{"id":37706,"date":"2025-10-29T19:38:46","date_gmt":"2025-10-29T19:38:46","guid":{"rendered":"https:\/\/daruliftabirmingham.co.uk\/home\/?p=37706"},"modified":"2025-10-29T19:38:46","modified_gmt":"2025-10-29T19:38:46","slug":"ruling-on-the-permissibility-of-benefiting-from-critical-illness-insurance-payouts","status":"publish","type":"post","link":"https:\/\/daruliftabirmingham.co.uk\/home\/ruling-on-the-permissibility-of-benefiting-from-critical-illness-insurance-payouts\/","title":{"rendered":"Ruling On The Permissibility Of Benefiting From Critical Illness Insurance Payouts"},"content":{"rendered":"

Fatwa ID: 08441<\/strong><\/span><\/p>\n

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Answered by: Mufti Abdoullah Limvoonheek<\/strong><\/span><\/p>\n

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\u00a0<\/strong><\/span><\/p>\n

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

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I will be highly appreciate if you kindly clarify the following confusion. I have bought \u201cCritical Illness\u201d 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).<\/span><\/p>\n

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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?<\/span><\/p>\n

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

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

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Insurance is forbidden in Islam due to the element of impermissibility such as interest, uncertainty and gambling.<\/span><\/p>\n

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However due to necessity and difficulty, at times some scholars give concession to it. However it will be limited to the usage.<\/span><\/p>\n

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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.<\/span><\/p>\n

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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.<\/span><\/p>\n

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Reference:<\/span><\/p>\n

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Surah Baqarah ayah 278<\/span><\/p>\n

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\u064a\u0670\u06e4\u0640\u0627\u064e\u064a\u0651\u064f\u0647\u064e\u0627 \u0627\u0644\u0651\u064e\u0630\u0650\u064a\u06e1\u0646\u064e \u0627\u0670\u0645\u064e\u0646\u064f\u0648\u0627 \u0627\u062a\u0651\u064e\u0642\u064f\u0648\u0627 \u0627\u0644\u0644\u0651\u0670\u0647\u064e \u0648\u064e\u0630\u064e\u0631\u064f\u0648\u06e1\u0627 \u0645\u064e\u0627 \u0628\u064e\u0642\u0650\u0649\u064e \u0645\u0650\u0646\u064e \u0627\u0644\u0631\u0651\u0650\u0628\u0670\u0653\u0648\u0627 \u0627\u0650\u0646\u06e1 \u0643\u064f\u0646\u06e1\u062a\u064f\u0645\u06e1 \u0645\u0651\u064f\u0624\u06e1\u0645\u0650\u0646\u0650\u064a\u06e1\u0646\u064e<\/span><\/p>\n

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Surah Baqarah ayah 21<\/span><\/p>\n

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\u064a\u064e\u0633\u06e1\u0640\u0640\u0626\u064e\u0644\u064f\u0648\u06e1\u0646\u064e\u0643\u064e \u0639\u064e\u0646\u0650 \u0627\u0644\u06e1\u062e\u064e\u0645\u06e1\u0631\u0650 \u0648\u064e\u0627\u0644\u06e1\u0645\u064e\u064a\u06e1\u0633\u0650\u0631\u0650\u200c\u0615 \u0642\u064f\u0644\u06e1 \u0641\u0650\u064a\u06e1\u0647\u0650\u0645\u064e\u0627\u0653 \u0627\u0650\u062b\u06e1\u0645\u064c \u06a9\u064e\u0628\u0650\u064a\u06e1\u0631\u064c \u0648\u0651\u064e\u0645\u064e\u0646\u064e\u0627\u0641\u0650\u0639\u064f \u0644\u0650\u0644\u0646\u0651\u064e\u0627\u0633\u0650 \u0648\u064e\u0627\u0650\u062b\u06e1\u0645\u064f\u0647\u064f\u0645\u064e\u0627\u0653 \u0627\u064e\u06a9\u06e1\u0628\u064e\u0631\u064f \u0645\u0650\u0646\u06e1 \u0646\u0651\u064e\u0641\u06e1\u0639\u0650\u0647\u0650\u0645\u064e\u0627<\/span><\/p>\n

