What is the ruling on compulsory health insurance, and is it permissible to defraud the insurance company to obtain medications for family members if the maximum allowed limit has not been exceeded, and will repentance be accepted if fraud occurred and the money was unlawfully acquired and cannot be returned?
The ruling on insurance depends on its type:
1. Commercial Insurance: This type, which is based on (excessive uncertainty) and gambling, is forbidden. It is not permissible to participate in it voluntarily. However, if one is compelled to participate, they may take from it only what they have contributed. 2. Cooperative Takaful Insurance: There is no harm in this type, and it is permissible to benefit from what it provides. However, it is absolutely impermissible to defraud it, such as claiming medications for family members if they are not covered by the insurance. Whatever is taken from it by deceit is forbidden and must be returned to the insurance entity.
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