Fatwa: # 40502
Category: Jurisprudence and Rulings...
Country: United States
Date: 28th June 2019


Claiming back initial Insurance amount


As salamu alaykum

I am a Masters student in United States of America. My university has a policy that it is mandatory for all students to have health insurance otherwise they do not let students continue with their studies.

Based on this necessity, I purchased medical insurance for about $2,000. However, I have not used it so far and I have paid for all bills from my pocket instead of sending them to medical insurance company for repayment.

But, now I am struggling financially. I have also heard that in case of medical insurance, it is permissible to claim the amount from the medical company that was originally paid for the insurance (which is about $2,000 in my case).

So, in my case can I claim up to the $2000 that I paid initially for my insurance? Will this be permissible?


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

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

It will be permissible for you to claim the total amount you have paid in premiums.[1]

And Allah Ta’āla Knows Best

Aboobakr Siddeeq bin Mufti Amjad Mohammad

Student Darul Iftaa

Azaadville, JHB, South Africa

Checked and Approved by,
Mufti Ebrahim Desai.


[1]  اسلام اور جدید معاشی مسائل –   (317 / 3)

البتہ اگر کسی کو تھرڈ پارٹی انشورنس کی وجہ سے معاوضہ ملے تو اس کو صرف اتنا معاوضہ وصول کرنا اور استعمال کرنا جائز ہے جتنا اس نے پریمیم ادا کیا ، اس سے زیادہ استعمال کی اجازت نہیں

احسن الفتاویٰ – (25 / 7)

چونکہ گاڑی کے مالک کی طرف سے بیمہ کا معاہدہ بطیب خاطر نہیں بلکہ حکومت کی طرف سے یکطرفہ جبر و ظلم ہے لہذا بوقت ضرورت گنجائش ہے لیکن بصورت حادثہ جمع شدہ رقم سے زائد واجب التصدق ہے  

DISCLAIMER - AskImam.org questions
AskImam.org answers issues pertaining to Shar'ah. Thereafter, these questions and answers are placed for public view on www.askimam.org for educational purposes. However, many of these answers are unique to a particular scenario and cannot be taken as a basis to establish a ruling in another situation or another environment. Askimam.org bears no responsibility with regards to these questions being used out of their intended context.
  • The Shar's ruling herein given is based specifically on the question posed and should be read in conjunction with the question.
  • AskImam.org bears no responsibility to any party who may or may not act on this answer and is being hereby exempted from loss or damage howsoever caused.
  • This answer may not be used as evidence in any Court of Law without prior written consent of AskImam.org.
  • Any or all links provided in our emails, answers and articles are restricted to the specific material being cited. Such referencing should not be taken as an endorsement of other contents of that website.
The Messenger of Allah said, "When Allah wishes good for someone, He bestows upon him the understanding of Deen."
[Al-Bukhari and Muslim]