Takaful : employer’s offered health insurance

السؤال

Assalamu Alaykum, I have a job with a well-paying salary. I need medical treatment on a condition I have but it will be costly, enough to dent my salary or leave nothing left from each month. I am insured with my father's insurance plan for one more year. I have read that conventional health insurance is forbidden when one can opt out of it-my father cannot opt out of his insurance plan. I have also read that many scholars have stated that conventional health insurance is not Haram if treatment is very costly and public healthcare is not available. I am not eligible for the state's healthcare, and the treatment that I need will probably not be covered if I was. Do I pay out of my own pocket even though it will be extremely costly or can I use my health insurance coverage up until I do not need any more treatment ? Also, why would conventional health insurance be Haram due to the companies gaining interest on the money that we give them ? If I buy something from someone and he puts the money I give him in an account that bears interest why is it my problem ? Jazak Allahu Khairan

جواب الفتوى

أنقر هنالمشاهدة هذا المحتوى

تاريخ النشر

2013-01-08

التخصصات الرئيسية

العلوم الاقتصادية والمالية وإدارة الأعمال
الدراسات الإسلامية

الموضوعات

• الفقه الإسلامي
• التأمين
• أصحاب العمل
• التأمين الصحي

عدد الصفحات

1

نوع البيانات

فتاوى

لغة النص

الإنجليزية

رقم السجل

BIM-729484

• APA
• MLA
• AMA