Analisis Perbandingan Dan Implementasi Perlindungan Konsumen Dalam Asuransi Syariah Dan Asuransi Konvensional

Abstract

Insurance is a vital part of the modern financial system, providing protection against risk. There are two main models: conventional insurance and sharia insurance. The primary difference between the two lies in their operational principles. Conventional insurance relies on the concept of risk transfer, while sharia insurance is based on mutual assistance. This paper aims to analyze the differences between the two systems and examine two real-life cases to illustrate their practical implementation. Insurance is a crucial instrument in the modern financial system, providing protection against unforeseen risks. Amidst growing public awareness of the importance of financial protection, two main approaches to insurance practice have emerged: conventional insurance and sharia insurance. These two systems differ fundamentally in their principles, contracts, and objectives.