have to pay R6000 per month.

Who other than the wealthy can

afford this excessive and exploitive sum?
(12) The term medical aid is a misnomer and highly
deceptive. Medical insurance does not provide any aid. The
vast majority of members lose the greater portion of their
premiums. A very few who suffer chronic diseases generally
benefit.
(13) Sheikh/Molvi/Mr. Karaan and Mr.Shuaib Omar seeing the
term medical aid have attempted to bamboozle the ignorant
public into believing that medical insurance is a scheme with
altruistic ideals. People are tricked into the belief that medical
insurance provides medical aid. This wild claim is furthest from
the truth. Either the two gentlemen are shockingly ignorant of
medical insurance due to their extremely defective research or
they have endeavoured to deliberately pull wool over the eyes
of the people who have no understanding of the exploitive
measures and haraam methods employed by medical insurance
schemes.
(14) Approximately 80% of the population of the country is
without medical insurance cover.
(15) Medical insurance is Haraam. The elements of
prohibition in terms of the Shariah are Qimaar (gambling),
Riba (interest) and a plethora of faasid (corrupt and invalid)
stipulations which render the medical insurance contract
totally null and haraam.

BY:
Mujlisul Ulama of South Africa
PO Box 3393, Port Elizabeth, 6056, South Africa

MEDICAL INSURANCE IN A NUTSHELL

(1) Medical insurance is a contract between two parties,
namely, the medical insurance entity and the buyer of medical
insurance, who pays monthly premiums.
(2) The monthly premium for an adult is approximately
R2,000.
(3) 25% of the premium, i.e. R500 is deposited in a special
savings account called MSA (Medical Savings Account) which
is opened in the name of the premium-payer. Although the
premium-payer cannot draw cash from his savings account, he
nevertheless is the owner of the credit balance which there may
be in his MSA.
(4) 75% of the premium, i.e. R1500 is acquired by the medical
insurance scheme for its expenses which consist of * Solvency
Build * Claims of patients *Administration costs * Broker
fees *Bad debts * Etcetera (The latitude of this etcetera is
extremely wide. The few at the helm only know the actual
meaning of this etcetera).
(5) The medical scheme by virtue of the insurance contract is
obliged to provide a minimum of medical benefits (PMB
Prescribed Minimum Benefit). After it has provided the PMB,
if more medical benefit is required by the patient, the medical
scheme will pay for it from the members savings account
(MSA). If the savings too are exhausted, medical benefit
terminates. The medical insurance will then not provide further
medical benefit until the next year or until the member pays a
substantial cash amount of a few thousand rands into his MSA.
In most cases, the MSA savings are used up during the course
of the year.

(6) If a member remains healthy, then he loses everything.

While most members lose 75% minus the prescribed minimum
benefit, the healthy member loses a full 75% of his premiums.
The medical fraternity has coined an adage in this regard:
What you dont use, you lose. However, the problem which a
healthy person faces is that if he is desirous of using his money,
he will have to break the bones in his body to enable himself to
be hospitalized. This will qualify him to recoup some of the
money he has earmarked for loss within the haraam deal.
(7) The medical insurance entity levies a penalty for latejoiners. A person who joins at the age of 35 and over, is
penalised up to a 75% increase in the monthly premium. This
means the premium could be as high as R3500 per month.
(8) The medical insurance also prescribes a waiting period
before paying medical benefit to a patient. This is a period of
up to 12 months in which the member has to pay regular
monthly premiums without being entitled to benefits.
(9) Despite being a regular payer of premiums, the medical
insurance also requires members to make a co-payment which
is a portion of the cost of the medical benefits. The member has
to incumbently pay the co-payment from his pocket despite
the fact that he has a credit balance in his MSA. He is not
allowed to pay it from his own money in the MSA.
(10) If a member defaults in his monthly payments he forfeits
even years of payments, and he loses all entitlement to medical
benefit.
(11) Medical insurance besides being haraam, is available to
only the wealthy. A man with his wife and 3 minor children