The are some students who are not agree with Islamic insurance because in Islamic insurance the customers are joint therefore the monthly payment is joint together with other customers. If one other customers needs to use the insurance then they will take from the joint money and each time when someone takes the money the money will get less. Another one is in Islamic insurance the customers pay the money by saying it is donation so therefore the money can not be taken. In Islamic insurance even if the money can not be taken but the customer is entitle to the money he or she paid by using the money for emergency but can not withdraw the money. Every insurance have different policies, and one great thing about Islamic insurance or Islamic banking the customer will be informed about every detail of every information, the will be not hidden information.