Is it permissible for the insured to purchase eyeglasses with high-quality lenses and an inexpensive frame, while his wife purchases eyeglasses with inexpensive lenses and an expensive frame, then gives him the frame, in order to benefit from the insurance amount allocated for eyeglasses? Is it permissible for the insured to purchase lenses that consume the entire insurance amount allocated for eyeglasses, even if it exceeds the maximum limit for lenses, and then pay the difference? And how can he absolve himself of the amount spent on the frame, knowing that what has been spent on insurance cannot be returned?
If the wife purchases the frame that can be bought as part of the insurance, and then gifts it to her husband, there is no objection. However, if the cost of the frame and lenses are combined into one item, and the other item is bought with his own money, and this violates the terms of the insurance, then there is an error. The excess amount must be returned to the company, or spent on general Muslim interests, or given to the poor and needy.
Summarized from the full answer at Ftawy · reviewed Sep 2, 2026
Read the full answer on Ftawyhttps://ftawy.com/en/questions/146238