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)