What is the ruling on insurance, given that the state imposes it on citizens?
Source: FtawySummary from Ftawy's records · added here Sep 2, 2026
Insurance is of two types: commercial and cooperative. Commercial insurance is forbidden because it involves (excessive uncertainty), (gambling), and riba (usury). Cooperative insurance, however, is permissible. It is permissible to participate in permissible insurance, whether voluntarily or obligatorily. As for commercial insurance, which is forbidden, it is not permissible to participate in it unless one is compelled to do so, and in such a case, one must limit participation to only what is necessary to meet the need.
Summary from Ftawy's records · added here
Reviewed by El Fatwa's sharia committee.
Read the full answer on Ftawyhttps://ftawy.com/en/questions/162526
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- Ftawy
- Original fatwa ID
- 162526
- 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