Darul Iftaa Mahmudiyyah

Can I make use of a medical insurance which is paid for by my employer from my salary?

· 25 Rabiʻ I 1440 AH1 min readFatwa 22040English

Question

As-salm-kum,

My company deducts a part of my salary for medical insurance... I did not make insurance for my family but the company did. My Question is if my family gets admitted and gets the treatement can I apply for reimbursement and get my money for the hospital expenses.

Jazakallah

Answer

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

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

All forms of Conventional insurance are not permissible. You did not take out the medical insurance. The medical insurance taken out by the company is regarded as a gift from the company to you. It is permissible to accept the benefits of the medical insurance from the company.[1]

And Allah Ta`ala Knows Best.

Hussein Muhammad.

Student Darul Iftaa

Arusha, Tanzania

Checked and Approved by:

Mufti Ebrahim Desai.

References (Arabic / Urdu sources)

[1]

الأصل للشيباني ط قطر (3/ 419)

قلت: أرأيت مسلماً وهب لنصراني (3) هبة أو ليهودي أو مجوسي هل يجوز ذلك؟ قال: نعم. قلت: وكذلك الذمي لو كان هو الواهب للمسلم؟ قال: نعم. قلت: وهما في ذلك بمنزلة المسلمين؟ قال: نعم.

مختصر القدوري (ص: 124)

الهبة: تصح بالإيجاب والقبول وتتم القبض فإذا قبض الموهوب له في المجلس بغير أمر الواهب جاز

فتاوى دار العلوم زكريا, Vol 5, Pg 423.

.

جديدي فقهي مباحث. Vol 12, Pg 199.

فتاوى محمودية. Vol 16, Pg 387…390

Answered by
Hussein Muhammad
Checked & approved by
Mufti Ebrahim Desai
View original Compare with other Darul Iftas
Questions about this ruling, answered only from the archive with sources.

Where scholars differ, it’s safer to take the more cautious view.

Fatawa SA is an independent, read-only index of fatawa already published by Darul Iftaa Mahmudiyyah. It is not a fatwa service. For your own situation, please ask a Mufti. Report an issue

For corrections or mistakes, please email us at fatawasa786@gmail.com.

Source: Darul Iftaa Mahmudiyyah — https://askimam.org/public/question_detail/22040
Fatawa SA: https://fatawa.co.za/fatwa/askimam-22040

People also ask

Is insurance permissible?

“Life insurance policies are Haraam as it is based on interest, gambling and uncertainty (Gharar). Make Taubah and Istighfaar for your mother for engaging in Haraam dealings. There are severe warnings cited in the Mubarak…”

Ibn Masood · 392 fatawa from 7 Darul Iftas on this

What the Darul Iftas say

Related fatawa