Is Medical Insurance Halal in Islam? Read This!

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Hi all readers! Are you looking for an explanation about “is medical insurance halal in Islam?”? If your answer is “Yes”, congratulations! Now you are reading the right article. Why? Because that is what I will explain in this article. As Muslims, we must understand that. That’s why I wrote this article. So, you should read it to the end!

Specifically, there are three important points about “is medical insurance halal in Islam?” which I will explain in this article. The three important things I mean are as follows:

  1. Why Should We Understand About Medical Insurance in Islam?
  2. Is Medical Insurance Halal in Islam?
  3. Can Muslim Buy Medical Insurance in Islam?

Why Should We Understand About Medical Insurance in Islam?

The first important thing about “is medical insurance halal in Islam?” what I will explain now is “why should we understand about medical insurance in Islam?”. I want you to understand that first before you read more explanations in this article so that you understand the urgency of this discussion.

Medical insurance is one of the new discussions in Islam. The point is that there is no discussion of medical insurance in classical Islamic literature. That is one of the reasons for the difference of opinion among experts in Islamic law regarding the legality of medical insurance for Muslims.

Medical insurance is an agreement between the customer and the insurance company. In the agreement, the medical insurance company is willing to bear a sum of money for losses due to something in the future after the customer agrees to pay the money.

There are differences of opinion among Islamic jurists regarding the legality of medical insurance. Some Islamic legal experts say that medical insurance is halal insurance if it is managed according to Islamic principles. But some other Islamic legal experts say that there is no halal medical insurance in Islam. In other words, this second opinion says that medical insurance in Islam is conventional medical insurance.

Now, if you ask me, “why should we understand about medical insurance in Islam?”, the answer is as follows:

One: Muslims must ensure that all things related to them are halal, their food must be halal food, their clothes must be halal clothing, their cars must be halal cars, their health must be halal health.

Two: there are differences of opinion about the legality of medical insurance in Islam as I explained earlier.

Three: Muslims who want to buy medical insurance, must understand all things related to medical insurance so that they get halal medical insurance.

Those are the three main reasons why we should understand medical insurance in Islam. If Muslims want to buy medical insurance, then they have to make sure that the medical insurance is halal medical insurance. They must ensure that the medical insurance funds they provide to medical insurance companies are managed according to Islamic principles and do not violate Islamic rules. That is the main reason why they should cover all aspects of medical insurance.

That’s a brief explanation of “why should we understand about medical insurance in Islam?”. As Muslims, we must understand that.

Is Medical Insurance Halal in Islam?

The second important point about “is medical insurance halal in Islam?” what I’m going to explain now is a specific answer. I want you to understand that because that is the main discussion in this article.

Before I explain the answer to the question, “is medical insurance halal in Islam?”, first, I want to explain the difference between medical insurance in Islam and conventional medical insurance. Why? Because that’s what causes differences of opinion among Islamic jurists about the legality of medical insurance in Islam.

In general, if we read some literacy about medical insurance in Islam and conventional medical insurance, then we will find an explanation that the difference is the concept of managing medical insurance funds.

The concept of medical insurance in Islam and the management of medical insurance funds in Islam according to Islamic rules. The point is that they must not violate Islamic rules. Medical insurance in Islam forbids fraud, coercion, managing illicit funds, and so on. The point is that Islamic principles and Islamic rules become the standard for managing medical insurance.

In medical insurance in Islam, risk coverage is between the insurance company and the insurance participants (risk sharing). Participants help each other and help each other. Fundraising is managed by sharing the risk with the insurance company and participants.

The concept of conventional medical insurance and the management of conventional medical insurance funds do not make Islamic principles and Islamic rules the standard for managing medical insurance.

In conventional medical insurance, the transfer of risk from the participant to the company is full (risk transfer). In full, the insurance will bear the risk on behalf of the insured, according to the agreement.

Now, if you ask me, “is medical insurance halal in Islam?” the answer is that medical insurance is halal in Islam if the concept of managing medical insurance and medical insurance funds is in accordance with Islamic principles and Islamic rules. But if the management is not in accordance with Islamic principles and Islamic rules, medical insurance is not halal in Islam.

That’s a brief explanation of “is medical insurance halal in Islam?”. As Muslims, we must understand that.

Can Muslim Buy Medical Insurance in Islam?

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