Darul Ifta Ibn Masood

Medical Aid

· 2 Jumada I 1443 AH1 min readEnglish

Question

What is your view in regards to medical aid? If one voluntarily subscribes to a medical aid policy, will it be permissible to use? What if it is enforced by one’s employer? Lastly, what if medical treatment is not available at government hospitals?

Answer

Under normal circumstances, our Darul Ifta doesn’t approve of medical aid polices, due to it containing the element of interest and gambling which are Haraam, and we therefore advise abstention.

If it is enforced by one’s employer, whereby one has absolutely no choice in the matter but to subscribe to the policy, then it will be permissible to use.

If government hospitals do not provide treatment for certain illnesses and the treatment is only available at private hospitals, but taking treatment at such hospitals is unaffordable, then one may be permitted to subscribe to a medical aid policy under such conditions. However, the matter should be referred to a Allah-fearing Mufti before reaching conclusion in the matter.

Answered by
Mufti Mohammed Desai
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Questions about this ruling, answered only from the archive with sources.

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

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Source: Darul Ifta Ibn Masood — https://fataawa.co.za/medical-aid/
Fatawa SA: https://fatawa.co.za/fatwa/ibnmasood-14772

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