Fatwa #1804112 June 2009Pakistan
In most of the companies nowadays, companies deduct a nominal amount every month from the employees salary in the capacity of Health Insurance and
Question
In most of the companies nowadays, companies deduct a nominal amount every month from the employees salary in the capacity of Health Insurance and whenever employee is suffering from any disease he gets its treatment done from the hospital and than he get reimbursement from the company, Please inform that is that Reimbursement from Insurance Company is Halal or Haram??? or Health insurance and life insurance is Halal or Haram??
Inform same about car insurance…
Answer
In the name of Allah, Most Gracious, Most Merciful
Assalaamu `alaykum waRahmatullahi Wabarakatuh
Insurance policies generally have an element of (Ribā) interest, Qimar (gambling) and gharar (uncertainty). Hence, it is not permissible to take an insurance policy whether it is medical, life or motor insurance.
However, if a person is working for a company and every month an amount is deducted from his salary without his consent, it will be permissible for him to make use of the benefits and it will be considered as a gift to him from the company.
(Nawaadirul Fiqh, vol.1 pg326, Karachi)
And Allah knows best
Checked and Approved by:
Mufti Ebrahim Desai
Darul Iftaa