Answer:
(Fatwa: 2554/2108=B/1429)
The prevalent medical insurance is based on gambling which is unlawful as per the Shariah.
As far as your health insurance is concerned you should write its rules and regulations in detail, then we can have a say in the matter.
Allah (Subhana Wa Ta’ala) knows Best
Darul Ifta,
Darul Uloom Deoband
