in this day and age,not every one can afford hospital bills,therefore can we have just the hospital plan,so that atleast most of the expenses will be taken care off,incase if a accident occuring.
In principle, all conventional medical aid schemes and insurance policies
have three un-Islamic factors; a) Interest, b) Gambling, and c) Uncertainty
The only waiver to these un-Islamic factors is Dhuroorat which is loosely
translated as need. It is important to point out that every need does not
qualify as a waiver. The term Dhuroorah has a specific juristic definition
which serves as a scale for Muftis to measure circumstances through it to
consider a waiver. Generally, the circumstances of every individual differ
from one another. A waiver, in Shari’ah, for one may not necessarily serve
as a waiver for another.
In view of the above explanation, it is clear that a general ruling on
conventional medical aid and insurance cannot be issued. We advise you refer
your personal circumstances to a Mufti you have confidence in to assess your
situation and advise you accordingly.
and Allah Ta’ala Knows Best