{"id":32055,"date":"2024-08-16T14:45:59","date_gmt":"2024-08-16T14:45:59","guid":{"rendered":"http:\/\/daruliftabirmingham.co.uk\/home\/?p=32055"},"modified":"2024-08-17T02:45:27","modified_gmt":"2024-08-17T02:45:27","slug":"super-visa-medical-insurance","status":"publish","type":"post","link":"https:\/\/daruliftabirmingham.co.uk\/home\/super-visa-medical-insurance\/","title":{"rendered":"Super Visa Medical Insurance"},"content":{"rendered":"

Fatwa ID: 07398<\/b><\/span><\/p>\n

 <\/p>\n

 <\/p>\n

Answered by: Maulana Sheik Abdel Ahad Imrit<\/strong><\/span><\/p>\n

 <\/p>\n

Question:<\/strong><\/u><\/span><\/p>\n

 <\/p>\n

I wish to get your stance or opinion about Super Visa Medical Insurance?<\/span><\/p>\n

 <\/p>\n

Super visa insurance is a type of travel medical insurance plan that you can purchase for your parents or grandparents when they apply for a super visa. This type of insurance helps pay for unexpected medical and dental costs that family members (with super visas) may experience when they come to Canada.<\/span><\/p>\n

 <\/p>\n

Super visa insurance is a requirement for Visa being granted.<\/span><\/p>\n

 <\/p>\n

 <\/p>\n

 <\/p>\n

In the name of Allah, the Most Gracious, the Most Merciful<\/strong><\/u><\/span><\/p>\n

 <\/p>\n

Answer:<\/strong><\/u><\/span><\/p>\n

 <\/p>\n

Insurance is not permissible due to three prohibited elements:<\/span><\/p>\n

 <\/p>\n

1. Gambling (Qimaar): In an insurance scheme, the provider may either receive more money than the insured amount or nothing at all. Conversely, the insured person might receive more or less than what they have paid, depending on their medical situation. This element of unpredictability is akin to gambling.<\/span><\/p>\n

 <\/p>\n

2. Interest (Riba): When the insurance company pays out less than the total premiums collected, the excess is considered interest for the company. Similarly, if the policyholder receives more than the total premiums paid, this surplus is also classified as interest.<\/span><\/p>\n

 <\/p>\n

3. Uncertainty (Gharar): The timing and need for medical attention are unpredictable. The insurance plan, therefore, hinges on an uncertain future event, namely the insured person’s medical condition.<\/span><\/p>\n

 <\/p>\n

However, in cases of dire necessity, medical insurance may be permissible based on the principle “necessities permit the prohibited.” It is advisable to consult local Ulama for alternative solutions first. If no alternatives are available, they may permit the minimum necessary coverage.<\/span><\/p>\n

 <\/p>\n

 <\/p>\n

\u0645\u0633\u0646\u062f \u0623\u062d\u0645\u062f \u0637 \u0627\u0644\u0631\u0633\u0627\u0644\u0629\u00a0(11\/ 105)<\/span><\/p>\n

