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Insurance and Medical aid

Claiming damages from the person who knocked one's car

Q: My car was hit by other car from behind, so I claimed and the insurance company gave me some amount as compensation. So can I use that money?

Insurance

Q: I want to pursue general insurance course and work in Muslim countries like Saudi Arab, Dubai, Oman, Kuwait. Is it Halal to pursue and work in insurance co, in Muslims countries? I don't pursue Life insurance because I know it is haraam. I want to know about general insurance because there is many insurance companies in Arab countries owned and operating by Arab Muslims. If it is haraam then how is it allowed in Arab countries?

Motor vehicle insurance

Q: Is full comprehensive insurance for motor vehicles allowed?

Takaaful

Q:

1. Is takaaful valid in Islam?

2. Hospital plan for affordable childbirth; is this permissible in Islam?

Insurance for marriage

Q: I want to know that is it permissible to have an insurance for purpose of marraige of one's sister or daughter?

Taking out life insurance to save tax

Q: Here, in South Africa, when a person passes away, he has to pay 20% estate duty of his total estate to the government. Many a time, this amount runs into millions and is an extremely exorbitant amount to pay. I was recently advised by a colleague to take out life insurance so that upon my death, the policy payout will cover the estate duty. Please advise if doing this will be permissible.

Life insurance

Q: What kind of thing is life insurance?

life insurance and funeral insurance

Q: I just wanted to know if one can take out life insurance policy? Also if one can take out funeral insurance policy where the family is covered in case of death for funeral expenses?

Medical aid

Q: Is medical aid and hospital plans permissible. In our town we have a government hospital and a private hospital. The government hospital's services to the sick is free and at private hospitals the fees are exorbitant starting at around one hundred thousand. I have never been on medical aid. In the past year I have become sick and now have serious medical conditions. I visited the private doctor recently and he diagnosed that my kidneys are failing. The doctors could not further attend to me or operate as I have no money to pay nor medical aid. They are requesting around seventy thousand rand from me for a start. If I don't do the operation, my kidneys will fail and the result is death. I cannot go to the government hospitals as many people who had operations at these hospitals came out worse than they were before they went in. A friend of mine had leg pains and went to the government hospital and had an operation done. When he came out he walked on crutches till he died and claimed that the hospital destroyed his legs as the government hospitals have young doctors from third world countries. Another friend had a pain in his foot. He also went to the government hospital and they operated on his feet. When he came out he couldn't walk for years as his feet were worse and he could not bend his toes at all. He had to sit on a chair for Salaah. I am worried if I go the same way as they have done, I will be more sick than I am and if I had medical aid then I could have used it to go to private hospitals. Please advise.

Insuring one's house or car

Q: Is it permissible for one to take out a policy to insure one’s house or car? The contract that one signs obligates him to pay monthly premiums in exchange of the payout that he will receive in the event of a burglary or hijacking.

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