IslamQA

Medical Insurance Benefit

Answered according to Hanafi Fiqh by Darulifta-Deoband.com
My employer provides medical insurance coverage as a benefit for me and my family. No premium is deducted from my salary. It is entirely a benefit provided by the company. Is it allowed in Islam to use such a benefit?

بسم الله الرحمن الرحيم

(Fatwa: 836/801/SN=11/1436)

In the abovementioned case, since you have no agreement with the insurance company rather your company deals it and pays the premium itself hence it is allowable for you to avail the medical facility. If the company owner is Muslim and he has done the dealing with the insurance company with his own consent then he shall be sinful. (Fatawa Uthmani, 3/335, pub. Naimia, Chand Ahamd Asari Masail, p. 334)

Allah knows Best!

Darul Ifta,
Darul Uloom Deoband

This answer was collected from the official ifta website of Darul Uloom Deoband in India.

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