What is the ruling of Islam on dealing with cooperatives and insurances that offer the privilege of paying a certain percentage of medicine and treatment expenses in exchange for a monthly sum of money?
Source: FtawySummary from Ftawy's records · added here Sep 2, 2026
Cooperative Takaful insurance is permissible, but commercial insurance based on (uncertainty), gambling, and (games of chance) is forbidden, except for the compelled, who is not allowed to take more than what he paid. Cooperative societies established to assist those affected are permissible if they are free from prohibitions, such as depositing money in usurious banks.
Summary from Ftawy's records · added here
Reviewed by El Fatwa's sharia committee.
Read the full answer on Ftawyhttps://ftawy.com/en/questions/108871
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- Ftawy
- Original fatwa ID
- 108871
- Added here
- . 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