Tayammum in the case of fear of harm from using water or seeking it
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The questioner : Or he fears harm to his body from using it or seeking it.
The Shaykh : The water is present with him, but he fears that if he uses it, his body will be harmed. It is known that the one whose body is harmed by using water is a sick person. This falls under the generality of His saying:[Al-Ma'idah 5:6] to the end of the verse. So if this man has sores on the limbs required for wudu' or on his entire body in the case of ghusl, and he fears that if he uses water he will be harmed, yes, he may perform tayammum. Now, if he fears the cold, meaning a man whose body is sound but he fears that if he performs ghusl his body will be harmed. What is the ruling? Hmm? Come on. Let us see. First, there is a rank before tayammum: he heats the water. If he does not find it, he performs tayammum because he fears harm to himself, and Allah the Exalted said: [An-Nisa 4:29] Amr ibn al-'As (may Allah be pleased with him) cited this verse as evidence for the permissibility of tayammum in the case of cold, if he is required to perform ghusl. Now, or if he fears harm from his illness, or if he fears harm from seeking it as well, he fears harm to his body from seeking it. How from seeking it? Meaning, he does not have water now, but he can seek water, yet he fears for himself, he fears harm to his body, because it is somewhat far away, and the sun is hot, or the frost is very cold, and he fears that if he seeks it, his body will be harmed. In this case, it is permissible for him to perform tayammum. The evidence is His saying: [An-Nisa 4:29] [Al-Baqarah 2:195] and the saying of the Prophet: Bulugh al-Maram 7:171 and His saying: [Al-Hajj 22:78] Fear of harm is a hardship without a doubt.
The Shaykh : The water is present with him, but he fears that if he uses it, his body will be harmed. It is known that the one whose body is harmed by using water is a sick person. This falls under the generality of His saying:
But if you are ill or on a journey
وَإِن كُنتُم مَّرْضَىٰ أَوْ عَلَىٰ سَفَرٍAnd do not kill yourselves [or one another]. Indeed, Allah is to you ever Merciful.
وَلَا تَقْتُلُوا أَنفُسَكُمْ إِنَّ اللَّهَ كَانَ بِكُمْ رَحِيمًاAnd do not kill yourselves [or one another]
وَلَا تَقْتُلُوا أَنفُسَكُمْand do not throw [yourselves] with your [own] hands into destruction [by refraining]
وَلَا تُلْقُوا بِأَيْدِيكُمْ إِلَى التَّهْلُكَةِ(ﷺ) said: "There should neither be harming (of others without cause), nor reciprocating harm (between two parties)."
صلى الله عليه وسلم لا ضرر ولا ضرارand has not placed upon you in the religion any difficulty
وَمَا جَعَلَ عَلَيْكُمْ فِي الدِّينِ مِنْ حَرَجٍ
Source
قناة «فضيلة الشيخ محمد بن صالح العثيمين»، 605يتيمم إذا خاف باستعمال الماء...📔 الشرح الممتع على زاد المستقنع - ابن عثيمين - مشروع كبار العلماء — youtube.com
The Arabic text is a machine transcription of the audio recording.