Ruling on entering the hospital at the expense of insurance
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A man is sick, and his company has health insurance. Is it permissible for him to enter the hospital using this insurance, given that they deduct a monthly amount from his salary whether he is sick or not, and the company pays the insurance company?
He should seek treatment to the extent of what they took from him, even if it is a small amount, even if it is one riyal. The riyal buys an aspirin tablet; they do not charge him for the aspirin tablet, and he gives them the rest. However, if they are the ones paying, sometimes companies do not take anything from the worker’s salary, but between them and the hospital, for example, they insure this, and that is what is due from them.
He should not enter as long as they are contracted with the hospital itself. The important point is that if the insurance is from the company where he works and they do not take anything from his salary, there is nothing wrong with it; because he has not entered into a contract of gambling. But if it is with him, it is gambling, and it is not permissible to act upon it.
He should seek treatment to the extent of what they took from him, even if it is a small amount, even if it is one riyal. The riyal buys an aspirin tablet; they do not charge him for the aspirin tablet, and he gives them the rest. However, if they are the ones paying, sometimes companies do not take anything from the worker’s salary, but between them and the hospital, for example, they insure this, and that is what is due from them.
He should not enter as long as they are contracted with the hospital itself. The important point is that if the insurance is from the company where he works and they do not take anything from his salary, there is nothing wrong with it; because he has not entered into a contract of gambling. But if it is with him, it is gambling, and it is not permissible to act upon it.