Interest and Gambling

Q: If a person has a disease such as HIV/AIDS and cannot afford the medication (1000$/month). Is it permissible to get insurance or use insurance benefits from work that one pays for in part?

Q: From Islamic point of view is it allowed to use the interest received on the money from a bank?

Q: I understand that we are not supposed to have medical aid however in the United States, the people who have low income, the government provides for them medical benefits, that is if a united state citizen who has no job or has a low income if he applies for medical aid then the Government will take it upon themselves to see to his physical and medicinal needs. So will it be permissible for a Muslim to apply for this type of medical aid?

Q: My question is regarding life insurance for about $300,000 in my name, after I die this money will go to my wife and child and they can buy a house and live a comfortable life. Please advise me on this?

Q: Is it haram if someone makes a contract and in the contract it says that they will give someone something for free, but it also says in the contract that if the person that gets the free thing breaks the terms and conditions of the contract or cancels once the free thing that is being given starts to be installed then they will be asked to pay for it and also if they break the contract and are asked to now pay for the free thing and they do not pay for the free thing when the money is asked from them then interest will be charged on the money they would owe? Is that a haram interest contract to ask someone to sign? 

If it is, what should someone do with the money they have made and saved from doing a job that involved witnessing and asking others to sign up to a interest contract like this one? What should a person do if the company they worked for doing this for are due to pay him money from past contracts that the person signed others into?

Q: John's car collided with Zaid's car injuring Zaid. John's insurance company pays Zaid as compensation for his injuries. Is it permissible for Zaid to accept this payment and benefit from it -- keeping in mind that insurance companies make money through gambling and interest?

Q: I'm a 22 year old graduate student studying for my Master's in Physiology. I live in Cleveland, Ohio, USA and I was wondering if someone would be able to answer my question. I'm currently $124,000 in debt due to government loans, which charge interest. I was under the impression that under situations of necessity, the haram becomes halal, however I recently found out that the definition of "necessity" means life or death. I took out the loans so that I could complete my bachelor's and master's degrees. I'm planning on going to medical school in Fall 2014 and I will be required to take out even more loans (with interest). I found out that there's a military service program (HPSP - health professions scholarship program) for medical students in which the military will pay all tuition and fees, along with a monthly stipend, but will require 4 years of military service as payback. This will mean I will have to live without my family for months at a time. I'm planning on doing this program so that I do not have to take out further riba-based loans, and so that I can begin to pay off my current loan with my monthly stipend. However, there are other non-military programmes out there as well, but they will only forgive my loan after 10 years, which means I will be paying interest for at least 10 years. Also, there are some residency programmes that offer signing bonuses and partial loan forgiveness that might reduce the time required to pay off my debt to 3-5 years. Dropping out of medical school doesn't seem like a good option since I will end up paying the interest on my loan anyway. Any career besides medicine will most likely pay less, and thus take longer to pay off my loan (resulting in more interest). In the meantime, is there anything else I should do? I don't come from a wealthy family, and there are hardly any interest-free student loans offered for regular middle-class families. I guess, I can only keep asking for Allah's forgiveness and pray for a way out of this debt.

I'm sure there are many other Muslim students in America in my situation. I appreciate any answer. 

Q: I have an account with absa and one with Standardbank. I receive interest from one account because of excess funds and from time to time I am charged interest from the the other bank. For example, this past few months, I received interest of R500 from Absa but I was charged to pay interest to Standard bank to an amount of R600. My question is: Can I offset it from the interest that I was given by another bank?

Q: I am a married woman with two very young boys and a husband. I bought a flat before I got married and have a mortgage on it. So of course interest is involved. If I rent, I will not be able to afford it as I live in london and rents can be as high as 1000-1300 pounds a month on a two bedroom flat, which is what I would need with my boys. My husband and I both work 3 days each but my husband has been off sick for most part of this year so he gets a minimal wage each month. Statutory sick pay I think. In this case I need to know what to do Islamically. Do I continue paying my mortgage and ask Allah Subhana wa ta'aala for forgiveness? I wanted to sell it and try to buy a house as its not big enough for my family. I can try to get a re-mortgage on this flat and extend it or sell it and try to buy a house rather than a flat. This is really bothering me because I don't want a war with my creator.

Q: Is it permissible to take part in a competition where you have to buy an item and they ask you to sms a secret code inside the wrapper? Will this be regarded as gambling as you are paying towards the competition due to the fact that you first have to buy the item although it is selling at the normal price?