Zakir Naik – Is Medical Insurance Allowed in Islaam?

			Salam Alikum walaikum salam.
		

			My question is regarding insurance. Actually, some say the insurance is allowed. Some say it's not
allowed. Now I work in a company where by default we get injured myself, my family, spouse, etc. And
part of the salary is taken in as a premium. So we don't have an option now in case there is a
medical requirement, can I avail the benefits of insurance for myself and my family?
		

			But also part of the question was about medical insurance. Is it allowed or not? Or is insurance
haram or halal? And secondly, since this company has forced him into a policy of insurance from his
salary, so can you avail of the benefit? I find the first question is concerned regarding is
insurance allowed or not, per se insurance is not Haram.
		

			It is mobile, it's optional. Insurance per se, but because most of the insurance, they involve
interest or rubber that said becomes haram to business, Paul says hello allowed. But if the business
deals with alcohol, it becomes Haram. If the business deals with rebar, it becomes Haram. Similarly,
insurance per se is not Haram. But because most of the insurance is based on Riba it's connected
with interest. Therefore, it's Haram. There are many Islamic insurance company which I know in Oman
and Dubai many, there are many, which I'm aware of. So if it's based on the Islamic Sharia
guidelines, insurance per se, is allowed. But in India also most of them which I know of
		

			that deal with Riba therefore becomes unknown. Now, as far as in your case is working in a company.
And they say that you have to take out a medical insurance and the cut from a salary. And then can
you avail the benefits fee, there are many things which are rules of a company, which you have an
option to avail or not. And some places have option. As far as medical insurance is concerned, if
the company cuts, I feel if you go and approach the management and say I don't mind insurance, but
because it is haram in our community, please don't cut my salary. First thing you have to check up
with medical insurance that the company has involved in either haram Allah, most of them are Haram.
		

			So you can request them that C to D choose a company which is the one thing in the life insurance,
life insurance, what happens at whatever premium you pay, there are some clauses to it, maybe 10
years life insurance to keep on paying a fixed amount of premium every month. And if the policy
matures, after 10 years, if you don't die, you get the same amount back.
		

			But if you die in between, you may get double if an extra to make it more to depends upon the
policy. So this surely what money you give, it comes back to additional interest based. Most of the
others also interest base in a medical insurance you pay amount whether you get sick or not. If you
don't get sick, you don't get the amount back. So depending on what the policies, and what is the
basis of it to give you money back, because if they're giving you money for treatment, they have to
acquire from somewhere else. If there's Islamic pooling, where you say that everyone gives 1000
rupees, and if there are hundreds of 1000s of people, and one person gets sick, you give that
		

			medicine that becomes
		

			but most of the insurance company don't work like that. They take your money and they invest and
they keep it in a bank and they get interest out of it. So it's the money that's taken from me the
premium taken from you if invested in a business which is not Haram, then the policies Allah but
most of the insurance company, they keep it in a bank for safety and they take interest which
becomes around so which medical company has your company taken the insurance off your free checkup?
Most I know that I can say 100% and if it's a haram before the Haram category, surely can go and
speak to the management and say, let's see, I know that it is for my benefit. That if I give a
		

			medical insurance claim my money's been cut maybe a few 100 rupee, but any problems so you can give
in writing that please don't cut my medications claim and if any medical expenses I will pay for my
own salary if we're given that money and not whether any company will object and that's the
difference is that people don't go and speak to the management that way.
		

			So there's no rule of the government that the company should take medical gain from you, it is a
policy of the company and if able to convince to the company this is a religion it is haram no
Muslim have come and told them that we explained to them majority I think inshallah most of them
will agree with the demand and there are many such cases which have guided people in other aspects
life offering Salah when it was my only accepted but speak in a good way
		

			that if you're taking a few minutes, I will work extra for that secret that the work is on disturb
secret rebate output. So if performance is good, the company will not mind exceeding the request.
But generally, taking a insurance policy of anything within wasn't about is already some of them.
Some