Bismillah

Al-jawab billahi at-taufeeq (the answer with Allah's guidance)


As mentioned, all forms of conventional insurance including medical insurance will be unlawful.

As far as the alternative is concerned, Islamic financial institutions offer Takaful, a form of co-operative insurance or mutual insurance (At Ta'meen At Ta'awuni). (see: Darse Tirmidhi Vol.4)

N.B. Takaful, where members contribute money into a pooling system in order to guarantee each other against loss or damage and it is the responsibility of the individuals to co-operate and protect each other.


If however, there are no alternatives; because of the high cost of medical bill in some countries which has become very difficult on normal people to pay for their treatment without having medical insurance. For this reason, some ‘Ulama have giving a leeway for the permissibility of medical insurance. This is based on the Fiqhi principle:

"Adh Dharuraat Tubeehul Mahzuraat" (Necessities permit the prohibited)

(Al Ashbah Wan Nazair Pg. 87)

Therefore, it would be permissible for a Muslim to take medical insurance. However, one should know that the leeway is based on necessity. This leeway should not be abused to the extent that one benefits from its unnecessary reasons.



And Only Allah Ta'ala Knows Best.