What is the ruling on insurance in some companies where they pay most of the medical expenses and the employee pays the rest?
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Question:
He says: Your Eminence the Shaykh, I work in a telecommunications company, and the company provides healthcare for its employees. The arrangement is that the company pays eighty percent of the cost of treatment, and the employee pays twenty percent. Is that permissible?
Answer:
If it is insurance, it is not permissible. But if they are helping you with the treatment, where you pay some of the costs and they help you with the rest, there is nothing wrong with it. However, if this is a matter of insurance, it is not permissible, because it is commercial insurance.
He says: Your Eminence the Shaykh, I work in a telecommunications company, and the company provides healthcare for its employees. The arrangement is that the company pays eighty percent of the cost of treatment, and the employee pays twenty percent. Is that permissible?
Answer:
If it is insurance, it is not permissible. But if they are helping you with the treatment, where you pay some of the costs and they help you with the rest, there is nothing wrong with it. However, if this is a matter of insurance, it is not permissible, because it is commercial insurance.
Source
قناة «العلامة الدكتور صالح الفوزان»، ما حكم التأمين في بعض الشركات يدفعون أغلب مبلغ العلاج ويدفع الموظف الباقي؟ للشيخ الفوزان — youtube.com
The Arabic text is a machine transcription of the audio recording.