Is medical aid permissable (hospital plan)
Question
in this day and age,not every one can afford hospital bills,therefore can we have just the hospital plan,so that atleast most of the expenses will be taken care off,incase if a accident occuring.
Answer
In principle, all conventional medical aid schemes and insurance policies have three un-Islamic factors; a) Interest, b) Gambling, and c) Uncertainty in them.
The only waiver to these un-Islamic factors is Dhuroorat which is loosely translated as need. It is important to point out that every need does not qualify as a waiver. The term Dhuroorah has a specific juristic definition which serves as a scale for Muftis to measure circumstances through it to consider a waiver. Generally, the circumstances of every individual differ from one another. A waiver, in Shari'ah, for one may not necessarily serve as a waiver for another.
In view of the above explanation, it is clear that a general ruling on conventional medical aid and insurance cannot be issued. We advise you refer your personal circumstances to a Mufti you have confidence in to assess your situation and advise you accordingly.
and Allah Ta'ala Knows Best
Fatawa SA is an independent, read-only index of fatawa already published by Darul Iftaa Mahmudiyyah (AskImam). It is not a fatwa service. For your own situation, ask the issuing Darul Ifta directly.