Question
Roshmed medical aid is a scheme run by Muslims in Lenasia. Is it permissible to join this medical scheme? I was told that it is a halaal alternative to the non-Muslim medical aid schemes.
Answer
The following letter written by Jamiatul Ulama Gauteng to Roshmed, adequately answers your question:
"Your medical scheme is the same as all other haraam medical schemes. Fundamentally, the scheme is insurance. Payments are compulsorily made on a regular basis, and benefits in lieu of the payments are suspended on future uncertain events.
The factors which render your scheme haraam have been discussed and explained in detail in two books authored by the Mujlisul Ulama of S.A. If you have these books, you will find the reasons therein for your medical scheme being haraam. If you do not have these books, and if you are interested to know why your scheme is not permissible, do let us know. We shall arrange for the books to be delivered to you, Insha-Allah.
Should you disagree with the view we have expressed, please state the specific basis for your disagreement to enable us to respond.
The claim that payments or part thereof are 'donations' is a palpable canard. There is nothing altruistic in your medical scheme or in any other similar scheme. It is purely an exploitive, money-making scheme which is haraam."
Roshmed medical scheme is a haraam insurance scheme.
- Source
- themajlis.co.za
- Published in
- The Majlis Vol 23 No 04
- PDF page
- 5
Appears under ROSHMED MEDICAL SCHEME (approximate).