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When Is It Permissible to Get Insurance?

Answered as per Hanafi Fiqh by Seekersguidance.org
Answered by Shaykh Abdul-Rahim Reasat

Question

Assalamu ‘alaykum.

I heard that if insurance is not mandatory one should not get it, as with life insurance. What is the ruling on getting health insurance for people who are traveling and employment insurance from the government for eligible individuals?

Answer

Wa ‘alaykum assalam wa rahmatullah wa barakatuh.

I pray you are well.

In general, insurance is impermissible. Please refer to this answer for more information on this ruling. 

Travel insurance has the default ruling of impermissibility unless one is traveling to a destination where there is an overwhelming possibility of ending up in a situation that would leave one in extreme hardship. An example of this could be someone traveling to a war-torn country for aid, where an injury is likely and medical costs are high. 

Other forms of insurance should be avoided. If an employer arranges a contract for the employee then there is no sin or blame on the employee. He may benefit from the policy should the need arise.

May Allah grant you the best of both worlds.

[Shaykh] Abdul-Rahim

Checked and Approved by Shaykh Faraz Rabbani

 

This answer was collected from Seekersguidance.org. It’s an online learning platform overseen by Sheikh Faraz Rabbani. All courses are free. They also have in-person classes in Canada.

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