Can a person take medical insurance?

Answered according to Hanafi Fiqh by


I have a question. Is personal medical insurance haram? I have always had medical insurances with my employers in the past which I benefited from reduced cost for medical services for my family and myself. I no longer have an insurance plan from an employer and was considering getting one on my own. Can you give me your views on this. Jazak Allah

Wa Alaikum Assalaam,

الجواب و بالله التوفيق

Medical insurance operates in a similar manner as other insurances, where interest is present, and the possibility of claiming more than what was paid or receiving less that what was paid is present.

Hence, it will not be allowed in Islam for one to have a medical insurance.

And Allah Knows Best.

Mufti Waseem Khan.


This answer was collected from, which is operated under the supervision of Mufti Waseem Khan from Darul Uloom Trinidad and Tobago.

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