The Ruling on Commercial Health Insurance
Machine translationRead the Arabic original
The questioner:
May Allah reward you with good. The questioner asks: What is the ruling on health insurance in the case where fees are taken from the employer, and in the case where these fees are not taken, given that it is insurance that entitles its holder to treatment in the hospital in exchange for paying a small fee?
The Shaykh:
Insurance is not permissible in all its forms. Commercial insurance is not permissible in all its forms, whether health-related or otherwise, because it is consuming people's money unjustly, and because of the riba (usury or interest) it contains, and because of the ignorance and gharar (excessive uncertainty in a contract) it contains. Therefore, it is forbidden. Commercial insurance in all its forms is forbidden. Yes.
The presenter:
May Allah reward you with good.
The Shaykh:
A person should treat himself with his own money, and not treat himself with the money of others. Yes.
May Allah reward you with good. The questioner asks: What is the ruling on health insurance in the case where fees are taken from the employer, and in the case where these fees are not taken, given that it is insurance that entitles its holder to treatment in the hospital in exchange for paying a small fee?
The Shaykh:
Insurance is not permissible in all its forms. Commercial insurance is not permissible in all its forms, whether health-related or otherwise, because it is consuming people's money unjustly, and because of the riba (usury or interest) it contains, and because of the ignorance and gharar (excessive uncertainty in a contract) it contains. Therefore, it is forbidden. Commercial insurance in all its forms is forbidden. Yes.
The presenter:
May Allah reward you with good.
The Shaykh:
A person should treat himself with his own money, and not treat himself with the money of others. Yes.
Source
التأمين الصحي — alfawzan.live
The Arabic text is a machine transcription of the audio recording.