medical

Utilizing medical aid premiums

Question: 

My wife is due to give birth in 1 month We've booked the hospital bed and it's been authorized through medical aid, Finding out that medical aid is not permissible, our choices are slim as time is coming close Would it be permissible to cancel only after the birth and give away the sum of the fee that may be more than the premiums paid?


Answer: 

medical aid, hospital plan

Question: 

1. Is the usage of Medical Aid permissible? If not, are there any cases in which it would be permissible to use it? 
2. Is the usage, taking benefit from hospital plans permissible? 

Answer: 
All conventional insurance policies and schemes contain elements of interest, gambling and Gharar (uncertainty), that are forbidden in shariah.
There is interest in conventional medical aid cover:

Medical aid

Question: 

What is the ruling aroung medical aid and hospital plans? Are they Jaa'iz or not? 

Answer: 
Our Darul Ifta does not approve of any form of medical insurance or hospital plan due to them containing the element of gambling and Riba. Yes, the scenario will be slightly different if medical aid is enforced upon an employee by the employer in which case the employee is permitted to take benefit from the medical aid cover. However, under normal circumstances it is impermissible to subscribe to such a policy.
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