if the f/f is halaal or haraam:

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1. Can you please advise me if the f/f is halaal or haraam:

– Medical aid

– Retirement Annuity fund

– Pension fund

– Provident fund,

if not could you please advise me if there is halaal medical aids.RAFs,pensions and provident funds.

2. I heard that there is halaal insurance called tafakul-is it really halaal.





Muhtaram / Muhtaramah


In the Name of Allāh, the Most Gracious, the Most Merciful.

As-salāmu ‘alaykum wa-rahmatullāh wa-barakātuh.

  1. All conventional provident pensions and RAF contain elements of gambling and interest. Therefore they are not permissible. No funds as yet have been approved by the Darul Iftaa.  
  2. After its thorough research, the Darul Iftaa has concluded that takaful is not Shariah Compliant.

And Allah knows best


Darul Iftaa, Madrassah In’aamiyyah

  • The Sharée ruling herein given is specifically based on the question posed and should be read in conjunction with the question.
  • The Darul Ifta bears no responsibility to any party who may or may not act on this answer. The Darul Ifta being hereby exempted from loss or damage howsoever caused.
  • This answer may not be used as evidence in any Court of Law without prior written consent of the Darul Ifta.