\u0639\u064e\u0646\u0652 \u0639\u064e\u0628\u0652\u062f\u0650 \u0627\u0644\u0644\u0647\u0650 \u0628\u0652\u0646\u0650 \u0639\u064e\u0645\u0652\u0631\u064d\u0648\u060c \u0642\u064e\u0627\u0644\u064e: \u0642\u064e\u0627\u0644\u064e \u0631\u064e\u0633\u064f\u0648\u0644\u064f \u0627\u0644\u0644\u0647\u0650 \u0635\u064e\u0644\u0651\u064e\u0649 \u0627\u0644\u0644\u0647\u064f \u0639\u064e\u0644\u064e\u064a\u0652\u0647\u0650 \u0648\u064e\u0633\u064e\u0644\u0651\u064e\u0645\u064e: ” \u0625\u0650\u0646\u0651\u064e \u0627\u0644\u0644\u0647\u064e \u062d\u064e\u0631\u0651\u064e\u0645\u064e \u0639\u064e\u0644\u064e\u0649 \u0623\u064f\u0645\u0651\u064e\u062a\u0650\u064a \u0627\u0644\u0652\u062e\u064e\u0645\u0652\u0631\u064e \u0648\u064e\u0627\u0644\u0652\u0645\u064e\u064a\u0652\u0633\u0650\u0631\u064e \u0648\u064e\u0627\u0644\u0652\u0645\u0650\u0632\u0652\u0631\u064e \u0648\u064e\u0627\u0644\u0652\u0643\u064f\u0648\u0628\u064e\u0629\u064e \u0648\u064e\u0627\u0644\u0652\u0642\u0650\u0646\u0651\u0650\u064a\u0646\u064e \u0648\u064e\u0632\u064e\u0627\u062f\u064e\u0646\u0650\u064a \u0635\u064e\u0644\u064e\u0627\u0629\u064e \u0627\u0644\u0652\u0648\u064e\u062a\u0652\u0631\u0650 ”\u00a0 \u0642\u064e\u0627\u0644\u064e \u064a\u064e\u0632\u0650\u064a\u062f\u064f: ” \u0627\u0644\u0652\u0642\u0650\u0646\u0651\u0650\u064a\u0646\u064f: \u0627\u0644\u0652\u0628\u064e\u0631\u064e\u0627\u0628\u0650\u0637\u064f\u00a0“<\/span><\/p>\n

 <\/p>\n

 <\/p>\n

\u0623\u062d\u0643\u0627\u0645 \u0627\u0644\u0642\u0631\u0622\u0646 \u0644\u0644\u062c\u0635\u0627\u0635 \u0637 \u0627\u0644\u0639\u0644\u0645\u064a\u0629\u00a0(1\/ 398)<\/span><\/p>\n

\u0648\u064e\u0644\u064e\u0627 \u062e\u0650\u0644\u064e\u0627\u0641\u064e \u0628\u064e\u064a\u0652\u0646\u064e \u0623\u064e\u0647\u0652\u0644\u0650 \u0627\u0644\u0652\u0639\u0650\u0644\u0652\u0645\u0650 \u0641\u0650\u064a \u062a\u064e\u062d\u0652\u0631\u0650\u064a\u0645\u0650 \u0627\u0644\u0652\u0642\u0650\u0645\u064e\u0627\u0631\u0650 \u0648\u064e\u0623\u064e\u0646\u0651\u064e \u0627\u0644\u0652\u0645\u064f\u062e\u064e\u0627\u0637\u064e\u0631\u064e\u0629\u064e \u0645\u0650\u0646\u0652 \u0627\u0644\u0652\u0642\u0650\u0645\u064e\u0627\u0631\u0650; \u0642\u064e\u0627\u0644\u064e \u0627\u0628\u0652\u0646 \u0639\u064e\u0628\u0651\u064e\u0627\u0633\u064d: \u0625\u0646\u0651\u064e \u0627\u0644\u0652\u0645\u064f\u062e\u064e\u0627\u0637\u064e\u0631\u064e\u0629\u064e \u0642\u0650\u0645\u064e\u0627\u0631\u064c \u0648\u064e\u0625\u0650\u0646\u0651\u064e \u0623\u064e\u0647\u0652\u0644\u064e \u0627\u0644\u0652\u062c\u064e\u0627\u0647\u0650\u0644\u0650\u064a\u0651\u064e\u0629\u0650 \u0643\u064e\u0627\u0646\u064f\u0648\u0627 \u064a\u064f\u062e\u064e\u0627\u0637\u0650\u0631\u064f\u0648\u0646\u064e \u0639\u064e\u0644\u064e\u0649 \u0627\u0644\u0652\u0645\u064e\u0627\u0644\u0650\u060c \u0648\u064e\u0627\u0644\u0632\u0651\u064e\u0648\u0652\u062c\u064e\u0629\u0650\u060c \u0648\u064e\u0642\u064e\u062f\u0652 \u0643\u064e\u0627\u0646\u064e \u0630\u064e\u0644\u0650\u0643\u064e \u0645\u064f\u0628\u064e\u0627\u062d\u064b\u0627 \u0625\u0644\u064e\u0649 \u0623\u064e\u0646\u0652 \u0648\u064e\u0631\u064e\u062f\u064e \u062a\u064e\u062d\u0652\u0631\u0650\u064a\u0645\u064f\u0647\u064f<\/span><\/p>\n

