What is the ruling on health insurance provided by the hospital to its employees for 200 Saudi Riyals annually, which involves reducing or covering the costs of treatments and appointments? Is it considered a form of Maysir (gambling/speculation)? And is there a difference of opinion among scholars regarding this issue?
If the insurance is optional, its type is considered: if it is a cooperative Takaful, it is permissible to subscribe to it and benefit from its services. If it is commercial, it is not permissible to subscribe to it, because it is gharar (uncertainty) and qimar (gambling).
Summarized from the full answer at Ftawy · reviewed Sep 2, 2026
Read the full answer on Ftawyhttps://ftawy.com/en/questions/164885