The Ruling on Health and Commercial Insurance
Machine translationRead the Arabic original
Question:
The questioner says: Honorable Shaykh, may Allah grant you success, what is the ruling on health insurance, which is an agreement with a specific hospital where I pay a certain amount so that they cover my treatment for a specified period?
Answer:
Commercial insurance, in all its forms, whether health-related or otherwise, which is intended for investment, is forbidden because it involves risk, excessive uncertainty (gharar), ignorance, and riba (usury or interest), as well as many other harms.
Therefore, commercial insurance in all its forms is forbidden and not permissible. Decisions have been issued by the fiqh academies and by the senior scholars prohibiting commercial insurance. It is obligatory for Muslims to fear Allah (Mighty and Majestic) and to abandon these forbidden matters and these prohibited transactions that have come to our lands from the transactions of the disbelievers and the Jews, who do not care about what is lawful and what is forbidden. We imitate them and import such companies and these invalid systems. A person treats himself; if he needs treatment, he treats himself from his own money, praise be to Allah. If his car breaks down or is damaged, he repairs it from his own money. If it is not sound, he fixes it from the people's money and consumes the people's money unjustly. What makes these amounts from the money of the contributors lawful for you? What makes it lawful for you when you have only paid a small amount? You pay one hundred riyals and receive one hundred thousand as compensation if your car breaks down, even if you did not need difficult treatment. This is forbidden and not permissible. The company does not pay anything from its own funds, not even from the people's money that they collect; rather, they give you from the money of others, not from their own money at all.
The questioner says: Honorable Shaykh, may Allah grant you success, what is the ruling on health insurance, which is an agreement with a specific hospital where I pay a certain amount so that they cover my treatment for a specified period?
Answer:
Commercial insurance, in all its forms, whether health-related or otherwise, which is intended for investment, is forbidden because it involves risk, excessive uncertainty (gharar), ignorance, and riba (usury or interest), as well as many other harms.
Therefore, commercial insurance in all its forms is forbidden and not permissible. Decisions have been issued by the fiqh academies and by the senior scholars prohibiting commercial insurance. It is obligatory for Muslims to fear Allah (Mighty and Majestic) and to abandon these forbidden matters and these prohibited transactions that have come to our lands from the transactions of the disbelievers and the Jews, who do not care about what is lawful and what is forbidden. We imitate them and import such companies and these invalid systems. A person treats himself; if he needs treatment, he treats himself from his own money, praise be to Allah. If his car breaks down or is damaged, he repairs it from his own money. If it is not sound, he fixes it from the people's money and consumes the people's money unjustly. What makes these amounts from the money of the contributors lawful for you? What makes it lawful for you when you have only paid a small amount? You pay one hundred riyals and receive one hundred thousand as compensation if your car breaks down, even if you did not need difficult treatment. This is forbidden and not permissible. The company does not pay anything from its own funds, not even from the people's money that they collect; rather, they give you from the money of others, not from their own money at all.
Source
التأمين الصحي — alfawzan.live
The Arabic text is a machine transcription of the audio recording.