{"id":1015,"date":"2016-04-12T03:49:35","date_gmt":"2016-04-12T03:49:35","guid":{"rendered":"http:\/\/fatwa-tt.com\/?p=1015"},"modified":"2017-11-08T23:37:00","modified_gmt":"2017-11-09T03:37:00","slug":"is-student-insurance-permissible","status":"publish","type":"post","link":"https:\/\/fatwa-tt.com\/index.php\/is-student-insurance-permissible\/","title":{"rendered":"Is student insurance permissible?"},"content":{"rendered":"<p style=\"text-align: justify;\"><span style=\"color: #000000;\"><strong>Question:<\/strong><\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Dear Mufti Sahab,<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">My wife is studying in the US and as per the legal \/ government requirements, she is required to have insurance. The cheapest form of insurance that is available to her is student insurance.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Under the student insurance, there are two types available:<\/span><\/p>\n<ul style=\"text-align: justify;\">\n<li><span style=\"color: #000000;\">Basic insurance<\/span><\/li>\n<li><span style=\"color: #000000;\">Enhanced insurance<\/span><\/li>\n<\/ul>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Under the basic insurance, she will have to pay 50% of the medical expenses (50% will be paid by the insurance company) and under the enhanced insurance, she will have to pay only 20% of the medical expenses (80% will be covered by\u00a0the insurance company).<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">The difference for the monthly premium or the monthly installment between the basic and enhanced insurance is very nominal i.e. enhanced insurance will cost only USD 60 extra per month.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">My questions are as following:<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">1) In her situation, is it allowed for her to take insurance since it is something that is required by the legal requirements.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">2) Can she take the enhanced insurance (since the cost towards it is nominal and the benefits are much\u00a0greater) or she is only allowed to take the basic insurance.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">JAZAKALLAHKHAIR<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\"><strong>Answer:<\/strong><\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\"><strong>In the Name of Allah, the Most Gracious, the Most Merciful.<\/strong><\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\"><strong>As-sal\u0101mu \u2018alaykum wa-rahmatull\u0101hi wa-barak\u0101tuh.<\/strong><\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">It is clear from your query that you understand that conventional insurance is prohibited and that one may be excused if it is required by law to take out insurance.<a style=\"color: #000000;\" href=\"#_ftn1\" name=\"_ftnref1\">[1]<\/a><\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">The legal requirement will be fulfilled through taking out basic insurance.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Accordingly, if not mandatory, it is not permissible to take out enhanced insurance.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\"><strong>And Allah Ta\u2019\u0101la Knows Best<\/strong><\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\"><strong>Mufti Arshad Ali<\/strong><\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\"><strong>Darul Iftaa, Jaamia Madinatul Uloom (Trinidad)<\/strong><\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\"><a style=\"color: #000000;\" href=\"http:\/\/www.fatwa-tt.com\"><strong>www.fatwa-tt.com<\/strong><\/a><strong> \/<\/strong><a style=\"color: #000000;\" href=\"https:\/\/fatwa-tt.com\/2016\/04\/06\/does-acts-of-isaal-e-thawaab-benefit-both-the-sender-and-the-recipient\/www.jaamia.net\"><strong>www.jaamia.net<\/strong><\/a><\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\"><a style=\"color: #000000;\" href=\"#_ftnref1\" name=\"_ftn1\">[1]<\/a> \u0641\u062a\u0627\u0648\u0649 \u0645\u062d\u0645\u0648\u062f\u064a\u0629\u060c \u062c16 \u0635387\u060c\u0627\u062f\u0627\u0631\u0629 \u0627\u0644\u0641\u0627\u0631\u0648\u0642 \u0643\u0631\u0627\u0634\u064a<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"color: #000000;\">Contemporary Fatawaa \u2013 Mufti Muhammad Taqi Usmani (pg 187)<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Question: Dear Mufti Sahab, My wife is studying in the US and as per the legal \/ government<\/p>\n","protected":false},"author":1,"featured_media":1601,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6,17],"tags":[],"class_list":["post-1015","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-contemporary-law","category-money-and-finance"],"_links":{"self":[{"href":"https:\/\/fatwa-tt.com\/index.php\/wp-json\/wp\/v2\/posts\/1015","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fatwa-tt.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/fatwa-tt.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/fatwa-tt.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/fatwa-tt.com\/index.php\/wp-json\/wp\/v2\/comments?post=1015"}],"version-history":[{"count":0,"href":"https:\/\/fatwa-tt.com\/index.php\/wp-json\/wp\/v2\/posts\/1015\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fatwa-tt.com\/index.php\/wp-json\/wp\/v2\/media\/1601"}],"wp:attachment":[{"href":"https:\/\/fatwa-tt.com\/index.php\/wp-json\/wp\/v2\/media?parent=1015"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fatwa-tt.com\/index.php\/wp-json\/wp\/v2\/categories?post=1015"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fatwa-tt.com\/index.php\/wp-json\/wp\/v2\/tags?post=1015"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}