الفائض التاميني في التامين الاسلامي

Surplus in Islamic insurance

This paper discusses insurance surplus in the Islamic insurance tackling its definition, significance, and the ways of managing it. During the paper, it has been noticed that insurance surplus is the title of the coinsurers and that the company manages it according to their interests such as instituting reserve, decreasing premium, or distributing it to them whereas the company has not any right to take that surplus.