Is it permissible to benefit from the medical insurance service provided by the German insurance company (Allianz) as an incentive from the company, given that the company pays the full annual premium without any deduction from the salary, and what is the ruling for one who seeks treatment at his own expense and then demands reimbursement from the insurance company?
Source: FtawySummary from Ftawy's records · added here Sep 2, 2026
Insurance is of two types: Prohibited (Commercial) Insurance: It is not permissible to benefit from it beyond the amount paid into it, because it is based on (excessive uncertainty), gambling, and consuming people's wealth unlawfully. Permissible (Cooperative) Insurance: This is based on volunteering and cooperation in righteousness, and it is permissible to benefit from it according to the terms of the agreement, even if the benefit exceeds the amount paid.
This detailed explanation applies to claims for reimbursement of treatment costs from insurance companies.
Summary from Ftawy's records · added here
Reviewed by El Fatwa's sharia committee.
Read the full answer on Ftawyhttps://ftawy.com/en/questions/94203
Where this answer came from
- Source platform
- Ftawy
- Original fatwa ID
- 94203
- 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