Category: Business Matters
Fatwa#: 22040
Asked Country: United States

Answered Date: Dec 03,2018

Title: Can I make use of a medical insurance which is paid for by my employer from my salary?



My company deducts a part of my salary for medical insurance... I did not make insurance for my family but the company did.  My Question is if my family gets admitted and gets the treatement can I apply for reimbursement and get my money for the hospital expenses.




In the Name of Allah, the Most Gracious, The Most Merciful.

As-salaamu `alaykum wa-ramatullahi wa-barakatuh.

All forms of Conventional insurance are not permissible. You did not take out the medical insurance. The medical insurance taken out by the company is regarded as a gift from the company to you. It is permissible to accept the benefits of the medical insurance from the company.[1]

And Allah Ta`ala Knows Best.

Hussein Muhammad.

Student Darul Iftaa

Arusha, Tanzania

Checked and Approved by:

Mufti Ebrahim Desai.



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


فتاوى دار العلوم زكريا, Vol 5, Pg 423.


جديدي فقهي مباحث. Vol 12, Pg 199.


فتاوى محمودية. Vol 16, Pg 387…390

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