We are Inshallah starting a private hospital in India.About 50% of patients we treat (muslims and non muslims)are expected to have a conventional health insurance card either as individual policy or policy via their employer to cover health and sickness.
Q1.Are we allowed to treat patients who present to our hospital with such conventional health insurance cards.We are not involved in selling such health insurance policies(which involve riba,gambling and gharar) but obviously we have to send claims to their respective health insurance companies who in turn pay us.We have to enter into a contract with the insurance companies to treat their patients cashless and later present claims.To get paid we have to install their administrative software,hardware etc in order to process claims.There are at least 15such companies in the market–(all of them conventional and none practising islamic takaful principles) and we should enter into contracts with most of them as we dont know which patient turns up at our doors.AS A HOSPITAL ARE WE ALLOWED TO ACCEPT SUCH PATIENTS AND ENTER INTO CONTRACTS WITH CONVENTIONAL INSURANCE COMPANIES TO TREAT THEIR PATIENTS.
Al-jawab billahi at-taufeeq (the answer with Allah’s guidance)
Your original client is your patient, the company pays you on their behalf. The relationship between the patient and the company is their matter, you are not responsible for their actions.
Therefore, there is no problem for you to receive payment from the company.
And Only Allah Ta’ala Knows Best.
Moulana Qamruz Zaman
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