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Medical Insurance

Answered according to Hanafi Fiqh by ShariahBoard.org

Asalamalakum

I have question regarding the medical insurance.  Currently i am having the medical insurance and also i am having the bills to reimburse. But i am confuse that It was right decision that I took the medical insurance or not. I took the insurance in COVIT 19. 
Kindly confirm that we will use that insurance or close it.
If I close it took one month, so in that month Can I use it and claim my previous bills

بسم اللہ الرحمن الرحیم

:الجواب وباللہ التوفیق

Insurance is primarily considered illegal because it involves interest and gambling. But due to the legal compulsions, medical insurance will be allowed. However, if possible and provided there is no compulsion in having it, the insurance should be cancelled.

Although under mandatory requirements, it will be allowed to enrol in medical insurance, the financial benefit from it must be equivalent only to the  amount you have deposited in this scheme. Any excess amount earned though insurance scheme  must be  donated without intention of reward “thwab”.

The Holy Quran said:

(90﴿ يَآ أَيُّهَا الَّذِينَ اٰمَنُوآ اِنَّمَا الْخَمْرُ وَالْمَيْسِرُ وَالْأَنْصَابُ وَالْأَزْلَامُ رِجْسٌ مِّنْ عَمَلِ الشَّيْطَانِ فَاجْتَنِبُوهُ لَعَلَّكُمْ تُفْلِحُون﴾ [المائدة

It is narrated in “Sahih Muslim”:

عَنْ جَابِرٍ، قَالَ: «لَعَنَ رَسُولُ اللهِ صَلَّى اللهُ عَلَيْهِ وَسَلَّمَ اٰكِلَ الرِّبَا، وَمُؤْكِلَهُ، وَكَاتِبَهُ، وَشَاهِدَيْهِ»، وَقَالَ: «هُمْ سَوَاءٌ»”.(3/1219، کتاب المساقات،دار احیاء التراث ، بیروت)

Narrated in “Ibn Abi Shaybah”:

عن ابن سیرین قال: کل شيء فیه قمار فهو من المیسر”.(4/483، کتاب البیوع  والأقضیة، ط: مکتبة رشد، ریاض)

Narrated in “Fatwa Shami”:

وَسُمِّيَ الْقِمَارُ قِمَارًا؛ لِأَنَّ كُلَّ وَاحِدٍ مِنْ الْمُقَامِرَيْنِ مِمَّنْ يَجُوزُ أَنْ يَذْهَبَ مَالُهُ إلَى صَاحِبِهِ، وَيَجُوزُ أَنْ يَسْتَفِيدَ مَالَ صَاحِبِهِ وَهُوَ حَرَامٌ بِالنَّصِّ”.(6 / 403، کتاب الحظر والاباحۃ

فقط واللہ اعلم بالصواب

This answer was collected from Shariahboard.org. It was established under the supervision of the eminent faqih of our era, Hazrat Shah Mufti Mohammed Navalur Rahman damat barakatuhum.

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