Is it permissible to take benefits from an insurance company paid by my employer?
Question
Assalamu Alaikum,
Company i work for provides insurance benefits from date of joining to each of its employees through an insurance company. Employee does not have to pay any amount of premium during entire stay with the company.
Premium is entirely paid by my company only.
Insurance Policy covers employee, his/her spouse, 2 children and parents. Each Dependant is covered for equal amount of Rs 4.5 lacs.
Recently my father was hospitalized. I can claim his hospitalization charges and other medical expenses from my insurance benefits. will it be permissible for me to do so? Please explain.
Answer
In the Name of Allah, the Most Gracious, The Most Merciful.
As-salaamu `alaykum wa-ramatullahi wa-barakatuh.
Conventional insurance is not permissible. You did not take out the insurance cover. The company is offering the insurance benefit to you, your spouse, two children and parents. That is regarded as a gift from the company to you. It is permissible to accept the insurance benefits. You may make use of the insurance benefits for the medical and hospital charges.[1]
And Allah Ta`ala Knows Best.
Hussein Muhammad.
Student Darul Iftaa
Tanzania
Checked and Approved by:
Mufti Ebrahim Desai.
References (Arabic / Urdu sources)
[1]
الأصل للشيباني ط قطر (3/ 419)
قلت: أرأيت مسلماً وهب لنصراني (3) هبة أو ليهودي أو مجوسي هل يجوز ذلك؟ قال: نعم. قلت: وكذلك الذمي لو كان هو الواهب للمسلم؟ قال: نعم. قلت: وهما في ذلك بمنزلة المسلمين؟ قال: نعم.
مختصر القدوري (ص: 124)
الهبة: تصح بالإيجاب والقبول وتتم القبض فإذا قبض الموهوب له في المجلس بغير أمر الواهب جاز
Fataawa Darul Uloom Zakariyya, Vol 5, Pg 423.
- Answered by
- Hussein Muhammad
- Checked & approved by
- Mufti Ebrahim Desai
Where scholars differ, it’s safer to take the more cautious view.
Fatawa SA is an independent, read-only index of fatawa already published by Darul Iftaa Mahmudiyyah. It is not a fatwa service. For your own situation, please ask a Mufti. Report an issue
For corrections or mistakes, please email us at fatawasa786@gmail.com.
Source: Darul Iftaa Mahmudiyyah — https://askimam.org/public/question_detail/39414
Fatawa SA: https://fatawa.co.za/fatwa/askimam-39414
People also ask
Is insurance permissible?
“Life insurance policies are Haraam as it is based on interest, gambling and uncertainty (Gharar). Make Taubah and Istighfaar for your mother for engaging in Haraam dealings. There are severe warnings cited in the Mubarak…”
Ibn Masood · 392 fatawa from 7 Darul Iftas on this
What the Darul Iftas sayRelated fatawa
Ask Imaam31 Jan 2018Do i have to use money received from insurance company only for medical and hospital charges?w.r.t fatwa no. 39414, Do i have to use money received from insurance company only for medical and hospital…- Ask Imaam3 Dec 2018Can I make use of a medical insurance which is paid for by my employer from my salary?As-salm-kum, My company deducts a part of my salary for medical insurance... I did not make insurance for my…
- Ask Imaam27 Nov 2018Can we make use of our medical insurance?We are students in Malaysia and for our visa it is required by the concerned department that we do our…
Mufti Online21 Dec 2013Health benefits from the side of the employerIs it permissible for Muslims to use the health benefits offered by the employer via an insurance company?…
Jamiat KZN14 Nov 2022Benefitting from a Company Insurance policyI am working for a company and the company I work for has taken out an insurance policy for me. They are…
Azaadville14 Oct 2022Mandatory Medical AidIf medical aid is offered to you as a perk for your services, what is the ruling if you are forced to accept…