Shaykh Muhammad bin Saalih al-Uthaymeen’s was asked:

Questioner:

A person is sick and the company he deals with have provided him with health insurance. So, is it allowed for him to enter the hospital upon that coverage?

Shaikh:

Do they deduct anything from him?

Questioner:

They deduct it from his monthly salary, whether he becomes sick or not.

Shaykh:

Okay.

Questioner:

While the company pays for it.

Shaykh:

He should perform the medical treatment according to the amount of money they have deducted from him.

Questioner:

It is a very small amount.

Shaykh:

He shouldn’t take a cent (extra) from them. As for if they are paying for it because sometimes now, some of the (insurance) companies don’t deduct anything from one’s salary such as the insurance being between them and the hospital. So, (in this case) there is nothing upon us towards them (meaning it is okay for us to benefit from their coverage), because they are the ones being deducted from.

Questioner:

Even if he is in need of medical treatment, and it may cost a lot of money, and he doesn’t have the capability for the treatment, (then) he still shouldn’t enter the hospital (upon their coverage)?

Shaykh:

He shouldn’t enter if the contract is between him and the company.

The audio source attached below.

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Ash-Shaykh Saalih al-Luhaidan, may Allah preserve him, was asked the following question,

Question:

Oh Shaykh. I work for a company and it is not hidden from you that we obtain health insurance. So is it permissible to benefit from it for medical exams, for medications, and for medical operations?

Answer:

If this is based upon it being a medical exam which the company pays for, it is something enforced, and you have no choice pertaining to it, then there :is no sin upon you inshaaa Allah.

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Ash-Shaykh Muqbil, may Allah have mercy upon him, said:

As for health insurance, if it is something made obligatory upon you, then there is no sin inshaa Allah. Therefore, we believe that taxes and customs are both haraam, yet we still pay taxes and customs to the government while its affair is left to Allah. A question arises should you go to the doctor (merely) for the purpose to extract your money back or should you go only in a time of need? What I advise you with is that you shouldn’t go unless there is a need.

Audio source attached below.

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Ash-Shaykh Abdul-Muhsin al-Abbaad , may Allah preserve him, was asked the following question,

Question:

I work for a company which I receive a salary for and from the benefits that I obtain from it without anything in return is health insurance. So is it permissible for me to make use of this type of health coverage?

Answer:

This form of health insurance contains some ambiguity. However, the fact (that) they are going to medically treat you and take care of your medications while he doesn’t have to pay anything. And they grant you the transportation to the hospital, and he benefits while it is being paid by them, then there is no harm in that.

Audio source attached below.

Translated by

AbdulFattaah Bin Uthman
Abu Fajr