:What should these Muslims do.?:

sachin4islam

Junior Member
Assalamu Alaikum:

Few days back father of one of my familiar Muslim was diagnosed with cancer of Parotid salivary gland. Before the diseased could notice any significant symptom of the ailment it was too late,the ailment encroached many adjacent areas. The basic investigations to be conducive about the disease and its progress are very expensive,the treatment part far exceeds costs of these investigations. Most of the Indian Muslims belong to low and low-middle economic class. There are government medical centers in every Indian district but the infrastructure in all contexts is very poor. The flow of patients to these centers significantly outnumber the actual accommodating strength of these hospitals. Private diagnostic centers and hospitals are very expensive for services they offer.

What should a Muslim do in such circumstances,when he/she is burdened by such lethal diseases.? Who will help them.? In India citizens need to personally insure themselves for lifting of financial loads in case they encounter a disease. For a Muslim in no way it is going to be Halal to get medically insured as all these insurance policies run on interest earned by the service provider companies.

And to conclude Zakat collection in India in insignificant in amount to meet the economic issues of needy Muslims. So how should Muslims combat such urgent medical issues.? Should they move ahead to get medically insured.?

May Allah (SWT) bless our Ummah with Peace,Patience and Prosperity.

Regards.
 

Aapa

Mirajmom
Assalaam alaikum,

The question you need to define is the difference between a policyholder and a shareholder. A shareholder gains profit. A policyholder uses the insurance for medical needs and emergencies.
 

sachin4islam

Junior Member
Assalaam alaikum,

The question you need to define is the difference between a policyholder and a shareholder. A shareholder gains profit. A policyholder uses the insurance for medical needs and emergencies.


When anyone who buys a medical insurance policy he/she is just buying a desired service and not the stocks. This doesn't place the buyer to the position of shareholder. In case if someone holds shares as well as buys a policy of the same or other insurance company which has been listed in stock exchange,in either of cases the person is doing haram.


Regards.
 

uniqueskates

Rabbe Zidni Illma
Asslaamualaikum.

As far as I have heard. Medical ones in India are allowed(not sure though). But Life Insurances are a Big NO NO.
But considering what you have stated as policy holders & share holders. Wouldn't the intentions of policy holders be accounted for??
Because they are getting the policies out of need. We sure don't want to do anything that is haram.
But riba is something which is tough to get away with in India, for sure. And it becomes very difficult for the low-income families without an insurance.

I hope that Allah(SWT) forgives us for the riba which we are forced to be a part of.
Please throw some light on it & also which is practically feasible.
Peace.
 

tic_tac_toe

Junior Member
Assalamu Alaikum:

Few days back father of one of my familiar Muslim was diagnosed with cancer of Parotid salivary gland. Before the diseased could notice any significant symptom of the ailment it was too late,the ailment encroached many adjacent areas. The basic investigations to be conducive about the disease and its progress are very expensive,the treatment part far exceeds costs of these investigations. Most of the Indian Muslims belong to low and low-middle economic class. There are government medical centers in every Indian district but the infrastructure in all contexts is very poor. The flow of patients to these centers significantly outnumber the actual accommodating strength of these hospitals. Private diagnostic centers and hospitals are very expensive for services they offer.

What should a Muslim do in such circumstances,when he/she is burdened by such lethal diseases.? Who will help them.? In India citizens need to personally insure themselves for lifting of financial loads in case they encounter a disease. For a Muslim in no way it is going to be Halal to get medically insured as all these insurance policies run on interest earned by the service provider companies.

And to conclude Zakat collection in India in insignificant in amount to meet the economic issues of needy Muslims. So how should Muslims combat such urgent medical issues.? Should they move ahead to get medically insured.?

May Allah (SWT) bless our Ummah with Peace,Patience and Prosperity.

Regards.


:bismillah1:

:salam2:

All kinds of insurance are impermissible but it will be permissible to take Health Insurance when a person is unable to afford the cost of healthcare and there is great and overwhelming need.

:wasalam:

:jazaak:
 

strive-may-i

Junior Member
health insurance as a private effort in a high cost system v/s an affordable universal health care system

Assalaamu Alaikum Brother,

May Almighty bless you with more energy and resourcefullness to address these problems in your sphere of influence... Ameen

You summarize a ground reality very well. System is really lacking here, in many aspects. I will be pouring out, to highlight, a bigger problem. Health Insurance alone is not really effective, in providing the cure.

