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Fatwa CenterWorks in a School and Has to Choose Health Insurance
Question
As Salamu Alaikumi work in a school where we are given chance to select. type of health insurance you want for your self base on your capacity, the amount is deducted from my salary every month, my school is not paying anything for me, i was the one who chose the hospital by my self, please, is this system of accessing health allowed in Islam, more so that ,i only go to the hospital when am not feeling fine. Jazakumullahu khaira.
Answer
All perfect praise be to Allah, The Lord of the Worlds. I testify that there is none worthy of worship except Allah, and that Muhammad 
is His slave and Messenger.
There are two kinds of insurance:
First: Commercial insurance based on deception and gambling, and we have already explained in many Fatawa that it is not permissible for a person to participate in it voluntarily; health insurance is like other types of commercial insurance.
Second: Cooperative insurance. There is nothing wrong with participating in it voluntarily and benefiting from its services.
For more benefit on cooperative insurance, please refer to Fatawa 98857, 320428 and 82078.
For more benefit on the prohibition of commercial insurance, please refer to Fatawa 361417, 164309, 164145, 81425 and 156333.
Allah knows best.
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