 <\/p>\n

 <\/p>\n

\u0623\u062d\u0643\u0627\u0645 \u0627\u0644\u0642\u0631\u0622\u0646 \u0644\u0644\u062c\u0635\u0627\u0635 \u0637 \u0627\u0644\u0639\u0644\u0645\u064a\u0629\u00a0(1\/ 398)<\/span><\/p>\n

\u0648\u064e\u0644\u064e\u0627 \u062e\u0650\u0644\u064e\u0627\u0641\u064e \u0628\u064e\u064a\u0652\u0646\u064e \u0623\u064e\u0647\u0652\u0644\u0650 \u0627\u0644\u0652\u0639\u0650\u0644\u0652\u0645\u0650 \u0641\u0650\u064a \u062a\u064e\u062d\u0652\u0631\u0650\u064a\u0645\u0650 \u0627\u0644\u0652\u0642\u0650\u0645\u064e\u0627\u0631\u0650<\/span><\/p>\n

 <\/p>\n

 <\/p>\n

\u0635\u062d\u064a\u062d \u0645\u0633\u0644\u0645\u00a0(3\/ 1218)<\/span><\/p>\n

\u062d\u064e\u062f\u0651\u064e\u062b\u064e\u0646\u064e\u0627 \u0639\u064f\u062b\u0652\u0645\u064e\u0627\u0646\u064f \u0628\u0652\u0646\u064f \u0623\u064e\u0628\u0650\u064a \u0634\u064e\u064a\u0652\u0628\u064e\u0629\u064e\u060c \u0648\u064e\u0625\u0650\u0633\u0652\u062d\u064e\u0627\u0642\u064f \u0628\u0652\u0646\u064f \u0625\u0650\u0628\u0652\u0631\u064e\u0627\u0647\u0650\u064a\u0645\u064e\u060c \u0648\u064e\u0627\u0644\u0644\u0651\u064e\u0641\u0652\u0638\u064f \u0644\u0650\u0639\u064f\u062b\u0652\u0645\u064e\u0627\u0646\u064e\u060c \u0642\u064e\u0627\u0644\u064e \u0625\u0650\u0633\u0652\u062d\u064e\u0627\u0642\u064f: \u0623\u064e\u062e\u0652\u0628\u064e\u0631\u064e\u0646\u064e\u0627\u060c \u0648\u064e\u0642\u064e\u0627\u0644\u064e \u0639\u064f\u062b\u0652\u0645\u064e\u0627\u0646\u064f: \u062d\u064e\u062f\u0651\u064e\u062b\u064e\u0646\u064e\u0627 \u062c\u064e\u0631\u0650\u064a\u0631\u064c\u060c \u0639\u064e\u0646\u0652 \u0645\u064f\u063a\u0650\u064a\u0631\u064e\u0629\u064e\u060c \u0642\u064e\u0627\u0644\u064e: \u0633\u064e\u0623\u064e\u0644\u064e \u0634\u0650\u0628\u064e\u0627\u0643\u064c \u0625\u0650\u0628\u0652\u0631\u064e\u0627\u0647\u0650\u064a\u0645\u064e\u060c \u0641\u064e\u062d\u064e\u062f\u0651\u064e\u062b\u064e\u0646\u064e\u0627 \u0639\u064e\u0646\u0652 \u0639\u064e\u0644\u0652\u0642\u064e\u0645\u064e\u0629\u064e\u060c \u0639\u064e\u0646\u0652 \u0639\u064e\u0628\u0652\u062f\u0650 \u0627\u0644\u0644\u0647\u0650\u060c \u0642\u064e\u0627\u0644\u064e: \u00ab\u0644\u064e\u0639\u064e\u0646\u064e \u0631\u064e\u0633\u064f\u0648\u0644\u064f \u0627\u0644\u0644\u0647\u0650 \u0635\u064e\u0644\u0651\u064e\u0649 \u0627\u0644\u0644\u0647\u064f \u0639\u064e\u0644\u064e\u064a\u0652\u0647\u0650 \u0648\u064e\u0633\u064e\u0644\u0651\u064e\u0645\u064e \u0622\u0643\u0650\u0644\u064e \u0627\u0644\u0631\u0651\u0650\u0628\u064e\u0627 \u0648\u064e\u0645\u064f\u0624\u0652\u0643\u0650\u0644\u064e\u0647\u064f\u00bb\u060c \u0642\u064e\u0627\u0644\u064e: \u0642\u064f\u0644\u0652\u062a\u064f: \u0648\u064e\u0643\u064e\u0627\u062a\u0650\u0628\u064e\u0647\u064f\u060c \u0648\u064e\u0634\u064e\u0627\u0647\u0650\u062f\u064e\u064a\u0652\u0647\u0650\u061f \u0642\u064e\u0627\u0644\u064e: \u00ab\u0625\u0650\u0646\u0651\u064e\u0645\u064e\u0627 \u0646\u064f\u062d\u064e\u062f\u0651\u0650\u062b\u064f \u0628\u0650\u0645\u064e\u0627 \u0633\u064e\u0645\u0650\u0639\u0652\u0646\u064e\u0627\u00bb<\/span><\/p>\n

