Ruling on health insurance

Question:

In Holland we have basic health insurance which is compulsory upon the public, it covers basic healthcare like the GP, in some cases physiotherapy, nutritionist and the hospital. If for example I need physiotherapy which is not covered in the basic insurance I can take an extra package where it is covered and other things as well. Without the extra package it can be expensive. The dentist is not covered either in the basic insurance. Some treatments are very expensive so that’s why they have a separate package for dental care too. So will it be permissible for me to purchase the extra package?

Answer:

بسم الله الرحمن الرحيم

Generally insurance is forbidden in islam. Insurance is based on gambling and interest which are clearly forbidden. However, if law of the land makes it compulsory to have insurance, such as car insurance in the UK, without which one cannot drive a car, or even when one will be in obvious and unbearable hardships if the insurance is not taken, such as medical insurance in some countries; when the cost of medical care is so high in some countries that it is very difficult for ordinary people to pay for their treatment without having medical insurance. In such cases some ulama have permitted to have medical insurance due to the necessity.

Therefore if you can’t afford the cost of your necessary medical treatment and there’s no alternatives, then it would be permissible for you to take the insurance with the extra package.

Allah knows best
Syed Hussain ibn Imamuddin
28 Jumadal Awwal 1443 / 01 January 2022

Approved by
Mufti Muhammad Tahir Wadee (حفظه الله)

Published by Mufti Syed Hussain ibn Imamuddin

Mufti Syed Hussain (Founding director of An-Nidaa Academy) is a graduate of the very first Islamic Institute in Europe, Darul Uloom Al Arabiya Al Islamiya, Bury UK. Shaykh completed his diploma on Islamic theology in Darul Uloom Bury in 2007. Throughout the course he studied various subjects; Arabic language and grammar, Fiqh, Usoolul Fiqh, Balagah, Hadith (sihah sitta), Usoolul Hadith, and Tafsir. Among his respected Shuyukh and teachers were the likes of Shaykhul Hadith Yusuf Motala R.A. (1946 – 2019) founder of Darul Uloom Bury and many more institutes of its like, Shaykh Hashim, Shaykh Bilal Bawa, Mufti Shabbir, Mufti Muhammad Tahir Wadee, Shaykh Abdur Rahim Limbada and many others. May Allah preserve them. Shaykh devoted several years after graduation in studying Ifta course under the supervision of Shaykh Mufti Abdur Rahman (Shaykhul Hadith of Ishaatul Islam London, Khateeb of Shahjalal Mosque Manor park London and former Hadith teacher at Jamia Madania Kazir Bazar Sylhet, Bangladesh). Beside his teachers at Darul Uloom Bury he has also received ijazah (permission) of Hadith from the following Shuyukh: Shaykhul Hadith Shah Ahmad Shafi R.A (1920-2020), student of Shaykhul Islam Husain Ahmad Madani (r.a), and former Shaykhul Hadith and Rector of Al-Jamiatul Ahlia Darul Ulum Moinul Islam Hathazari, Bangladesh. Shaykh Mufti Muhammad Rafi Usmani The Grand Mufti of Pakistan and President of Darul Uloom Karachi. Shaykhul Hadith Mukhlisur Rahman Qiampuri Shaykhul Hadith of Jamia Islamia Umarpur, Sylhet, Bangladesh. Respected Shaykh authorized Mufti Syed Hussain with a high sanad (chain of narrators) which is as follows: Shaykh Mukhlisur Rahman Qiampuri from Shaykh Abbas Ali khanpuri (r.a) from Shaykh Abdur Rahman Amruhi (r.a) from Shaykh Fadhlur Rahman Ganj Muradabadi (r.a) from Shaykh Shah Abdul Aziz Dehlvi (r.a) from Musnadul Hind Shaykh Shah Wali Ullah Dehlvi (r.a) (Allah’s mercy be upon them all). After many years of dedication in studying Shaykh Syed Hussain went on to teaching. In order to utilise the knowledge in an easier and more modern method Shaykh decided set up an online foundation by the name of An-Nidaa Academy. As an acting director Shaykh intends to broadcast his valuable knowledge and experience to the students of deen. May Allah accept his effort to provide deeni knowledge to the masses, the effort of his Shuyukh and teachers, the effort of the staff and the effort of the student who has set down on the path to acquire knowledge of deen. Aameen.

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