FUNDAMENTALS OF ISLAMIC CREED
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The term ‘medical aid’ is a misnomer and highly deceptive. Medical insurance does not provide any aid. The vast majority of members lose the greater portion of their premiums. A very few who suffer chronic diseases generally benefit.
Approximately 80% of the population of the country is without medical insurance cover.
Medical insurance is Haraam. The elements of prohibition in terms of the Shariah are Qimaar (gambling), Riba (interest) and a plethora of faasid (corrupt and invalid) stipulations which render the medical insurance contract totally null and haraam.
Kutub Khana Ishayat-ul-Islam