Is it permissible to subscribe to the optional social insurance system for expatriates announced by the Yemeni government, which provides a retirement pension at the age of 55 or for children after death, in exchange for monthly, quarterly, or annual installments equivalent to 15% of the desired pension amount?
If the insurance is commercial, then it is not permissible to participate in it due to the elements of jahalah (uncertainty) and muqamara (gambling) it contains. However, if it is cooperative and based on mutual solidarity (takaful), then there is no harm in it.
Summarized from the full answer at Ftawy · reviewed Sep 2, 2026
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