Insurance for Physicians

Question:

Country: Australia

Since Insurance is haram, would it then be haram for a physician to obtain medical indemnity insurance and medical malpractice insurance, these specific insurances are compulsory in countries and hospitals for physicians. Would this be considered haram?

(Question published as received)

Answer:

In the name of Allah, the Most Gracious, the Most Merciful.

In principle, it is not permissible for one to take out any form of insurance. However, if a physician is legally obliged to take out insurance, then it is permissible for him to opt for the minimum required insurance scheme in his country. [i]

And Allah knows best

(Mufti) Bilal al-Mahmudi

06 Rajab 1441 / 01 March 2020


[i] القاعدة الخامسة: الضرر يزال … وهذه القاعدة مع التي قبلها متحدة او متداخلة، وتتعلق بها قواعد: الأولى: الضرورات تبيح المحظورات … الثانية: ما ابيح للضرورة يتقدر بقدرها. (الاشباه والنظائر مع شرح الحموي. ج ١ ص ٢٥١. إدارة القرآن والعلوم الإسلامية)

(أحسن الفتاوى. ج ٧ ص ٢٥. سعيد)

(فتاوى محموديه. ج ١٦ ص ٣٨٧. فاروقيه)

(فتاوى دار العلوم زكريا. ج ٥ ص ٤٤٣. زمزم)

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IMPORTANT - PLEASE READ FIRST
  • The ruling given is based specifically on the question posed and should only be read in conjunction with that question.
  • Due to the number of queries received, please allow a minimum of 7 days for your question to be answered.
  • If two questions are asked at once or the question requires a detailed research, please allow up to three or four weeks for your question to be answered. Urgent queries will be given priority.
  • Kindly do not submit more than three questions at once.
  • If you do not receive a response within 10 days, kindly resubmit your query.
  • Our responses may reach your junk folder and not your inbox. Be sure to check your junk folder before resubmitting your query.
  • Note: Not all answers are published on the site. All efforts are made to conceal the questioner’s identity. Please note that we do not answer social queries or dream interpretation questions.