WHAT IS THE RULING REGARDING MEDICAL AID SCHEMES AND HOSPITAL PLANS?

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Date: Monday, May 16, 2011

Category

Fiqh

Title

Question

WHAT IS THE RULING REGARDING MEDICAL AID SCHEMES AND HOSPITAL PLANS?

Answer

Muhtaram / Muhtaramah

In the Name of Allāh, the Most Gracious, the Most Merciful.

As-salāmu ‘alaykum wa-rahmatullāh wa-barakātuh.

 

1)

a. Rasulullah صلى الله عليه وسلم prohibited a transaction in which there is Gharar. (Tirmidhi)

b. Gharar is defined as Taaleequt-Tamleek Ala Khatar (suspending ownership on a future uncertain event).

c. All conventional medical aid schemes are based on Gharar.

If a person contracts directly with a medical aid scheme, he would pay a monthly premium in lieu of the company providing him medical aid if he falls ill. Apart from gharar, such a transaction also has elements of Qimaar and Interest in it, and therefore not permissible.

2) The ruling on hospital plans depends on the rules and principles of the scheme. Hospitals have their own hospital plans. We are not aware of any hospital plans being Shariah Compliant.

P.S. The Darul Ifta has been engaged in creating an alternative to the conventional Medical Aid through a club that will offer many free benefits, one being medical aid.

Request for duas for its success,

 

And Allah knows best
Darul Iftaa

Madrasah Inaa’miyyah

 

 

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