Question Summary:
Is it permissible to take benefits from an insurance company paid by my employer?

Question Detail:

Assalamu Alaikum,

Answer :

In the Name of Allah, the Most Gracious, The Most Merciful.

As-salaamu `alaykum wa-ramatullahi wa-barakatuh.

Conventional insurance is not permissible. You did not take out the insurance cover. The company is offering the insurance benefit to you, your spouse, two children and parents. That is regarded as a gift from the company to you. It is permissible to accept the insurance benefits. You may make use of the insurance benefits for the medical and hospital charges.[1]

And Allah Ta`ala Knows Best.

Hussein Muhammad.

Student Darul Iftaa

Tanzania

Checked and Approved by:

Mufti Ebrahim Desai.

[1]

الأصل للشيباني ط قطر (3/ 419)

قلت: أرأيت مسلماً وهب لنصراني (3) هبة أو ليهودي أو مجوسي هل يجوز ذلك؟ قال: نعم. قلت: وكذلك الذمي لو كان هو الواهب للمسلم؟ قال: نعم. قلت: وهما في ذلك بمنزلة المسلمين؟ قال: نعم.

مختصر القدوري (ص: 124)

الهبة: تصح بالإيجاب والقبول وتتم القبض فإذا قبض الموهوب له في المجلس بغير أمر الواهب جاز

Fataawa Darul Uloom Zakariyya, Vol 5, Pg 423.