Question Summary:
In most of the companies nowadays, companies deduct a nominal amount every month from the employees salary in the capacity of Health Insurance and

Question Detail:

In most of the companies nowadays, companies deduct a nominal amount every month from the employees salary in the capacity of Health Insurance and whenever employee is suffering from any disease he gets its treatment done  from the hospital and than he get reimbursement from the company, Please inform that is that Reimbursement from Insurance Company is Halal or Haram??? or Health insurance and life insurance is Halal or Haram??

Inform same about car insurance…

Answer :

In the name of Allah, Most Gracious, Most Merciful

Assalaamu `alaykum waRahmatullahi Wabarakatuh
 
Insurance policies generally have an element of (Ribā) interest, Qimar (gambling) and gharar (uncertainty). Hence, it is not permissible to take an insurance policy whether it is medical, life or motor insurance.
However, if a person is working for a company and every month an amount is deducted from his salary without his consent, it will be permissible for him to make use of the benefits and it will be considered as a gift to him from the company.
(Nawaadirul Fiqh, vol.1 pg326, Karachi)
And Allah knows best
Wassalamu Alaikum
Ml. Rayhaan Docrat,
Student Darul Iftaa
Checked and Approved by:
Mufti Ebrahim Desai
Darul Iftaa, Madrassah In'aamiyyah