ISLAMIC HEALTH INSURANCE-MEDICAL TAKAFUL

What is an Islamic Health Insurance ?

Islamic health insurance, commonly referred to as Medical Takaful, is a Shariah-compliant system of health protection where participants contribute money into a pooled fund to cover medical expenses.

Medical Takaful is based on the principle of mutual assistance (ta’awun) and shared responsibility; the fund is managed according to Islamic principles, ensuring that contributions and benefits are free from riba (interest), gharar (excessive uncertainty), and activities prohibited under Shariah.

In the Islamic health insurance, each participant agrees to donate (tabarru’) part of their contribution to help fellow members in need. For example, when a participant faces hospitalization or medical treatment costs, the expenses are covered from the collective pool.

This cooperative model ensures that risk is shared among all members rather than transferred to a single insurance company, aligning with the ethical values of solidarity and fairness.

What health risks are covered by a medical Takaful ?

A Medical Takaful scheme typically covers a wide range of health risks, similar to conventional health insurance, but structured under Shariah principles. The exact scope depends on the operator and plan, but the main categories are:

1. Hospitalization and Inpatient Care

- Costs of hospital stays (room, board, nursing)

- Surgeries and operating theatre fees

- Specialist consultations during admission

- Intensive care unit (ICU) charges

2. Outpatient and Medical Treatment

- Doctor consultations and clinic visits

- Diagnostic tests, laboratory work, X-rays, scans

- Prescribed medicines and pharmacy expenses

3. Emergency and Critical Care

- Emergency room treatment

- Ambulance services

- Coverage for critical illnesses (e.g., cancer, heart disease, stroke) depending on the plan

4. Maternity and Family Care (in many plans)

- Prenatal and postnatal care

- Child delivery (normal or cesarean)

- Newborn care and vaccinations

5. Other Benefits (depending on scheme)

- Dental and optical treatments

- Day-care surgeries

- Rehabilitation and physiotherapy

- Overseas emergency medical assistance (in some international takaful plans)

Which Islamic health care companies offer Islamic medical cover ?

Here’s a list of Islamic health / medical Takaful providers worldwide:

- UAE
  - - Salama (Islamic Arab Insurance Co.)
  - - Watania (National Takaful Company)
  - - Abu Dhabi National Takaful Co. (ADNTC)

- Saudi Arabia
  - - Al Rajhi Takaful
  - - Weqaya Takaful Insurance & Reinsurance

- Bahrain
  - - T’azur Company

- Malaysia
  - - Etiqa Insurance & Takaful
  - - Zurich Malaysia (Takaful division)
  - - Takaful IKHLAS
  - - Syarikat Takaful Malaysia Keluarga Berhad

- Indonesia
  - - Prudential Syariah Indonesia (health takaful)
  - - Allianz Syariah Indonesia (health protection)

- Pakistan
  - - Pak-Qatar Family Takaful
  - - Jubilee Family Takaful
  - - Dawood Family Takaful

- Qatar & Kuwait
  - - Qatar Islamic Insurance Company (QIIC)
  - - Kuwait Finance House Takaful arm

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