Can we make use of our medical insurance?

In the Name of Allah, the Most Gracious, The Most Merciful.

As-salaamu `alaykum wa-ramatullahi wa-barakatuh.

1. It is permissible to make use of the medical aid facility equivalent to the premiums paid.

2. The premium paid is permissible. If one received a pay-out more than the premium paid, that excess amount should be returned to the medical aid company if possible or should be given in sadaqa (charity) to the poor and needy.[1]

And Allah Ta`ala Knows Best.

Hussein Muhammad.

Student Darul Iftaa

Arusha, Tanzania

Checked and Approved by:

Mufti Ebrahim Desai.