Channel: Zakir Naik
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