مفهوم المسؤولية عن التأمين الصحي للمواطن في منظورالاقتصاد الإسلامي: دراسة تحليلية
DOI:
https://doi.org/10.31436/jia.v20i2.1098Keywords:
التأمين الاجتماعي, التأمين الصحي, مسؤولية التأمين الصحي, رسوم التأمين الصحيAbstract
هذا البحث تحليل لمفهوم المسؤولية عن التأمين الصحي للمواطن في الاقتصاد الإسلامي، وهو بحث نظري يعتمد على المنهج الوصفي لكشف مفهوم التأمين الصحي في الاقتصاد الإسلامي. وقد أشارت نتائج البحث إلى أن التأمين الصحي في الحقيقة مسؤولية الحكومة، فالأصل أنه يجب على الحكومة أن توفر التأمين الصحي عن طريق بناء المستشفيات، والأدوية، وأن تعدّ الموارد البشرية في خدمة الصحة، والقيام بخدمة صحية مجانية للمرضى من المواطنين. يجب على الدولة أن تقوم بتنظيم ما بحيث لا تعسر وسائل الصحة على المجتمع سواء أ كان التمويل صادرا من إدارة أموال الدولة أم خزينتها أم إدارة أموال الزكاة أم الأوقاف وغيرهما. وفي حال عدم قدرة الحكومة على القيام بذلك لسبب ما، فيجوز لها أن تفوض هذه المسؤولية إلى المجتمع للقيام بالمسؤولية عن صحتهم مباشرة مع شروط موافقة لمنظور الاقتصاد الإسلامي من خلال رسوم التأمين الصحي و الوقف و الزكاة والإنفاق والصدقة و الهبة و غير ذلك.
The Concept of Responsibility for Citizen's Health Insurance from the Perspective of Islamic Economics: An Analytical Study
This research analyzes the concept of responsibility for citizens' health insurance from the perspective of Islamic economics. This is a literature review with a descriptive method to explore the concept of health insurance from the perspective of Islamic economics. The results indicate that health insurance is the responsibility of the government. Ideally, a state is obliged to provide health insurance by establishing hospitals, providing medicines, preparing resources in health services, and providing health services to sick citizens for free. The state must regulate it to ensure the public has easy access to public health, either by national funding, state treasury, or the management of zakat, waqf, and others. If the government is unable or does not have the ability to implement and provide them, the government may oblige or ask the community to take direct responsibility for health insurance as long as they follow the Islamic economic perspective, either through health insurance contributions, waqf, alms, grants, and other
Keywords: Social security, health insurance, responsibility for health insurance, health insurance contributions.
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