About Sharia Insurance and Fiqh Islam
Fiqh is divided into two, namely fiqih about interpretation related to human relationship with Allah which is called fiqih ibadah, and Fiqih about interpretation relating to human relation with human, which is called fiqih muamalah.
In terms of the provisions concerning worship, everything has been arranged by Allah SWT and Prophet Muhammad SAW because basically all types of worship are not allowed unless there are orders and provisions against him. Example: Prayer required for Muslims to do it is 5 time in a day, that is at the time of Fajr, Dzhuhur, Ashar, Maghrib, and Isha '. Muslims can not add the obligatory prayer time to 6 or 7 times a day because the stipulations on the obligatory prayer times are arranged and determined according to the Qur'an and Sunnah, ie 5 times a day. Likewise with the provisions of zakat, fasting, pilgrimage, and other worship. Everything has been set and determined the type, manner, and time of implementation.
Whereas in terms of regulations or provisions on muamalah, everything its original law is allowed to do unless there has been a ban. Example: Allah Almighty allows people to trade but forbids people from doing Riba 'or lending money. Sharia insurance is included in the category relating to the provisions on muamalah.