Insurance and Medical aid

Q: Is travel insurance permissible in Islam, if it is optional or required?

Q: My husband and I were planning on taking a trip to Istanbul, Turkey. We considered it as it is a Muslim dominant location and we wouldn’t have to worry about halal food and would get to visit mosques and for how beautiful it is. However there are two issues:

1. Turkey has a mandate of a travel insurance or health insurance in order to travel to Turkey without which they do not approve of the visa. What should be done in this case? 

2. Back when covid was rampant and vaccination was being made compulsory, I have made a fake certificate. This was done because the vaccine was beeen given mandatorily without it being tested sufficiently. Many people did the same to avoid harm that could be caused due to the vaccine. Now mostly all countries do not require the vaccine certificate but they do sometimes ask for it. What should I do? I cannot get an actual vaccine because the system thinks I have had it already. Plus, post vaccination a lot of people have suffered and some say it is attributed to the vaccine and I don’t want to get vaccinated. Should I just show the fake certificate I have?

Q: We have a tyre business which is a Dunlop franchise, they have this tyre insurance for the customers. Any damage to the tyre and they send a replacement after doing their tests. They charge us R10 per tyre for this which I pass onto the customer.

I add it to the cost and then add my markup. I tried getting out of this but it’s compulsory from their side.

How should I handle this… Is it permissible?

Should I add my markup first then the R10. Because my intention is not to make money on the insurance…

Q: Is funeral cover permissible in Islam?

Q: A person's estate may be liable to pay more than 10 million in estate duty.

In order to avoid this, is it permissible to have an insurance policy that will, upon his death, pay out only whatever the estate duty amount is? No money from this will be received by the heirs.

Q: "I've been informed by my Muslim friend, an Israeli citizen, that according to the Mashaaikh in Palestine (Israel), participating in Clalit Health Services is considered permissible. Clalit is a health maintenance organization where members pay a fixed monthly fee for comprehensive healthcare coverage. Considering this structure, I seek further clarification and alignment with Islamic principles.

Additionally, is the model of Clalit Health Services similar to that of medical aid commonly seen in other places, or are there significant differences that I should be aware of? I kindly request insights on this matter, and if further research is necessary for accurate understanding, it would be appreciated if you could provide guidance on the key aspects to explore."

Q: Is it permissible to engage the services of an individual or a security company that extends a commitment to safeguard my vehicle, with assurances of either replacement or compensation equivalent to its value in the event of damage or destruction?

Q: Please can you advise on the verdict regarding travel insurance. We understand all forms of insurance are not permissible, however I did notice that on the Hajj and Umrah packages there is mandatory travel insurance. Please can you advise what is to be done in this situation?

On the same subject, is it permissible to hire a car? There is also an insurance clause in the fine print of the agreement that needs to be signed before hiring.

If there are alternatives to the above that Ulama and others use when going for hajj/umrah please also let me know what these are.

Q: If someone knocks your car and the it will cost you R15 000 to repair but you claim R30 000 from that person's insurance company but because of time you repaired it on your own and then the insurance company ends up paying you R25 000. Can you take the money?

Q: I have a question regarding to state life insurance company whether the health insurance of this company is halaal or haram.

My 2nd question is that my parents took a loan from a insurance company about 1 lac. Now they are going to do sadaqa/aqeeqah of a cow from this money. Is this is valid?