What is the ruling on health insurance?

Question:
What is the ruling on health insurance?

Answer:
It is not permissible. Health insurance is a form of gambling; because they pay a fixed amount of money on the condition that they will treat whatever illness befalls them.
Q: He says: I pay only twenty percent for the examination, and my wife is about to give birth now. He asks: Should I enroll her in it or not?
The Shaykh: At other hospitals.
Q: So, is it absolutely forbidden?
The Shaykh: Yes, it resembles gambling.
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Q: The aspect in which health insurance is "gambling"? May Allah reward you with Paradise?
The Shaykh: Because a sum of money is set aside every month or every year for the treatment of everything that befalls the person or his family. They may suffer many illnesses that cost tens of thousands.
Q: He says: It is one hundred thousand for each individual. Is this gambling? He says: We do not pay anything from our salary; they do not take anything at all. How can it be gambling? What is the aspect of gambling?
The Shaykh: The gambling is with the hospital to which they deposit this amount. If they tell you, "One hundred riyals every month, or one thousand riyals every month, on the condition that you will treat all the members of the household for whatever befalls them," they may suffer many illnesses that cost more than that.