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\u0639\u064e\u0646\u0652 \u062c\u064e\u0627\u0628\u0650\u0631\u064d\u060c \u0642\u064e\u0627\u0644\u064e \u0644\u064e\u0639\u064e\u0646\u064e \u0631\u064e\u0633\u064f\u0648\u0644\u064f \u0627\u0644\u0644\u0651\u064e\u0647\u0650 \u0635\u0644\u0649 \u0627\u0644\u0644\u0647 \u0639\u0644\u064a\u0647 \u0648\u0633\u0644\u0645 \u0622\u0643\u0650\u0644\u064e \u0627\u0644\u0631\u0651\u0650\u0628\u064e\u0627 \u0648\u064e\u0645\u064f\u0648\u0643\u0650\u0644\u064e\u0647\u064f \u0648\u064e\u0643\u064e\u0627\u062a\u0650\u0628\u064e\u0647\u064f \u0648\u064e\u0634\u064e\u0627\u0647\u0650\u062f\u064e\u064a\u0652\u0647\u0650 \u0648\u064e\u0642\u064e\u0627\u0644\u064e \u0647\u064f\u0645\u0652 \u0633\u064e\u0648\u064e\u0627\u0621\u064c<\/span><\/p>\n

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Sahih Muslim hadith 1598<\/span><\/p>\n

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\u0627\u0644\u0645\u0634\u0642\u0629 \u062a\u062c\u0644\u0628 \u0627\u0644\u062a\u064a\u0633\u064a\u0631<\/span><\/p>\n

\u0627\u0644\u0636\u0631\u0648\u0631\u0627\u062a \u062a\u0628\u064a\u062d \u0627\u0644\u0645\u062d\u0638\u0648\u0631\u0627\u062a<\/span><\/p>\n

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\u0642\u0648\u0627\u0639\u062f \u0627\u0644\u0641\u0642\u0647\u064a\u0629 \u0664<\/span><\/p>\n

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\u0641\u0625\u0630\u0627 \u062a\u0635\u062f\u0642 \u0628\u0627\u0644\u0645\u0627\u0644 \u0627\u0644\u062d\u0631\u0627\u0645 \u064a\u0631\u064a\u062f \u0627\u0644\u0642\u0628\u0648\u0644 \u0648\u0627\u0644\u0623\u062c\u0631 \u064a\u062d\u0631\u0645 \u0639\u0644\u064a\u0647 \u0630\u0644\u0643\u060c \u0648\u0623\u0645\u0627 \u0625\u0630\u0627 \u0643\u0627\u0646 \u0639\u0646\u062f \u0631\u062c\u0644 \u0645\u0627\u0644 \u062e\u0628\u064a\u062b\u060c \u0641\u0625\u0645\u0627 \u0625\u0646 \u0645\u0644\u0643\u0647 \u0628\u0639\u0642\u062f \u0641\u0627\u0633\u062f\u060c \u0623\u0648 \u062d\u0635\u0644 \u0644\u0647 \u0628\u063a\u064a\u0631 \u0639\u0642\u062f\u060c \u0648\u0644\u0627 \u064a\u0645\u0643\u0646\u0647 \u0623\u0646 \u064a\u0631\u062f\u0651\u0647 \u0625\u0644\u0649 \u0645\u0627\u0644\u0643\u0647\u060c \u0648\u064a\u0631\u064a\u062f \u0623\u0646 \u064a\u062f\u0641\u0639 \u0645\u0638\u0644\u0645\u062a\u0647 \u0639\u0646 \u0646\u0641\u0633\u0647\u060c \u0641\u0644\u064a\u0633 \u0644\u0647 \u062d\u064a\u0644\u0629 \u0625\u0644\u064e\u0651\u0627 \u0623\u0646 \u064a\u062f\u0641\u0639\u0647 \u0625\u0644\u0649 \u0627\u0644\u0641\u0642\u0631\u0627\u0621<\/span><\/p>\n

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\u0628\u0630\u0644 \u0627\u0644\u0645\u062c\u0647\u0648\u062f \u062c\u0661 \u0635\u0663\u0665\u0669<\/span><\/p>\n

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

Written by Mufti Abdoullah Limvoonheek<\/span><\/p>\n

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

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

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Fatwa ID: 08441     Answered by: Mufti Abdoullah Limvoonheek   \u00a0 Question:     I will be highly appreciate if you kindly clarify the…<\/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\/37706"}],"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=37706"}],"version-history":[{"count":2,"href":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/posts\/37706\/revisions"}],"predecessor-version":[{"id":39183,"href":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/posts\/37706\/revisions\/39183"}],"wp:attachment":[{"href":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/media?parent=37706"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/categories?post=37706"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/tags?post=37706"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}