Can I make use of a medical insurance which is paid for by my employer from my salary?

Answered according to Hanafi Fiqh by Askimam.org

As-salm-kum,

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My company deducts a part of my salary for medical insurance… I did not make insurance for my family but the company did.  My Question is if my family gets admitted and gets the treatement can I apply for reimbursement and get my money for the hospital expenses.

Jazakallah

Answer

In the Name of Allah, the Most Gracious, The Most Merciful.

As-salaamu `alaykum wa-ramatullahi wa-barakatuh.

All forms of Conventional insurance are not permissible. You did not take out the medical insurance. The medical insurance taken out by the company is regarded as a gift from the company to you. It is permissible to accept the benefits of the medical insurance from the company.[1]

And Allah Ta`ala Knows Best.

Hussein Muhammad.

Student Darul Iftaa

Arusha, Tanzania

Checked and Approved by:

Mufti Ebrahim Desai.

__________


[1]

الأصل للشيباني ط قطر (3/ 419)

قلت: أرأيت مسلماً وهب لنصراني (3) هبة أو ليهودي أو مجوسي هل يجوز ذلك؟ قال: نعم. قلت: وكذلك الذمي لو كان هو الواهب للمسلم؟ قال: نعم. قلت: وهما في ذلك بمنزلة المسلمين؟ قال: نعم.

 

مختصر القدوري (ص: 124)

الهبة: تصح بالإيجاب والقبول وتتم القبض فإذا قبض الموهوب له في المجلس بغير أمر الواهب جاز

 

فتاوى دار العلوم زكريا, Vol 5, Pg 423.

.

جديدي فقهي مباحث. Vol 12, Pg 199.

 

فتاوى محمودية. Vol 16, Pg 387…390

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