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The ruling on cooperative and medical insurances

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Question:

My health insurance is the cheapest government insurance that is offered to low income families. It is based off of my mother’s income. Without it, paying for my medication would be very difficult since it’s very expensive. Is this permissible? May Allah reward you with good.

Zaynab El-Kateb:

If this is a commercial insurance then it is prohibited. The only type allowed is the cooperative insurance. A group of people or an organization cooperate to allocate an amount of money to be used to treat and buy medication for members. The whole amount of money is spent on the treatment of members. No profit. Accordingly:
If this is not the case, and you pay money without knowing how much you will benefit from it and the rest will go back to the organization as a profit, this is haram, not allowed.

Allah says in Surah At-Talaq:

و من يتق الله يجعل له مخرجا و يرزقه من حيث لا يحتسب

Anyone who is pious to Allah, Allah will make a way out for him and will give him provision from a source never occurred to him.

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