Is it permissible, from a Sharia perspective, to use the "Takaful Al Arabiya" healthcare discount card to obtain discounts on examinations and childbirth, given that the wife is residing on a visit visa and cannot obtain health insurance, and that prenatal care and childbirth entail exorbitant costs?

Most contemporary scholars have deemed this transaction impermissible due to the presence of gharar (excessive uncertainty). The Islamic Fiqh Academy of the Muslim World League has issued a resolution prohibiting the issuance or purchase of discount cards for a fixed price or an annual subscription. This is because it involves gharar, as the buyer pays money without knowing what they will receive. Thus, the loss is certain, while the gain is merely potential.