Ref. No. 1498/42-000

In the name of Allah the most Gracious the most Merciful

The answer to your question is as follows:

Medical insurance has been declared illegal by the jurists even in the present age. The entire amount deposited in the insurance company is usually lost, it is not refunded. However, the company cooperates in certain conditions when needed. Any dealing that ensures either profit or loss for the parties is gambling in Shari'ah terms. Since it is like usury and gambling which are strictly forbidden by the Shari'ah, it is not permissible.

Also, all the taxes paid by the father in his lifetime has already gone to the government. The son had no right over it before, nor does he have too. Hence, it is not permissible for the son to take insurance in its name. The insurance which is mandatory and legally required by the government and the person has no choice but to opt for it, it is permissible; while we do not know any such law on medical insurance.

وَلَا تَأْکُلُوْا أَمْوَالَکُمْ بَیْنَکُمْ بِالْبَاطِلِ﴾ أي بالحرام، یعني بالربا، والقمار، والغصب والسرقة (معالم التنزیل ۲: ۵۰) ، لأن القمار من القمر الذي یزداد تارةً وینقص أخریٰ۔ وسمی القمار قمارًا؛ لأن کل واحد من المقامرین ممن یجوز أن یذہب مالہ إلی صاحبہ، ویجوز أن یستفید مال صاحبہ، وہو حرام بالنص (شامی، کتاب الحظر والإباحة، باب الاستبراء، فصل في البیع ۹: ۵۷۷، مطبوعہ: مکتبہ زکریا دیوبند)۔

And Allah knows best

Darul Ifta

Darul Uloom Waqf Deoband

Ref. No. 2144/44-2205

In the name of Allah the most Gracious the most Merciful

The answer to your question is as follows:

It is not permissible to use interest money in toilets or bathrooms. It is not permissible to use interest money in any charitable work. The interest money must be received from bank and given to the poor without any intention of reward.

(رد المحتار: مَطْلَبٌ فِيمَنْ وَرِثَ مَالًا حَرَامًا، 99/5، ط: سعید)
"والحاصل: أنه إن علم أرباب الأموال وجب رده عليهم، وإلا فإن علم عين الحرام لايحل له ويتصدق به بنية صاحبه".
و فیہ ایضاً: (385/6، ط: دار الفکر)
أن سبيل الكسب الخبيث التصدق إذا تعذر الرد على صاحبه اه

And Allah knows best

Darul Ifta

Darul Uloom Waqf Deoband

Ref. No. 39/1148

 In the name of Allah the most Gracious the most Merciful

The answer to your question is as follows:

It is allowable to do so, since it is not based on interest.

And Allah knows best

Darul Ifta

Darul Uloom Waqf Deoband

Ref. No. 2609/45-4055

In the name of Allah the most Gracious the most Merciful

The answer to your question is as follows:

In business and trade, sometimes there is profit and sometimes there is loss and both may go up and down too. In the above mentioned case, the profit rate is fixed, so you would get the specified profit in every case, thus it is not a trade, but it is an interest gaining policy where you are giving your money at 6% interest, which is absolutely forbidden in Shariah. So it is not permissible to take the above policy and earn profit from it. You should terminate it immediately and adopt a halal method of trading.

عَنْ جَابِرٍ، قَالَ: «لَعَنَ رَسُولُ اللهِ صَلَّى اللهُ عَلَيْهِ وَسَلَّمَ اٰكِلَ الرِّبَا، وَمُؤْكِلَهُ، وَكَاتِبَهُ، وَشَاهِدَيْهِ»، وَقَالَ: «هُمْ سَوَاءٌ»".

(صحیح مسلم ، کتاب المساقات،3/1219، دار احیاء التراث ، بیروت)

(قوله لأنه يصير قمارا) لأن القمار من القمر الذي يزداد تارة وينقص أخرى، وسمي القمار قمارا لأن كل واحد من المقامرين ممن يجوز أن يذهب ماله إلى صاحبه، ويجوز أن يستفيد مال صاحبه وهو حرام بالنص.

(ردالمحتار علی الدر المختار ، کتاب الحظر والاباحة،فصل فی البیع، ۶/۴۰۳،ط:سعید)

And Allah knows best

Darul Ifta

Darul Uloom Waqf Deoband

Ref. No. 1075/41-269

In the name of Allah the most Gracious the most Merciful

The answer to your question is as follows:

In the above mentioned case, you can take home loan, however you have to repay the loan at earliest to avoid more interest. You should know that taking home loan is not recommended in shariah. 

And Allah knows best

Darul Ifta

Darul Uloom Waqf Deoband

Ref. No. 41/951

In the name of Allah the most Gracious the most Merciful

The answer to your question is as follows:

The interest money received from government banks may be used in paying the income tax to government.

And Allah knows best

Darul Ifta

Darul Uloom Waqf Deoband

Ref. No. 41/950

In the name of Allah the most Gracious the most Merciful

The answer to your question is as follows:

Interest and all interest based dealings are strongly forbidden in Islam. The Qur'an and Ahadith are very clear on the prohibition of interest. The Holy Quran says that those who return to dealing in interest are the companions of the Fire and that they will face a painful punishment in the Hereafter. The Hadith says that the receiver and the payer of interest, the one who records it and the two witnesses to the transaction are all alike in guilt. It means involving in such a transaction in any way is prohibited for a Muslim.

Thus buying Life Insurance policy which comprises of interest and gambling is not allowed in Islam. However, if it is extremely necessary or legally required, then it maybe allowed with some conditions. So before proceeding ahead, one must consult the Ulama with full details.

And Allah knows best

Darul Ifta

Darul Uloom Waqf Deoband

Ref. No. 41/958

In the name of Allah the most Gracious the most Merciful

The answer to your question is as follows:

Bank serves its customers and in return it levies charges as service fees which are allowable in Shariah. The interest money can be given in unlawful charges but these charges are not considered unlawful in Shariah. Thus it is not allowed to pay interest money in ATM and credit card and bank’s service charges. But the minimum account balance penalty would be considered unlawful in shariah. Hence one maybe allowed using interest money received from bank to pay its maintenance fees.

And Allah knows best

Darul Ifta

Darul Uloom Waqf Deoband

Ref. No. 1024

In the name of Allah the most Gracious the most Merciful

The answer to your question is as follows:

It is not allowable to give interest money in house tax or road tax etc. The interest money must be given to the poor and needy without having any intention of reward. And Allah knows best

Darul Ifta

Darul Uloom Waqf Deoband

Ref. No. 37 / 1033

In the name of Allah the most Gracious the most Merciful

The answer to your question is hereunder:

Medical insurance is based on interest and gambling. So, one is not allowed to benefit from such as interest-based scheme.

And Allah knows best

Darul Ifta

Darul Uloom Waqf Deoband