I work in UAE and the company has provided me & my family (my wife & son) with MEDICAL Insurance cards (from Oman Insurance – www.tameen.ae)
As per this plan, myself or any family member pay 50 AED every time for visit to a doctor. If the total bills are above 50 AED (towards x-ray, consultation etc. etc.) is taken care of (meaning that that the insurance company pays the hospital/ doctor etc.)Please be informed that I need not pay anything for these cards to my employer.
Now, please advise if using this kind service is halal or haram for me?
Answer:
In the Name of Allah, the Most Gracious, the Most Merciful.
As-salāmu ‘alaykum wa-rahmatullāhi wa-barakātuh.
We do not know the type of medical scheme in Oman. However, if it is a conventional medical aid scheme, then all such schemes are not permissible as they have three prohibited elements in them: interest, gambling and uncertainty. You may refer to the link attached below which is a transcript of Hazrat Mufti Ebrahim Desais talk for more details. [1]
And Allah Ta’āla Knows Best
Ismail Dawoodjee
Student Darul Iftaa
Zambia
Checked and Approved by,
Mufti Ebrahim Desai.