Question(s):
Dental plan for 1 year. Costs £90. I definitely know that I will spend around £500 in work on my teeth which I can claim back. Premium is £7.50 a month for 12 months. In that twelve months, I will definitely cover the cost of the premium as I need two checkups a crown, and a filling which costs about £400. So for £90, I save around £400. As I definitely know the benefit will outweigh the premiums, is that insurance allowed?
Answer(s):
In the Name of Allah, the Most Gracious, the Most Merciful.
As-salāmu ‘alaykum wa-rahmatullāhi wa-barakātuh.
The default position in relation to such insurance premiums is impermissibility, due to the prohibited elements therein. [1]
Thus, in the scenario in question, if you are able to afford the required treatment through halal means, adopting such a premium-based dental plan will not be permissible.
And Allah Ta’āla Knows Best.
Ibn Talha
Approved by:
Mufti Tahir Wadee | Mufti Yusuf Ilolvi
Note: This fatwa is only to be viewed with the question asked. In the event of presenting this to a third party, please ensure it is coupled with the original question, as well as the references below for Islamic Scholars.
Reference(s):
[1]
وأحل الله البيع وحرم الربا
[Qur’an Al-Kareem, Surah Al-Baqarah – Ayah 275]
يا أيها الذين امنوا اتقوا الله وذروا ما بقي من الربا إن كنتم مؤمنين
[Qur’an Al-Kareem, Surah Al-Baqarah – Ayah 278]
فإن لم تفعلوا فأذنوا بحرب من الله ورسوله
[Qur’an Al-Kareem, Surah Al-Baqarah – Ayah 279]
عن جابر، قال: لعن رسول الله صلى الله عليه وسلم اكل الربا وموكله وكاتبه وشاهديه وقال هم سواء
[Al-Sahih, Muslim – 1598]
يا ايها الذين امنوا انما الخمر والميسر والانصاب والازلام رجس من عمل الشيطان فاجتنبوه لعلكم تفلحون
[Qur’an Al-Kareem, Surah Al-Ma’idah – Ayah 90]
وهو حرام بالنص القمار
[Radd al-Muhtar ala ad-Durr al-Mukhtar, 6/403, HM Saeed]
Also, see:
[Fatawa Mahmoodiyyah, 16/387-340; Takmilah Fath al-Mulhim, 1/320; Ahsan al-Fatawa, 7/24-5]
For a detailed discussion see: [Islam aur jaded ma`ashee masa`il, 3/307-19, Idarah Islamiyyāt]
عن أبي هريرة قال نهي رسول الله عن بيع الحصاة وعن بيع الغرر
[Sahih Muslim – 3170]
بيع الغرر كله فاسد
[Muwatta Bi Riwayah Muhammad, 775]
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Arguments and ideas propounded in this answer are based on the juristic interpretations and reasoning of the author. Given that contemporary issues and their interpretations are subjective in nature, other Muftis may reach different conclusions to the one expressed by the author. Whilst every effort has been taken to ensure total accuracy and soundness from a Shari’ah perspective, the author is open to any correction or juristic guidance. In the event of any juristic shortcomings, the author will retract any or all of the conclusions expressed within this answer.
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