Fatwa No : 29804
in South Korea. Here health insurance in mandatory

in South Korea. Here health insurance in mandatory

I am a student here in South Korea. Here health insurance in mandatory. Every month, we have to pay about $50 for it. I want to ask about its Jawaz/Hurmat. Furthermore, if it is allowed due to necessity, then what are its limitations? I mean, can we avail only up to the amount we deposited or more than that? It should be noted that treatment is very expensive over here, especially in case of child birth etc. Similarly, the law does not permit to have self-medication or remain without any treatment.

الجوابُ حامِدا ًو مُصلیِّا ً

If medical insurance in mandatory and there is no other alternative, then due to this compelling situation, it is permissible for one to apply for medical insurance. However, it is only permissible for the policy holder to benefit from the amount of money that he has deposited in the insurance company. It is not permissible for him to make use of more than this amount, which must be avoided.

مأخَذُ الفَتوی

ففي فقه البيوع: اما الشركات التي تتمحض التامين الاشياء أو المسؤليات (إلی قوله) فان شركة التامين تدفع إلى صاحبها قيمتها أو قيمة اصلاحها نقداً و ذلك مقابل اقساط التامين، فان هذا العقد فيه ربا. فلم يبق من المحكوم عليه بالحلال في أموال الشركة الارأس المال وحينئذ صارت اموال الشركة مخلوطة بالحلال والحرام اھ (۲/۴۴۵) والله اعلم بالصواب