Medical insurance

Q: I am a new Muslim and I had a medical insurance which I took before I became a Muslim which I am still paying. I have a medical condition in my heart which recently my insurance had covered the medical expenses when I needed it, since I didn't have any other means to pay for it at that particular time. Is medical insurance haraam?

Mazi

Q: When I was in the first stage of sleep I had some sexual thoughts and after few minutes I slept completely with no wet dream but I felt wetness after I woke up, so ghusl is waajib on me or not due to those dirty thoughts?

Compulsory provident fund

Q: Alhamdulillah, I have been offered employment. However, I am concerned as according to the contract and information from the human resources department, it is compulsory for me to belong to the company's current provident fund. This fund also includes a contribution towards life and disability cover. My questions are as follows: 1. Is it permissible for me to accept the employment contract? 2. If I may accept the contract, what would I do if the fund either pays me or my dependents? May I give the returns (interest, insurance benefits) to the poor and keep the capital investment (my contribution and the employer's contribution) for myself?

Delaying the witr Salaah

Q: My question is about witr Salaah:

1. After performing Esha Sallah at 8.00pm, can I delay my Witr Salaah till 11.00 pm(my sleep time)?

2. Can I combine Tahajjad and witr at the above mentioned time?

3. What will be my last Salaah before I go to sleep, Tahajjad or witr?