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Hajj and Travel Insurance

Answered according to Hanafi Fiqh by Muftisays.com
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Is it permissible to take out travel/medical insurance for the duration of the Hajj e.g. to cover medical bills

Answer
Bismillah

Al-jawab billahi at-taufeeq (the answer with Allah’s guidance)

All types of conventional insurances contain the elements of gambling and interest which are unlawful and against the principles of Shari’ah, is that they have either an element of interest (Riba) or gambling, chancing (Qimar), both of which have been explicitly and sternly forbidden by Allah Most High in the Qur’an and in the Ahadith by the Prophet (Sallallahu Alaihi Wasallam):

Allah Ta’ala states:

“O! you who believe, fear Allah and give up what remains of your demand for usury, if you are indeed believers. But if you do not (abstain) take notice of war from Allah and His Apostle…”
(Surah Al Baqarah, Ayah 279)

Nabi (Sallallahu Alaihi Wasallam) has said:

On the night of Miraj, when we reached the seventh Heaven I looked above me. Suddenly I heard the sound of thunder and lightning. Then I came to a group of people whose bellies/stomachs were as big as houses, in which there were snakes which could be seen from the outside. I asked Jibraeel “Who are these people?” He replied “People who consumed interest.”
(Ibn Majah)

And, regarding chancing and gambling (Qimar):

“They question thee about strong drink and chancing. Say: In both is great sin, and (some) utility for men; but the sin of them is greater than their usefulness. And they ask thee what they ought to spend. Say: that which is superfluous. Thus Allah maketh plain to you (His) revelations, that haply ye may reflect.” [2:219]

And:

“O ye who believe! Strong drink and chancing and idols and divining arrows are only an infamy of Satan’s handiwork. Leave it aside in order that ye may succeed.” [5:90]

And Only Allah Ta’ala Knows Best.

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Moulana Qamruz Zaman
London, UK

Original Source Link

This answer was collected from MuftiSays.com, based in London (UK). It is one of the fruits of Darul Uloom London. Many ‘ulama are involved in answering the Q&A on the site, including: Shaikul Hadeeth Mufti Umar Farooq Sahib, Mufti Saifur Rahman Sahib, Mufti Abdullah Patel Sahib, Maulana Qamruz Zaman Sahib, Mufti Abu Bakr Karolia Sahib.

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