الفائض في التامين الاسلامي التبرعي احكامه ومعايير احتسابه وتوزيعه

The research is focused on assessing the rulings, and criteria of calculating and distributing the excess insurance i. e. the extra remained amount of insurance payments after the insurance process. This subject is important in the field of Islamic cooperative insurance; as it makes a major difference between it and the commercial type of insurance. This study points out several important conclusions such as; the original case for dealing with this excess is to consider it as being owned by the payers. Hence, they have the priority to refund it. However, it is crucial to apply the agreement stated in the contract in calculating and distributing the excess insurance