What is the ruling on a father working for the National Sickness Insurance Fund, which takes amounts from employees’ salaries to give to the sick and retired, under the pretext of enriching the poor at the expense of the rich and the healthy at the expense of the poor, knowing that the fund makes profits?

The ruling on a father working in an insurance company depends on the type of insurance the company adopts:

If the insurance is commercial: Which is the prevalent type, it is forbidden because it violates Islamic law due to its inclusion of gharar (excessive uncertainty), gambling, and usury. In this case, it is not permissible to work for it or deal with it, as it constitutes cooperation in sin and aggression.

If the insurance is solidarity-based and cooperative (takafuli ta'awuni): There is no objection to working for it or cooperating with it.

To distinguish between the two types, one looks at the nature of the contract: Cooperative insurance: If the institution manages the premiums as an agent and pays compensation from the subscribers' premiums, and the surplus goes to the employees, then it is permissible. Commercial insurance: If the institution itself pays the treatment costs in exchange for premiums and the surplus belongs to it, then it is forbidden.