What is the ruling on using cards provided by the administration for cooperation with Taj (Taa’wuniyah lil-Ta’meen) Cooperative Insurance for treatment in private hospitals, while paying only 20% of the examination cost?

Cooperative insurance is permissible. It involves individuals or institutions contributing funds to a pool not owned by another party, to compensate any among them who suffer from illness or accident. As for commercial insurance of all types (health insurance, life insurance, and the like), it is forbidden, and it is not permissible to engage in it, whether it comes from the government or by personal choice. The vast majority of contemporary scholars and the Islamic Fiqh Academy have issued fatwas prohibiting it.