Health Takaful And Sustainability In Medical Treatment: An Analytical Jurisprudential Reading With Applications To Neonatal Care
Keywords:
health takaful, sustainability, neonatal care, Islamic jurisprudence, health insurance, harm principle, health equity, legal maximsAbstract
This study addresses the issue of health takaful (cooperative health insurance) as a jurisprudential and ethical tool supporting sustainability in medical treatment, particularly in neonatal intensive care units (NICUs), where treatment costs pose a burden on both families and the state.
The research begins by grounding the concept of health takaful in Islamic legal principles such as “harm must be eliminated” (al-ḍarar yuzāl), “what is feasible does not fall due to what is difficult” (al-maysūr lā yasquṭ bi al-maʿsūr), and “liability is borne by the one who causes it” (al-kharāj bi al-ḍamān), linking these to the economic dimensions of sustainability and health equity.
The study adopts an analytical and inductive methodology, reviewing models of Islamic health insurance (takaful) and their role in delivering effective neonatal care within limited resources. The study concludes that it is possible to establish integrated models of Sharia-compliant health takaful that enhance equitable access to treatment and achieve a balance between Islamic legal ethics and modern medical practices.
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