The Ruling on Medical Insurance for Employees
Machine translationRead the Arabic original
Question:
May Allah reward you. The Honorable Shaykh, he says: What is the ruling on some institutions providing medical care for their employees by contracting with insurance companies for this purpose? And if that is not permissible in the Shari'ah, what is the employee's course of action regarding it? Especially since his contract with the institution includes providing him with medical care, and is he sinful if he uses this medical insurance?
Answer:
Commercial insurance is forbidden in all its types, whether charitable or non-charitable, because it is based on taking people's money unjustly; that is, it is a contract on an unknown matter and purpose. If a Muslim needs treatment, he is treated at his own expense. If he has little, he is treated at his own expense; if he has much, he is treated at his own expense. It is not at the expense of people, nor at the expense of the company. The company does not pay anything from its own funds, from the funds of the participants, from the funds of people. This is painful for people. An operation may cost a huge amount of money, and all this money is provided without right. This is not permissible in general. No, or the new one. For the preacher, and upon the Muslim. Rely on Allah. And it is excellence if the treatment is done entirely at his own expense.
Or a car breaks down or is involved in an accident, he repairs it at his own expense, not at the expense of people or the participants. The whole of education is governed by all types of knowledge, is it not from the contracts of Muslims? Rather, it is one contract containing uncertainty, ignorance, risk, and many defects. Does a person not enter into it? And if he is forced to enter into it, he pays in order to remove the burden from him, but he does not use it. So if he needs treatment, or needs to repair a car, he repairs his car or renovates his house at his own expense. And he pays the insurance because he is forced to do so, and it is placed between him and work except by it, so he pays it to the evidences of circumstances, but he does not take anything from it because.
May Allah reward you. The Honorable Shaykh, he says: What is the ruling on some institutions providing medical care for their employees by contracting with insurance companies for this purpose? And if that is not permissible in the Shari'ah, what is the employee's course of action regarding it? Especially since his contract with the institution includes providing him with medical care, and is he sinful if he uses this medical insurance?
Answer:
Commercial insurance is forbidden in all its types, whether charitable or non-charitable, because it is based on taking people's money unjustly; that is, it is a contract on an unknown matter and purpose. If a Muslim needs treatment, he is treated at his own expense. If he has little, he is treated at his own expense; if he has much, he is treated at his own expense. It is not at the expense of people, nor at the expense of the company. The company does not pay anything from its own funds, from the funds of the participants, from the funds of people. This is painful for people. An operation may cost a huge amount of money, and all this money is provided without right. This is not permissible in general. No, or the new one. For the preacher, and upon the Muslim. Rely on Allah. And it is excellence if the treatment is done entirely at his own expense.
Or a car breaks down or is involved in an accident, he repairs it at his own expense, not at the expense of people or the participants. The whole of education is governed by all types of knowledge, is it not from the contracts of Muslims? Rather, it is one contract containing uncertainty, ignorance, risk, and many defects. Does a person not enter into it? And if he is forced to enter into it, he pays in order to remove the burden from him, but he does not use it. So if he needs treatment, or needs to repair a car, he repairs his car or renovates his house at his own expense. And he pays the insurance because he is forced to do so, and it is placed between him and work except by it, so he pays it to the evidences of circumstances, but he does not take anything from it because.
Source
التأمين الطبي في المؤسسات الخاصة — alfawzan.live
The Arabic text is a machine transcription of the audio recording.