Monday | 24 January 2022 | 21 Jamadiul-Thani 1443
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Fatwa Answer

Question ID: 1461 Category: Dealings and Transactions
Taking health insurance from US while living in Bangladesh

I currently live in Bangladesh. My father suffers from Liver Cirrhosis. I have plans to do Masters or PhD from USA. It is recommended for my father to do liver transplant. But Currently I liver transplant is not available in Bangladesh. And in India it will cost 1-1.5 crore Bangladeshi Taka(currency), which  the cost is out of my reach. When I start PhD in US will it me permissible for me to buy an insurance for my father, take him to US and do the liver transplant and then send him back to Bangladesh? Currently I couldn’t find any Takaful Health Insurance in US. And don't know how the rest of the insurance work there might be be riba and qimar. So will it be permissible in case like this? Can I call it dire need and buy insurance for him and take him to US? Cuz without the treatment he might suffer a lot and die within short span.(May Allah give him long life)
Also suggest me if there is any halaal health insurance in USA

بسم اللہ الرحمن الرحیم

 الجواب وباللہ التوفیق

The issue of insurance is no different in the United States from other countries. It is haraam everywhere because it contains interest and gambling. It is allowed to get it only under legal compulsion. Where there is no legal compulsion, it will not be permissible to get insurance.

In case the treatment is done through insurance, you are allowed to get treatment for the same amount as was deposited in the insurance policy. 

If private treatment is unbearable, seek treatment through “oriental indigenous system of medicine using herbs and certain minerals". Or refer to a government hospital.

فقط واللہ اعلم واتم