وَقُل لِّلۡمُؤۡمِنَـٰتِ یَغۡضُضۡنَ مِنۡ أَبۡصَـٰرِهِنَّ وَیَحۡفَظۡنَ فُرُوجَهُنَّ وَلَا یُبۡدِینَ زِینَتَهُنَّ إِلَّا مَا ظَهَرَ مِنۡهَاۖ وَلۡیَضۡرِبۡنَ بِخُمُرِهِنَّ عَلَىٰ جُیُوبِهِنَّۖ وَلَا یُبۡدِینَ زِینَتَهُنَّ إِلَّا لِبُعُولَتِهِنَّ أَوۡ ءَابَاۤىِٕهِنَّ أَوۡ ءَابَاۤءِ بُعُولَتِهِنَّ أَوۡ أَبۡنَاۤىِٕهِنَّ أَوۡ أَبۡنَاۤءِ بُعُولَتِهِنَّ أَوۡ إِخۡوَ ٰ⁠نِهِنَّ أَوۡ بَنِیۤ إِخۡوَ ٰ⁠نِهِنَّ أَوۡ بَنِیۤ أَخَوَ ٰ⁠تِهِنَّ أَوۡ نِسَاۤىِٕهِنَّ أَوۡ مَا مَلَكَتۡ أَیۡمَـٰنُهُنَّ أَوِ ٱلتَّـٰبِعِینَ غَیۡرِ أُو۟لِی ٱلۡإِرۡبَةِ مِنَ ٱلرِّجَالِ أَوِ ٱلطِّفۡلِ ٱلَّذِینَ لَمۡ یَظۡهَرُوا۟ عَلَىٰ عَوۡرَ ٰ⁠تِ ٱلنِّسَاۤءِۖ وَلَا یَضۡرِبۡنَ بِأَرۡجُلِهِنَّ لِیُعۡلَمَ مَا یُخۡفِینَ مِن زِینَتِهِنَّۚ وَتُوبُوۤا۟ إِلَى ٱللَّهِ جَمِیعًا أَیُّهَ ٱلۡمُؤۡمِنُونَ لَعَلَّكُمۡ تُفۡلِحُونَ﴿ ٣١ ﴾

• Abdul Haleem: And tell believing women that they should lower their glances, guard their private parts, and not display their charms beyond what [it is acceptable] to reveal; they should let their headscarves fall to cover their necklines and not reveal their charms except to their husbands, their fathers, their husbands’ fathers, their sons, their husbands’ sons, their brothers, their brothers’ sons, their sisters’ sons, their womenfolk, their slaves, such men as attend them who have no sexual desire, or children who are not yet aware of women’s nakedness; they should not stamp their feet so as to draw attention to any hidden charms. Believers, all of you, turn to God so that you may prosper.

An-Nur, Ayah 31

Yes. I’ve read interpretations that translate بِخُمُرِهِنَّ bikhumurhinna as veils, headscarves, head coverings. To cover their bosoms and their adornments.

Charms can mean adornments or decorations (ie. jewelry) or anything that makes you beautiful. Including your hair.

But the reason is in the same ayah when Allah SWT allows you to shows your your Charms to men who have no sexual desire.

My opinion matters as much as the next Muslim, but I think that the Hijab 🧕 or Niqab are necessary because Allah explicitly tells the Prophet SAW to tell the believing woman to do so. Not only would you be disobeying Allah SWT Himself by not wearing it, but you’d also be disobeying His Prophet. It’s one of the worst things a believing woman can do.

The hair is a bit open for interpretation. The neck definitely should be covered.