Insurance and Medical aid

Q: Is medical aid and hospital plans permissible. In our town we have a government hospital and a private hospital. The government hospital's services to the sick is free and at private hospitals the fees are exorbitant starting at around one hundred thousand. I have never been on medical aid. In the past year I have become sick and now have serious medical conditions. I visited the private doctor recently and he diagnosed that my kidneys are failing. The doctors could not further attend to me or operate as I have no money to pay nor medical aid. They are requesting around seventy thousand rand from me for a start. If I don't do the operation, my kidneys will fail and the result is death. I cannot go to the government hospitals as many people who had operations at these hospitals came out worse than they were before they went in. A friend of mine had leg pains and went to the government hospital and had an operation done. When he came out he walked on crutches till he died and claimed that the hospital destroyed his legs as the government hospitals have young doctors from third world countries. Another friend had a pain in his foot. He also went to the government hospital and they operated on his feet. When he came out he couldn't walk for years as his feet were worse and he could not bend his toes at all. He had to sit on a chair for Salaah. I am worried if I go the same way as they have done, I will be more sick than I am and if I had medical aid then I could have used it to go to private hospitals. Please advise.

Q: Is it permissible for one to take out a policy to insure one’s house or car? The contract that one signs obligates him to pay monthly premiums in exchange of the payout that he will receive in the event of a burglary or hijacking.

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?

Q: Can one insure work vehicles and install a tracking device for protection of business assets?

Q: I purchased a business and wish to insure it. What is the Shar‘ee ruling regarding insuring one’s business? Similarly, explain the law of insuring one's vehicle.

Q: Can we buy a health plan? We have to pay a premium on a monthly basis and the plan covers certain types of medical expenses upto a limit.

Q: I want to find out the fatwa or the ruling regarding medical aid and hospital plans. Is it acceptable or not?

Q: Is Health insurance policy, life insurance policy etc is permissible in Islam? Kindly send some reference of hadith and Quran also.

Q: If a person pays for a flight overseas with his credit card, the bank provides free travel insurance. Will it be permissible to use a credit card (which he keeps in positive balance so as not to get involved in credit but to get a good credit record) to purchase his flight tickets with the card with the intention of getting the insurance? If not paying with the credit card he would have to use cash or a debit card anyway.

Q: A young man gets a car from his father. The car is registered on the father's name though. The father takes out insurance on the car against the young man's wishes. The young man meets in an accident costing 50 000 for the panel beaters. Now he has to claim from insurance since that's what the father had been paying for etc. Later, the cars window gets broken, the young man wants to pay for it with his own money to avoid getting involved in haram insurance, the father gets it repaired with insurance. Through this the young man had to become involved in the transaction because he had to take the car in, get quotes etc, because it's his car, would his involvement in this respect be sinful? What should he have done otherwise