Resolution No.(306), By The Board of Iftaa', Researches and Islamic Studies:
"Ruling on Health Insurance"
Date: (25th of Jumada Al Oula, 1443 AH), corresponding to (30/12/2021 AD).
In the name of Allah, Most Gracious, Most Merciful
All perfect praise be to Allah, the Lord of the Worlds; may His blessings and peace be upon our Prophet Mohammad and upon all his family and companions.
On its sixteenth meeting held on the above date, the Board of Iftaa`, Research, and Islamic Studies reviewed question No.(207233) sent to the electronic website of The General Iftaa` Department. It stated as follows: I work for a company of the private sector and we have optional health insurance. What is the ruling of Sharia on this health insurance taking into consideration that the company where I work deals with a conventional insurance company where an amount of 11JDs is deducted from an employee`s salary while the rest is covered by the employer?
After careful consideration, the Board decided what follows:
Health treatment is one of the necessities emphasized by the Maqasid of Sharia (Higher objectives of Sharia). Due to the progress accomplished in the field of medicine and the diversity of its techniques, meeting this need has become too expensive, so individuals couldn`t afford treatment and this negatively affected their health.
Since public need is ranked as a private necessity and the rules of Sharia rests on warding off harm and hardship, then it is permissible for an employee to have access to the services of medical insurance by virtue of his/her company having concluded a contract to that end with an insurance company. It is also permissible for an employee to include his/her dependents in those services as well. However, we advise employers to insure their employees with cooperative insurance companies that observe the standards of Sharia in this regard. And Allah The Almighty Knows Best.
Chairperson of Iftaa` Board
Grand Mufti of Jordan Dr. Abdulkareem al-Khasawneh
Dr. Mohammad al-Khalayleh
Dr. Mahmoud al-Sartawi/ Member Dr. Majed al-Darawsheh/ Member
Sheikh Sa`eid Al-Hijjawi, Member
Judge Samer Al-Khobbaj/ Member Prof. Adam Nooh Al-Qhodaat/Member
Prof. Amjad Rasheed/Member
Dr. Jamil Khatatbeh/Member Dr. Mohammad Younis Al-Zou`bi/ Member
Dr. Ahmad al-Hasanat/ Member