An unknown fact or condition. In a commercial transaction, an excessive/ major gharar (غرر فاحش/ gharar fāhish) e.g. the fact or condition of either the contracting parties or the asset in the contract or the price of the asset are not known or made known to contracting parties makes a contract null and void.
Cheating, fraud, or deception. All of these are prohibited by the Sharīah.
Group Family Takaful
Family takaful (usually without medical examination) on a group of people under a master Certificate. It is typically issued to an employer for the benefit of employees, or to members of an association.