 <\/p>\n

 <\/p>\n

\u0645\u0633\u0646\u062f \u0623\u062d\u0645\u062f \u0637 \u0627\u0644\u0631\u0633\u0627\u0644\u0629\u00a0(9\/ 122)<\/span><\/p>\n

\u062d\u064e\u062f\u0651\u064e\u062b\u064e\u0646\u064e\u0627 \u062e\u064e\u0644\u064e\u0641\u064f \u0628\u0652\u0646\u064f \u0627\u0644\u0652\u0648\u064e\u0644\u0650\u064a\u062f\u0650\u060c \u062d\u064e\u062f\u0651\u064e\u062b\u064e\u0646\u064e\u0627 \u0623\u064e\u0628\u064f\u0648 \u0645\u064e\u0639\u0652\u0634\u064e\u0631\u064d\u060c \u0639\u064e\u0646\u0652 \u0646\u064e\u0627\u0641\u0650\u0639\u064d\u060c \u0639\u064e\u0646\u0650 \u0627\u0628\u0652\u0646\u0650 \u0639\u064f\u0645\u064e\u0631\u064e \u0642\u064e\u0627\u0644\u064e: \u0645\u064e\u0631\u0651\u064e \u0631\u064e\u0633\u064f\u0648\u0644\u064f \u0627\u0644\u0644\u0647\u0650 \u0635\u064e\u0644\u0651\u064e\u0649 \u0627\u0644\u0644\u0647\u064f \u0639\u064e\u0644\u064e\u064a\u0652\u0647\u0650 \u0648\u064e\u0633\u064e\u0644\u0651\u064e\u0645\u064e \u0628\u0650\u0637\u064e\u0639\u064e\u0627\u0645\u064d \u0648\u064e\u0642\u064e\u062f\u0652 \u062d\u064e\u0633\u0651\u064e\u0646\u064e\u0647\u064f \u0635\u064e\u0627\u062d\u0650\u0628\u064f\u0647\u064f\u060c \u0641\u064e\u0623\u064e\u062f\u0652\u062e\u064e\u0644\u064e \u064a\u064e\u062f\u064e\u0647\u064f \u0641\u0650\u064a\u0647\u0650\u060c \u0641\u064e\u0625\u0650\u0630\u064e\u0627 \u0637\u064e\u0639\u064e\u0627\u0645\u064c \u0631\u064e\u062f\u0650\u064a\u0621\u064c \u0641\u064e\u0642\u064e\u0627\u0644\u064e: ” \u0628\u0650\u0639\u0652 \u0647\u064e\u0630\u064e\u0627 \u0639\u064e\u0644\u064e\u0649 \u062d\u0650\u062f\u064e\u0629\u064d\u060c \u0648\u064e\u0647\u064e\u0630\u064e\u0627 \u0639\u064e\u0644\u064e\u0649 \u062d\u0650\u062f\u064e\u0629\u064d\u060c \u0641\u064e\u0645\u064e\u0646\u0652 \u063a\u064e\u0634\u0651\u064e\u0646\u064e\u0627 \u0641\u064e\u0644\u064e\u064a\u0652\u0633\u064e \u0645\u0650\u0646\u0651\u064e\u0627\u00a0“<\/span><\/p>\n

