Is insurance in its various forms permissible or impermissible (halal or haram)? Is it permissible for a health-insured individual to feign illness in order to benefit from medication and sell it, or to treat others using his insurance? And is it permissible for a brother to benefit from his brother's health insurance?
Source: FtawySummary from Ftawy's records · added here Sep 2, 2026
Insurance is divided into two types: permissible, which is cooperative takaful insurance, and forbidden, which is commercial insurance. It is permissible to subscribe to cooperative takaful insurance for health and similar matters, provided its conditions are met and there is no deception. As for the forbidden commercial insurance, it is not permissible to subscribe to it voluntarily. However, for those who are forced or ignorant, it is permissible to claim what they contributed without any increase.
Summary from Ftawy's records · added here
Reviewed by El Fatwa's sharia committee.
Read the full answer on Ftawyhttps://ftawy.com/en/questions/107672
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- Ftawy
- Original fatwa ID
- 107672
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- . This is when the answer was added to El Fatwa, not the fatwa's date.
- Text
- Summary from Ftawy's records, reviewed by El Fatwa's sharia committee.
- Read the full ruling
- Read the full answer on Ftawy