Conventional medical aid schemes have elements of interest and gambling in
them, therefore, not permissible.
If a person is required to take out a medical aid scheme due to employment
rules and principles, he will be excused to do so. However, he may use the
benefits of the medical aid scheme only to the extent of the premiums paid
by him. It is not permissible to voluntarily take out a conventional medical
aid scheme.
and Allah Ta’ala Knows Best
Mufti Ebrahim Desai
FATWA DEPT.