The Ruling on Treatment Through Insurance Companies
Machine translationRead the Arabic original
The questioner:
Honorable Shaykh, may Allah grant you success. He says: Is it permissible to receive treatment through insurance companies?
The Shaykh:
No, insurance companies are a source of invalid gain because they involve riba (usury or interest), bribery, and other forbidden matters, and they consume people's money unjustly. You pay a small amount, and perhaps you need treatment or face a liability, and you take half the company's money or cause a great loss to the company's funds. This is not permissible except to the extent of what you paid. Yes.
The presenter:
Honorable Shaykh, may Allah grant you success.
The Shaykh:
And the company's money, what is it? It is not the money of the book, and this is the money of the participants, the poor participants. You take all of their money or most of it. On what basis? Yes.
Honorable Shaykh, may Allah grant you success. He says: Is it permissible to receive treatment through insurance companies?
The Shaykh:
No, insurance companies are a source of invalid gain because they involve riba (usury or interest), bribery, and other forbidden matters, and they consume people's money unjustly. You pay a small amount, and perhaps you need treatment or face a liability, and you take half the company's money or cause a great loss to the company's funds. This is not permissible except to the extent of what you paid. Yes.
The presenter:
Honorable Shaykh, may Allah grant you success.
The Shaykh:
And the company's money, what is it? It is not the money of the book, and this is the money of the participants, the poor participants. You take all of their money or most of it. On what basis? Yes.
Source
شرح إغاثة اللهفان من مصائد الشيطان لابن القيم، الباب التاسع في طهارة القلب من أدرانه وأنجاسه — islamhouse.com (57:48)
The Arabic text is a machine transcription of the audio recording.