Insurance and Medical aid

Q: What is Mufti Sahebs view on hospital plans keeping in mind the cost of using the hospitals these day?

Q: We have recently found out that medical aid and insurance are not permissible and cancelled ours. We have recently opened a tyre fitment centre. The department of labour have requested us to enter our staff on the system, we did plan on doing so however found out now that they have to have an insurance as their job here entails a risk so if we put them on the system they will be insured and if we don't we could be in trouble with the department of labour.

Q: What is the ruling on Optional Health cover through work for both myself and family? The provider is Bupa. I would be paying a fixed cost a month around £100 a month to cover my family or £50 to cover myself only that. Please could you clarify if the above would be permissible?

Q: I wanted to ask if life insurance is haram and why?

Q: I have to get mandatory insurance for medicine from my work place. Due to this I have the minimum amount. I have used it once it saved me 100$ on medicine. Allhumdulilah I have not needed it again. My mom is a Diabetic, she pays a lot of money close to 150$ For her pills. I will save her close to 80% if I put her on my mandatory health insurance at work. I wanted to know if it's allowed. I probably will have to pay a bit more every month by 1 to 2 dollars not worried about that. Just wanted to know if it's permissible?

Q: Is it permissible for Muslims to use the health benefits offered by the employer via an insurance company?  The employees fill the forms of the insurance company and send them to the health department. Nothing extra (regarding health insurance) is deducted from my salary. My salary, as per contract, is fully provided to me. Is it permissible for me to use these health insurance benefits?

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: 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: 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?