What is the ruling on working as a doctor in the third-party claims department of a general insurance company, and providing medical consultations to other insurance companies, in the context of determining compensation for those injured in traffic accidents?
Commercial insurance in all its forms is forbidden (). However, it is permissible to deal with it if one is compelled to do so, such as mandatory car insurance or health insurance for employees, or if one is forced into it due to an urgent need for medical treatment, with the sin falling upon the compelling authority.
As for working in commercial insurance companies or providing consultations to them, it is forbidden (haram) because it involves direct engagement in prohibited contracts or assisting in them, in accordance with the Almighty's saying: ﴿And cooperate in righteousness and piety, but do not cooperate in sin and aggression.﴾ There is no harm in writing reports about injuries for those affected in a private clinic.
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