Fatwa No : 80420
Ruling on obtaining insurance policies and performing haj/umrah from funds received there-on

Ruling on obtaining insurance policies and performing haj/umrah from funds received there-on

What do the scholars and learned muftis say about the following issue? Is it permissible to involve in a common insurance policy to insure one's life, car, or house, etc.? And is it permissible to perform Hajj and Umrah, etc., with the money earned from this? If someone does this good deed, will it be accepted or will the money and journey, etc. be wasted? Please explain.

الجوابُ حامِدا ًو مُصلیِّا ً

The prevailing conventional insurance policies ares a combination of usury and gambling, which is unlawful and forbidden according to Sharia. Since the money obtained (in addition to the principal amount) is forbidden, it is unlawful to perform Hajj with it or to invest it in other good deeds or one's own needs, etc. Rather, it is obligatory and necessary to give this money in charity without the intention of reward. However, if someone has already performed Hajj with this money, although the obligation will be waived from his responsibility, he will not receive reward because it is not accepted.

مأخَذُ الفَتوی

ففي معارف السنن: من ملك بملك خبیث ولم يمكنه الرد إلى المالك فسبيله التصدق على الفقراء اھ(۱/ ۳۴)۔
وفي حاشية ابن عابدين: رجل دفع إلى فقير من المال الحرام شيئا يرجو به الثواب يكفر اھ (2/ 292)۔
وفي الدر المختار: وقد يتصف بالحرمة كالحج بمال حرام اھ(2/ 456)۔
وفي حاشية ابن عابدين: (قوله كالحج بمال حرام) كذا في البحر والأولى التمثيل بالحج رياء وسمعة، فقد يقال إن الحج نفسه الذي هو زيارة مكان مخصوص إلخ ليس حراما بل الحرام هو إنفاق المال الحرام، ولا تلازم بينهما، (إلی قوله) مع أنه يسقط الفرض عنه معها ولا تنافي بين سقوطه، وعدم قبوله فلا يثاب لعدم القبول، ولا يعاقب عقاب تارك الحج. اهـ (2/ 456)۔ واللہ أعلم بالصواب!