led to increase the capital of insurance companies , the Islamic demand for project investment in, and the conversion of some insurance companies, traditional insurance companies Islamic.
Challenges and difficulties facing the Islamic insurance companies :
· Pursuit of developed or developing countries alike is always to achieve the economic development of their communities and the preservation of capital and investment by creating a sound investment vessels .
· The assessment of the money men and the economy of the importance of the safety and durability of the relationship between insurance companies and banks , he gave a great responsibility on the administrations of these institutions .
· The establishment of Islamic banks that have emerged need to complete the loop of Islamic economics establishment of an Islamic insurance companies , the fact that the insurance system is one of the most important economic systems that have an important and essential role in supporting the national economy .
· Seniority commercial insurance companies in the foundation and expertise and the types of insurance coverages .
· Diminutive capital began by Islamic insurance companies .
· False insurance practices in the pricing of risk and processing losses .
· Weak awareness of insurance in general , and the lack of understanding of many fundamental differences between the nature of the work of Islamic insurance companies and commercial insurers .
· Limited areas of investment of insurance funds in the Islamic insurance companies .
Reinsurance :
The re- insurance is an integral part of insurance, no prosperity for Islamic insurance companies only re- insurance , because they :
Way to ensure payment of compensation to those affected by the custodians .
Working to increase the capacity of the insurance companies.
Break up and spread risk through several insurance companies or several insurance markets .
The establishment of a number of Islamic re-insurance companies after nearly thirty years of the emergence of the first Islamic insurance company .
Asylum major Western reinsurance companies to participate in the establishment of Islamic insurance market Islamic reinsurance companies .
The Islamic jurisprudence and Lud in his ideas and creative innovations and sound in applications , making it necessitates the importance of choosing the members of the legality of the oversight bodies with long experience and profuse science .
Conclusion:
· The Islamic insurance industry is a cornerstone of Islamic economics , Islamic banking and occupies center stage among Islamic financial institutions , followed immediately by the Islamic insurance companies .
· Islamic insurance companies are part of the social and economic fabric .
· Attributed to Islamic insurance companies they laid the foundations and principles of thought and the mechanism underlying the Islamic insurance .
· I proved Islamic Economics presence and his ability to keep up with and contain all the requirements and variables of economic life and its ability to respond to crises , because the economic principles Islamic social are the teachings taken from the word of God Almighty and the Sunnah of His Prophet Muhammad peace be upon him and diligently imams.
· The provisions of the Islamic Sharia based on the principles of justice , fairness and honesty in dealing and away from commercial transactions that Islam forbade it .
· The remarkable successes achieved by successive Islamic insurance industry and reinsurance prompted many international companies to invest in this area.
· Many countries issued the necessary legislation to adopt a system of insurance and reinsurance Islamic system as an alternative to commercial insurance.
Prepared by: Abdul Wahab Ahmed Al Khayat
References:
* Ahmed Mohammed Sabbagh - Opportunities and Challenges in the Takaful insurance industry
* Protect Nasser - Islamic insurance
* Islamic FN - Islamic insurance
* General Council for Islamic Banks and institutions - Islamic insurance companies directory shows a Mahloza rise in the number of subscriptions

Marine Insurance

This kind of insurance that you need protection where the trade believes cargo by sea or air or by road or by rail The focus of this insurance to compensate the owners of goods losses incurred by Bdaathm the because of their exposure to risks insured against it during transportation or shipping. The types of documents provided by this type of insurance has adopted a model document for marine insurance put complex مكتتبي marine insurance in London and called on the document name (MAR) and added to this document sets conditions provide hoods insurance for all types of marine insurance is three
Groups:

    Set conditions Mahdah provide insurance cover and protect against the dangers of transport
    Set of conditions to provide insurance protection against the dangers of war
    Set conditions Mahdah provide insurance cover against the risks of strikes