Is it permissible to subscribe to the health insurance system, which the company provides to its employees through a specialized company, in the event that the employee is unable to pay the costs of any accident he may be exposed to?
Source: FtawySummary from Ftawy's records · added here Sep 2, 2026
Insurance is of two types: 1. Commercial insurance: This is forbidden (), based on (excessive uncertainty), gambling (qimar), and (games of chance), and it is the prevalent type. 2. Cooperative Takaful insurance: This is permissible (), adopted by Islamic insurance institutions.
One must consider the type of specific insurance one wishes to subscribe to. If it is commercial, then it is not permissible to subscribe to it. If it is Takaful, then there is no harm.
Summary from Ftawy's records · added here
Reviewed by El Fatwa's sharia committee.
Read the full answer on Ftawyhttps://ftawy.com/en/questions/118015
Where this answer came from
- Source platform
- Ftawy
- Original fatwa ID
- 118015
- 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