Is medical aid permissable (hospital plan)

In principle, all conventional medical aid schemes and insurance policies have three un-Islamic factors; a) Interest, b) Gambling, and c) Uncertainty in them.

The only waiver to these un-Islamic factors is Dhuroorat which is loosely translated as need. It is important to point out that every need does not qualify as a waiver. The term Dhuroorah has a specific juristic definition which serves as a scale for Muftis to measure circumstances through it to consider a waiver. Generally, the circumstances of every individual differ from one another. A waiver, in Shari'ah, for one may not necessarily serve as a waiver for another.

In view of the above explanation, it is clear that a general ruling on conventional medical aid and insurance cannot be issued. We advise you refer your personal circumstances to a Mufti you have confidence in to assess your situation and advise you accordingly.

and Allah Ta'ala Knows Best