Is private medical insurance permissible or forbidden, taking into consideration the fatwa of Dar al-Ifta al-Misriyyah regarding its permissibility?
Source: FtawySummary from Ftawy's records · added here Sep 2, 2026
Commercial insurance, in all its forms, is Islamically forbidden due to the elements of (excessive uncertainty), jahalah (ignorance regarding the subject matter), and riba (usury), and this is what the Fiqh Councils have unanimously agreed upon. As for cooperative insurance, it is permissible because it is based on donation, mutual support, and cooperation in righteousness, not on profit, though it is rarely found. Accordingly, one must examine the status of the insurance company: if it is commercial, it is not permissible to deal with it; if it is cooperative, then there is no objection.
Summary from Ftawy's records · added here
Reviewed by El Fatwa's sharia committee.
Read the full answer on Ftawyhttps://ftawy.com/en/questions/177827
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- Ftawy
- Original fatwa ID
- 177827
- 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