Insurance and Medical aid

Medical insurance

Q: I live in a country (Saudi Arabia) where medical facilities are very expensive without insurance. My employer has provided me medical insurance but it is not from good company. Can I buy medical insurance myself? One Dr Consultation is 300 riyal where as medical insurance from best company for whole year is only 750 riyal and my salary is only 4000 riyal. And also I'm going through an illness from long time. Please guide.

Takaaful

Q: I am in confusion. I am worried that this confusion does not lead me to the wrong path. I have got job in takaaful insurance company named as jubilee insurance company in Pakistan. I have watched a lot of videos about Takaaful insurance and have read a lot of literature regarding this case. Many Aalims said that it is halaal in Islam but I could not find any satisfactory answer.

1. Is working in a takaaful insurance company Haraam or Halaal?

2. If I spread this takaful business, then is it good for Muslim Society?

Insurance

Q: I want to pursue general insurance course and work in Muslim countries like Saudi Arab, Dubai, Oman, Kuwait. Is it Halal to pursue and work in insurance co, in Muslims countries? I don't pursue Life insurance because I know it is haraam. I want to know about general insurance because there is many insurance companies in Arab countries owned and operating by Arab Muslims. If it is haraam then how is it allowed in Arab countries?