Is the monthly deduction from the salary in a workplace, which is used to compensate workers for medical treatments, considered a cooperative fund that is permissible to subscribe to, knowing that subscription is voluntary and that the institution pays from its own funds if the amount collected from the workers is insufficient?
Source: FtawySummary from Ftawy's records · added here Sep 2, 2026
The institution's deduction of an amount resembling health insurance: Insurance is of two types: Commercial insurance, which is prohibited, based on (excessive uncertainty/risk) and profit-making; and cooperative (Takaful) insurance, which is permissible, based on cooperation and risk-sharing. It is not possible to definitively determine the type of insurance practiced by your institution without knowing the true nature of the premiums, how they are paid, and the institution's relationship with the money.
Summary from Ftawy's records · added here
Reviewed by El Fatwa's sharia committee.
Read the full answer on Ftawyhttps://ftawy.com/en/questions/183760
Where this answer came from
- Source platform
- Ftawy
- Original fatwa ID
- 183760
- 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