Muhtaram / Muhtaramah,
As salaamu ‘alaykum wa rahmatullahi wa barakatuh,
Gap cover for medical aid is not permissible as it contains elements of Qimaa(gambling) and Ghasas(uncertainty).
And Allah Knows Best.
Darul Iftaa
Madrasah In’aamiyyah
Camperdown
South Africa