 <\/p>\n

 <\/p>\n

\u00ab\u0627\u0644\u0623\u0634\u0628\u0627\u0647 \u0648\u0627\u0644\u0646\u0638\u0627\u0626\u0631 – \u0627\u0628\u0646 \u0646\u062c\u064a\u0645\u00bb (\u063573):<\/span><\/p>\n

\u00ab\u0648\u064e\u0647\u064e\u0630\u0650\u0647\u0650 \u0627\u0644\u0652\u0642\u064e\u0627\u0639\u0650\u062f\u064e\u0629\u064f \u0645\u064e\u0639\u064e \u0627\u0644\u0651\u064e\u062a\u0650\u064a \u0642\u064e\u0628\u0652\u0644\u064e\u0647\u064e\u0627 \u0645\u064f\u062a\u0651\u064e\u062d\u0650\u062f\u064e\u0629\u064c \u0623\u064e\u0648\u0652 \u0645\u064f\u062a\u064e\u062f\u064e\u0627\u062e\u0650\u0644\u064e\u0629\u064c\u060c \u0648\u064e\u062a\u064e\u062a\u064e\u0639\u064e\u0644\u0651\u064e\u0642 \u0628\u0650\u0647\u064e\u0627 \u0642\u064e\u0648\u064e\u0627\u0639\u0650\u062f\u064f:\u200c\u200c \u0627\u0644\u0652\u0623\u064f\u0648\u0644\u064e\u0649: \u0627\u0644\u0636\u0651\u064e\u0631\u064f\u0648\u0631\u064e\u0627\u062a\u064f \u062a\u064f\u0628\u0650\u064a\u062d\u064f \u0627\u0644\u0652\u0645\u064e\u062d\u0652\u0638\u064f\u0648\u0631\u064e\u0627\u062a\u0650\u00bb<\/span><\/p>\n

 <\/p>\n

 <\/p>\n

\u00ab\u0627\u0644\u0623\u0634\u0628\u0627\u0647 \u0648\u0627\u0644\u0646\u0638\u0627\u0626\u0631 – \u0627\u0628\u0646 \u0646\u062c\u064a\u0645\u00bb (\u063573):<\/span><\/p>\n

\u00ab\u200c\u200c\u0627\u0644\u062b\u0651\u064e\u0627\u0646\u0650\u064a\u064e\u0629\u064f: \u0645\u064e\u0627 \u0623\u064f\u0628\u0650\u064a\u062d\u064e \u0644\u0650\u0644\u0636\u0651\u064e\u0631\u064f\u0648\u0631\u064e\u0629\u0650 \u064a\u064f\u0642\u064e\u062f\u0651\u064e\u0631\u064f \u0628\u0650\u0642\u064e\u062f\u0652\u0631\u0650\u0647\u064e\u0627\u00bb<\/span><\/p>\n

 <\/p>\n

 <\/p>\n

Only Allah (\u0639\u0632 \u0648 \u062c\u0644) knows best.<\/span><\/p>\n

Written by Maulana Sheik Abdel Ahad Imrit<\/span><\/p>\n

Checked and approved by Mufti Mohammed Tosir Miah<\/span><\/p>\n

Darul Ifta Birmingham<\/span><\/p>\n

 <\/p>\n

 <\/p>\n

 <\/p>\n

 <\/p>\n

 <\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

Fatwa ID: 07398     Answered by: Maulana Sheik Abdel Ahad Imrit   Question:   I wish to get your stance or opinion about Super…<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[17],"tags":[],"_links":{"self":[{"href":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/posts\/32055"}],"collection":[{"href":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/comments?post=32055"}],"version-history":[{"count":3,"href":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/posts\/32055\/revisions"}],"predecessor-version":[{"id":32363,"href":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/posts\/32055\/revisions\/32363"}],"wp:attachment":[{"href":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/media?parent=32055"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/categories?post=32055"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/tags?post=32055"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}