So for those poor and lower middle class (ie major chunk of populace), manage to earn enough to just feed themselves. So that little extra money goes to educating their children, or for stacking up enough money to travel to work or for paying rent to house or building a house. Health takes a back seat. Between paying money for health insurance and providing healthy food for the under-nourished children ,the latter takes a precedent. You agree Health Insurance as a private effort in a high cost system. So do they really have enough money, for them it is luxury...

Health insurance as a private effort in a high cost system v/s an affordable universal health care system India a large country needs the latter.

Worldwide the most effective way to achieve this is to remove fragmented efforts and provide a universal health care system in general and primary healthcare in particular. Brazils Family health programme has been successfull in implementing good primary health care. Even china, has a wide primary health care cover. But, the rampant lethargy reported, Its not going to top the political agenda, any time sooner.

Given how the general public is taken for a ride in every other aspect, just having an health insurance alone will not help. To ensure the hospitals and insurance companies dont exploit the rights of these insurance holders is a challenge. The system should be genuinely service oriented. The key to achieving it is a good local governance, empowerment of local community (people) to take responsibility for their own health. . There is another subtle but significant change happening. The general population is increasingly less empowered to self-manage illness. And the main reason is approaching the health care system as a consumer of paid service. You step in with trouble, and you step out happy. Health is not that simple.

The fact is, there is a huge shortage of health care infrastructure. So even when insured, with just 6 doctors per 10,000 people, and much less hospital beds/clinics, the highest bidder will be given a chance to visit the doctor, not the poor in the system. The share of out-of-own-pocket expenses in total health spending is very high. So this leads to postponed treatment for minor ailments, skipped check-ups, poor post surgery care and medications. The lack of a good effective system which can triage the patients to the specialty centres on-time, has a compounding effect. The effect is lack of trust in the system, this problem is seen in developed country like US also. Its run as exploit, scam

India does present itself as the ideal destination for health tourism to rest of world. Would that money be channelized to improve the health care infrastructure for fellow citizens? The first step would be stopping the drain by the elite. There was one doctor Devi Prasad Shetty, those who worked with him say, one is not enough.

Assalamu Alaikum:

Few days back father of one of my familiar Muslim was diagnosed with cancer of Parotid salivary gland. Before the diseased could notice any significant symptom of the ailment it was too late,the ailment encroached many adjacent areas. The basic investigations to be conducive about the disease and its progress are very expensive,the treatment part far exceeds costs of these investigations. Most of the Indian Muslims belong to low and low-middle economic class. There are government medical centers in every Indian district but the infrastructure in all contexts is very poor. The flow of patients to these centers significantly outnumber the actual accommodating strength of these hospitals. Private diagnostic centers and hospitals are very expensive for services they offer.

What should a Muslim do in such circumstances,when he/she is burdened by such lethal diseases.? Who will help them.? In India citizens need to personally insure themselves for lifting of financial loads in case they encounter a disease. For a Muslim in no way it is going to be Halal to get medically insured as all these insurance policies run on interest earned by the service provider companies.

And to conclude Zakat collection in India in insignificant in amount to meet the economic issues of needy Muslims. So how should Muslims combat such urgent medical issues.? Should they move ahead to get medically insured.?

May Allah (SWT) bless our Ummah with Peace,Patience and Prosperity.

Regards.
 

strive-may-i

Junior Member
The permissibility:
Please take time out and read (TTI Threads):
Life Insurance: Haram or Halal? ( Life Insurance v/s Health Insurance )
Disadvantages of Insurance. How to win on Life Insurance? How it affects you?

What should Muslims (in particular) do?
Avoid neglecting health. Be wary of the growing junk food menace, it does not address malnourishment/malnutrition. Don't limit hygiene to home. Make hygiene, health society concern. Ask Imaam to speak about Preventive care/measures in the Jummah Khuthbah (Yes, there are capable Imaams).
Be strict to the authority (superiors). Demand their duty(work output), not just the rights. Don't limit participation in government to voting alone( one of the main reasons for failure of all nations in sub continent). Thus give back to society.

What can we do to those misleading commercial junk ads, Reports tell its spreading to remote corners of nation (without access to health care) through the idiot box. How do we stop it (clueless, I am)?!

Hope this helps brother..

Jazakallaahu Khairan for bringing it up.
 
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