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Is Health Insurance Halal in Islam? Read This!

Hi all readers! Are you looking for an explanation about “is health insurance halal in Islam?”? If your answer is “Yes”, congratulations! Now you are reading the right article. Why? Because that is what I will explain in this article. As Muslims, we must understand that. That's why I wrote this article. So, you should read it to the end!

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Specifically, there are three important things about “is health insurance halal in Islam?” which I will explain in this article. The three important things I mean are as follows:

Why Should We Understand About Health Insurance in Islam?

The first important thing about “is health insurance halal in Islam?” What I will explain now is "why should we understand about health insurance?". I want you to understand that first before you read more explanations in this article so that you understand the urgency of this discussion.

Health insurance is one of the new discussions in Islam. The point is that there is no discussion of health insurance in classical Islamic literature. That is one of the reasons for the difference of opinion among experts in Islamic law regarding the legality of health insurance for Muslims.

Health insurance is an agreement between the customer and the insurance company. In the agreement, the health insurance company is willing to bear a sum of money for losses due to something in the future after the customer agrees to pay the money.

There are differences of opinion among Islamic legal experts regarding the legality of health insurance. Some Islamic legal experts say that health insurance is halal insurance if it is managed according to Islamic principles. But some other Islamic legal experts say that there is no halal health insurance in Islam. In other words, this second opinion says that health insurance in Islam is conventional health insurance.

Now, if you ask me, “why should we understand about health insurance?”, the answer is as follows:

  1. Muslims must ensure that all things related to them are halal, their food must be halal food, their clothes must be halal clothing, their cars must be halal cars, their health must be halal health.
  2. There are differences of opinion about the legality of health insurance in Islam as I explained earlier.
  3. Muslims who want to buy health insurance, must understand all things related to health insurance so that they get halal health insurance.

Those are the three main reasons why we should understand health insurance in Islam. If Muslims want to buy health insurance, then they have to make sure that the health insurance is halal health insurance. They must ensure that the health insurance funds they provide to health insurance companies are managed according to Islamic principles and do not violate Islamic rules. That is the main reason why they should cover all aspects of health insurance.

That's a brief explanation of "why should we understand about health insurance?". As Muslims, we must understand that.

Is Health Insurance Halal in Islam?

The second important point about “is health insurance halal in Islam?” what I'm going to explain now is a specific answer. I want you to understand that because that is the main discussion in this article.

Before I explain the answer to the question, "is health insurance halal in Islam?", first, I want to explain the difference between health insurance in Islam and conventional health insurance. Why? Because that's what causes differences of opinion among experts in Islamic law about the legality of health insurance in Islam.

In general, if we read some literacy about health insurance in Islam and conventional health insurance, then we will find an explanation that the difference is the concept of managing health insurance funds.

The concept of health insurance in Islam and the management of health insurance funds in Islam according to Islamic rules. The point is that they must not violate Islamic rules. Health insurance in Islam forbids fraud, coercion, managing illicit funds, and so on. The point is that Islamic principles and Islamic rules become the standard for managing health insurance.

In health insurance in Islam, risk coverage is between the insurance company and the insurance participants (risk sharing). Participants help each other and help each other. Fundraising is managed by sharing the risk with the insurance company and participants.

The concept of conventional health insurance and the management of conventional health insurance funds do not make Islamic principles and Islamic rules the standard for managing health insurance.

In conventional health insurance, the transfer of risk from participants to the company is full (risk transfer). In full, the insurance will bear the risk on behalf of the insured, according to the agreement.

Now, if you ask me, "is health insurance halal in Islam?" the answer is that health insurance is halal in Islam if the concept of managing health insurance and health insurance funds is in accordance with Islamic principles and Islamic rules. But if the management is not in accordance with Islamic principles and Islamic rules, health insurance is not halal in Islam.

That's a brief explanation of "is health insurance halal in Islam?". As Muslims, we must understand that.

Can Muslim Buy Health Insurance in Islam?

The third important point about “is health insurance halal in Islam?” what I will explain now is "can Muslim buy health insurance in Islam?". I want you to understand that because it is one of the important questions in this discussion that must be well understood.

Actually, if you understand some of the previous explanations, you can conclude that you can buy health insurance in Islam if the management of the health insurance is according to Islamic principles and Islamic rules. But if the management of health insurance is not in accordance with Islamic principles and Islamic rules, you are not allowed to buy health insurance. Why?

In general, health insurance companies that do not make Islam the standard of management, they will manage it according to their own standards. In general, they will only calculate the profit and loss. The concern is if health insurance funds are invested in things that violate Islamic rules, such as alcohol, gambling, and so on. The profit of investing in things that violate Islamic rules is haram.

So, if you want to buy health insurance, you have to make sure that the concept of health insurance and the management of health insurance funds are according to Islamic principles and do not violate Islamic rules. You have to do that so that you get halal health insurance.

That's a brief explanation of "can Muslim buy health insurance in Islam?". As Muslims, we must understand that.

All readers! That's a brief explanation of "is health insurance halal in Islam?" and some important things about it. Do you understand? If you want to ask, please ask.

I think that's enough for this article. Hope it is useful. Amen.

See you again in the next article! 

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