What is the Shariah ruling and the legitimate Shariah controls for subscribing to a family health insurance company with an annual premium to cover treatment expenses for one year, in light of the rising costs of treatment and medicine?
Source: FtawySummary from Ftawy's records · added here Sep 2, 2026
Health insurance systems, and others, include what is permissible, which is cooperative, Takaful insurance (and this is rare), and what is forbidden, which is commercial insurance (and this is common). The common insurance is a type of gambling and involves (excessive uncertainty) and consuming wealth unjustly, so it is not permissible to subscribe to it.
Summary from Ftawy's records · added here
Reviewed by El Fatwa's sharia committee.
Read the full answer on Ftawyhttps://ftawy.com/en/questions/109751
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- Ftawy
- Original fatwa ID
- 109751
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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