Fatwa: # 40956
Category: Business Matters
Country: Pakistan
Date: 15th September 2018


OPD Benefits



I work for a company in pakistan, Earlier the company used to provide us OPD benefit. We only had to submit the medical slip for disburstment of amount. But since a few days ago the company has outsource the OPD to a takaful (insurance) company. No amout is deducted from our salary nor we signed  any contract..So is it  permissible for us to avail opd amount ?

Jazak ALLAH O Khair,

Shazad Ali


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

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

Your employer offers you free OPD benefits[1] without asking you to sign a contract for it and without deducting any amount from your salary. This will be considered a gift from the company. It will be permissible for you to take the amount offered.[2]


And Allah Ta‘ālā Knows Best.

Checked and Approved by:
Mufti Ebrahim Desai.

[1] An outpatient department or outpatient clinic is the part of a hospital designed for the treatment of outpatients, people with health problems who visit the hospital for diagnosis or treatment, but do not at this time require a bed or to be admitted for overnight care.

Retrieved September 7, 2018 from https://en.wikipedia.org/wiki/Outpatient_clinic_(hospital_department)

An outpatient is a patient who comes to the hospital, clinic, or dispensary for diagnosis or treatment but is not admitted for an overnight stay.

outpatient. (n.d.) Miller-Keane Encyclopedia and Dictionary of Medicine, Nursing, and Allied Health, Seventh Edition. (2003). Retrieved September 7, 2018 from https://medical-dictionary.thefreedictionary.com/outpatient


OPD benefits cover reimbursement of outpatient expenses incurred by an insured person up to the limits specified under the plan. It can be used to cover diagnostic tests, medical aids, drugs, prosthetics, dental treatments and alternative forms of medicines.


بدائع الصنائع – ث (٦/١٢٧)

 أَمَّا أَصْلُ الْحُكْمِ فَهُوَ ثُبُوتُ الْمِلْكِ لِلْمَوْهُوبِ له في الْمَوْهُوبِ من غَيْرِ عِوَضٍ لِأَنَّ الْهِبَةَ تَمْلِيكُ الْعَيْنِ من غَيْرِ عِوَضٍ فَكَانَ حُكْمُهَا مِلْكَ الْمَوْهُوبِ من غَيْرِ عِوَضٍ

الأصل للشيباني ط قطر (٣/٤١٩)

قلت: أرأيت مسلماً وهب لنصراني 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.

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