Is It Permissible to Use Employer-Provided Health Insurance If It Has No Affordable Alternatives?
Hanafi Fiqh
Answered by Mawlana Ilyas Patel
Question
Is it permissible to use employer-provided health and dental insurance if it reduces financial strain and has no affordable alternatives?
Answer
I pray you are in good faith and health. Thank you for your question.
You can take advantage of health and dental insurance provided by your employer, which is not deducted from your salary, easing financial strain on you and your family.
Generally, any kind of insurance is prohibited. However, you are permitted to use the provided facility since you do not have an agreement with the insurance company; your employer handles it and pays the premium itself. Also, the legal maxim is clear: “Necessities permit the prohibited.”
[Hamawi, Ghamz ‘Uyun al-Basa’ir Fi Sharh al-Ashbah Wal-Nadha’ir; Rada-al-Haq, Fatawa Darul Ulum Zakariyya]
I would like you to go through the valuable answers and links below. In sha Allah, you will receive guidance and direction.
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I pray this helps with your question.
Wassalam,
[Mawlana] Ilyas Patel
Checked and Approved by Shaykh Faraz Rabbani
Mawlana Ilyas Patel has received a traditional education in various countries. He started his schooling in the UK and completed his hifz of the Quran in India. After that, he joined an Islamic seminary in the UK, where he studied secular and Aalimiyya sciences. Later, he traveled to Karachi, Pakistan, and other Middle Eastern countries to further his education. Mawlana has served as an Imam in the Republic of Ireland for several years and taught the Quran and other Islamic sciences to both children and adults. He also worked as a teacher and librarian at a local Islamic seminary in the UK for 12 years. Presently, he lives in the UK with his wife and is interested in books and gardening.
