Insurance and 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?

Q: I had a question about a friend who sells his medication called Hydrocodone pain killer. He gets it for free under his insurance and sells it to relatives and friends to be used for pain killer? What's the ruling on that? 

Q: In the place where I live, majority of the time when I posted parcels in and around the country without insuring it, the parcel hadn't reached. However everytime I insured the parcel it reached. Is the insuring permissible in this case.

Q: I would like to know if it is permissible to have a type of funeral cover, in the area I live there is a type of funeral cover that you can join at the Mosque near to you. E.g. You pay an amount of R20.00 every month so in the case you pass away then your hole at the graveyard will be paid for & any other like transporting you to graveyard, etc. But what if you pass away after 6 months & the amount you paid them is not even half the costs of your burial, etc. & if you were paying for long time already now & you are still alive then you would have paid much more then what it would actually cost to do your janaazah. Please give a detail explanation if it is permissible in Islam to have something like this & why?

Q: Please advise me on Medical Insurance, in todays expensive world it very difficult for the people in middle class to afford such huge amount of expenses towards health care.

Q: Please could you inform me what is the ruling on vehicle and property insurance with takaful? I am aware that conventional insurance is not allowed, but is it allowed if taken out with takaful? And if not are there any halaal insurance options available?

Q: If a medical aid model is proposed where one deals directly with the hospital and there is no middle man in between e.g. one pays a monthly fee and the hospital will now treat one whenever he gets sick, then will this be permissible? Can this be likened to an armed response alarm company where one pays a monthly fee to the security company to come out when there is an emergency?

Q: What is the Shar'ee ruling regarding Medical Aid and Hospital plan in Islam?

Q: Are we allowed to take out Home insurance and Life insurance?