QUOTE(seiferalmercy @ May 24 2019, 06:29 PM)
I came across one situation
years ago I had to undergo a surgery for some serious stomach issue.
I had to use my credit card first before getting admitted. Although the bill was footed by my insurance.
if I had no insurance, no credit card, I might’ve suffered greatly. By the way both the insurance and credit card was forced on me, hard to explain. Given the choice, I didnt want a credit card, insurance, or health issues. But auch is life. This is no justification, I’m just telling u instances where cc becomes important.
Yeah... Insurance is another thing.
There is no insurance in Islam. There is takaful, which works quite similarly, I think.
But, even if you are forced, quoting ustad erwandi from Indonesia, there are two scenarios you can make use of it :
1. If you don't pay/contribute anything to the premium (no cut to income), you can utilise the full coverage
2. If you pay, then you can only utilise up to the total of that salary.
In Qatar, the employers have to cover their employees. And they do it by way of insurance, therefore there is no cut to the salary. So when an employee uses the insurance, they are actually calling on the employer's responsibility to cover them.