What is the ruling on joining a cooperative that reimburses medical expenses and provides grants in specific cases, knowing that it receives membership and contribution fees from the first month, while it begins fulfilling its obligations after six months?
Source: FtawySummary from Ftawy's records · added here Sep 2, 2026
Commercial insurance, of all types, is not permissible according to because it is based on (excessive uncertainty) and (gambling). As for cooperative insurance, which involves individuals and institutions contributing funds to a common fund from which those among them who suffer damage are compensated with their consent, it is permissible, provided that the fund is regulated by Sharia principles. This means that there should be no injustice to anyone, and its funds should not be invested in what Allah has forbidden.
Summary from Ftawy's records · added here
Reviewed by El Fatwa's sharia committee.
Read the full answer on Ftawyhttps://ftawy.com/en/questions/77720
Where this answer came from
- Source platform
- Ftawy
- Original fatwa ID
- 77720
- 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