Potential of Tabarru’ Fund’s Coverage for Pandemics within Framework of Takaful: Does it Necessitate Ijtihad?

Abstract: Global economic and social development has been severely inhibited by the COVID-19 outbreak. The long-term closure of sectors resulted in numerous losses presents a great challenge for many industries recovering their losses. Pandemics are not generally covered insurance takaful companies because outbreak disease on global level is rare event that requires substantial amount capital to cover it. Still, insurances operators voluntarily agreed waive this condition circumvent relevant rules provide coverage treatment during specific period time. industry challenged providing hospitalization benefits patients where pandemic clause included contract. This conceptual paper focuses when contracting parties require ijtihad from shariah scholars determine need tabarru’ funds stated By using qualitative approach, study finds contracts amendment clauses, or other fundings be established matters specified contracts, such as epidemics pandemics.