Ruling on health Insurance

Question:

Someone has a dispensary and used to conclude contracts with some companies to treat their employees for a specific amount of money per year. The employees of the contracting companies have the choice to go every now and then without a minimum or maximum limit for their visits. Is this contract Islamically valid? I hope Your Eminence will clarify the issue for me. May Allah grant us all success and guide your steps for He is All-Hearing, All-Answering.

Answer:

This is known as Health Insurance and it is one form of commercial insurance which is Muharram (prohibited) according to the decree of the Council of Senior Scholars. 1

May Allah grant us success. May peace and blessings be upon our Prophet Muhammad, his family, and Companions.


  1. See Fatwas of Permanent Committee (Fatawa Al-Lajnah Al-Da’imah), Group 1, vol. 15, pp. 310-311. 

  • Date: Muharram 12, 1442 AH
  • Source: Fatawa Al-Lajnah Ad-Da'imah no. 21667
  • Muftis: Shaykh Abdul-Aziz Aal al-Shaykh , Shaykh Abdullah ibn Ghudayyan , Shaykh Salih Fawzan , Shaykh Bakr Abu Zayd