Fatwa ID: 08441

 

 

Answered by: Mufti Abdoullah Limvoonheek

 

 

Question:

 

 

I will be highly appreciate if you kindly clarify the following confusion. I have bought “Critical Illness” 25 years ago and I have paid $74.07 per month, total of $22,200 approx. There is a clause in the policy that I will get my principal back if I do not have any critical illness, i.e. cancer, heart attack, transplant etc. I am 61 years and got very sick and need transplant. Soon I will be qualify for the Critical Illness Insurance which is $100,000 (one hundred thousand dollar).

 

 

My question is can I keep the total 100 K for myself and family and is it halal? If not, can I keep my principal what I paid, $22,000 and give the rest to needy in the family and charity?

 

 

 

 

In the name of Allah, the Most Gracious, the Most Merciful

 

Answer:

 

Insurance is forbidden in Islam due to the element of impermissibility such as interest, uncertainty and gambling.

 

However due to necessity and difficulty, at times some scholars give concession to it. However it will be limited to the usage.

 

Thus if a person is qualify for the medical insurance, he may use it for that purpose. It will not be permissible for personal use.

 

However if he is not using the money for that purpose, he may take what he gave and the balance must be given to the poor without the intention of reward. After that one should engage in tawbah and istighfar.

 

 

 

Reference:

 

Surah Baqarah ayah 278

 

يٰۤـاَيُّهَا الَّذِيۡنَ اٰمَنُوا اتَّقُوا اللّٰهَ وَذَرُوۡا مَا بَقِىَ مِنَ الرِّبٰٓوا اِنۡ كُنۡتُمۡ مُّؤۡمِنِيۡنَ

 

 

Surah Baqarah ayah 21

 

يَسۡــئَلُوۡنَكَ عَنِ الۡخَمۡرِ وَالۡمَيۡسِرِ‌ؕ قُلۡ فِيۡهِمَآ اِثۡمٌ کَبِيۡرٌ وَّمَنَافِعُ لِلنَّاسِ وَاِثۡمُهُمَآ اَکۡبَرُ مِنۡ نَّفۡعِهِمَا

 

 

عَنْ جَابِرٍ، قَالَ لَعَنَ رَسُولُ اللَّهِ صلى الله عليه وسلم آكِلَ الرِّبَا وَمُوكِلَهُ وَكَاتِبَهُ وَشَاهِدَيْهِ وَقَالَ هُمْ سَوَاءٌ

 

Sahih Muslim hadith 1598

 

 

المشقة تجلب التيسير

الضرورات تبيح المحظورات

 

قواعد الفقهية ٤

 

 

فإذا تصدق بالمال الحرام يريد القبول والأجر يحرم عليه ذلك، وأما إذا كان عند رجل مال خبيث، فإما إن ملكه بعقد فاسد، أو حصل له بغير عقد، ولا يمكنه أن يردّه إلى مالكه، ويريد أن يدفع مظلمته عن نفسه، فليس له حيلة إلَّا أن يدفعه إلى الفقراء

 

بذل المجهود ج١ ص٣٥٩

 

 

 

Only Allah (عز و جل) knows best.

Written by Mufti Abdoullah Limvoonheek

Checked and approved by Mufti Mohammed Tosir Miah

Darul Ifta Birmingham