What is the ruling of the Shari'ah regarding health insurance
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Fatwa number ( 4560 )
Q: What is the ruling of the Shari'ah regarding health insurance, where the insured person pays a monthly or annual amount to the insurance company in exchange for the company treating the insured person if the need arises, at the company's expense, knowing that if there is no need to treat the insured person, he does not get back what he paid for the insurance.
A: If the reality of health insurance is as you described, it is not permissible; because it contains excessive uncertainty and risk, as the person whose health is insured may fall ill frequently and be treated
for more than what he paid the company, and he is not obligated to pay the excess, and perhaps he may not fall ill for a month or two, for example, and he does not get back from the company what he paid, and everything of this nature is a type of gambling.
Q: What is the ruling of the Shari'ah regarding health insurance, where the insured person pays a monthly or annual amount to the insurance company in exchange for the company treating the insured person if the need arises, at the company's expense, knowing that if there is no need to treat the insured person, he does not get back what he paid for the insurance.
A: If the reality of health insurance is as you described, it is not permissible; because it contains excessive uncertainty and risk, as the person whose health is insured may fall ill frequently and be treated
for more than what he paid the company, and he is not obligated to pay the excess, and perhaps he may not fall ill for a month or two, for example, and he does not get back from the company what he paid, and everything of this nature is a type of gambling.
Source
www.alifta.gov.sa
The Arabic text is copied verbatim from the original source, without any edits.