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 نحيطك بالأمان  توزيع فائض التكافل  إفطار رمضاني  الإسلامية السورية للتأمين تشارك جامعة حلب بندوة حول التأمين التكافلي  سورية تشهد أول عملية توزيع فائض التكافل
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  Concept of Islamic Insurance

Islamic Insurance is founded and based on principles of mutuality and co-operation between Policyholders. And it's not based on profitability as a major principle but it's established for the purpose of facing hazards and in handling all out coming financial liabilities and damages that might confront a Policyholder or his or her possessions. Therefore; based on this principle Policyholders cooperate among themselves in order to compensate any member facing damages, or liabilities.

And since the Policyholders are owners of this insurance operation, they have the right to recover the surplus of insurance transactions in cash, according to the value of each participant's insurance installment paid, after deducting required expenses. Also the company and its stockholders do not retain or withhold any percentage of this excess on the contrary of traditional insurance companies where their profit proceeds from selling Insurance services and their products are provided to shareholders only and not to policyholders.

At the same time, Shareholders (Capital owners) Invest policyholders' collected funds for an approved set percentage of the investment earnings in return for managing these funds. And that's another major distinction between Islamic and traditional insurance.

An Islamic insurance system separates between stockholders and policyholders in a way that gives the second party the opportunity of being real partners!