As salamu alaykum
I am a Masters student in United States of America. My university has a policy that it is mandatory for all students to have health insurance otherwise they do not let students continue with their studies.
Based on this necessity, I purchased medical insurance for about $2,000. However, I have not used it so far and I have paid for all bills from my pocket instead of sending them to medical insurance company for repayment.
But, now I am struggling financially. I have also heard that in case of medical insurance, it is permissible to claim the amount from the medical company that was originally paid for the insurance (which is about $2,000 in my case).
So, in my case can I claim up to the $2000 that I paid initially for my insurance? Will this be permissible?
In the Name of Allah, the Most Gracious, the Most Merciful.
As-salāmu ‘alaykum wa-rahmatullāhi wa-barakātuh.
It will be permissible for you to claim the total amount you have paid in premiums.[1]
And Allah Ta’āla Knows Best
Aboobakr Siddeeq bin Mufti Amjad Mohammad
Student Darul Iftaa
Azaadville, JHB, South Africa
Checked and Approved by,
Mufti Ebrahim Desai.
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[1] اسلام اور جدید معاشی مسائل – (317 / 3)
البتہ اگر کسی کو تھرڈ پارٹی انشورنس کی وجہ سے معاوضہ ملے تو اس کو صرف اتنا معاوضہ وصول کرنا اور استعمال کرنا جائز ہے جتنا اس نے پریمیم ادا کیا ، اس سے زیادہ استعمال کی اجازت نہیں
احسن الفتاویٰ – (25 / 7)
چونکہ گاڑی کے مالک کی طرف سے بیمہ کا معاہدہ بطیب خاطر نہیں بلکہ حکومت کی طرف سے یکطرفہ جبر و ظلم ہے لہذا بوقت ضرورت گنجائش ہے لیکن بصورت حادثہ جمع شدہ رقم سے زائد واجب التصدق ہے