Ruling of Working a s a Claims Assessor/GP in a Health Insurance Company
Fatwa No: 540081

Question

i want to ask whether it is permissible to work as a doctor at AlKoot Insurance Qatar. this is the job description for the role ill have there.A skilled Claims Assessor/GP to evaluate and process medical claims efficiently while ensuring compliance with policies. Job responsibility:Process claims within set turnaround times.Ensure compliance with policy and regulatory standards.Notify patients/providers of claim status.Identify and report suspected fraudulent claims

Answer

All perfect praise be to Allah, The Lord of the Worlds. I testify that there is none worthy of worship except Allah, and that Muhammad is His Slave and Messenger.

The default ruling is that working as a physician who assesses such requests for an entity operating in a permissible field is lawful, so long as you have the competence and experience for it.

It appears to us that you are asking about working for a health insurance company, as a reviewing physician for the requests received regarding insurance coverage of certain medical conditions covered by the company, verifying whether the medical condition meets the insurance criteria, and detecting and reporting fraud. If your situation is what we understood from the question, and the company is a commercial insurance company, then the default ruling is that cooperating with it is forbidden, because it is cooperation in sin and transgression.

Accordingly, we do not consider it permissible to work for it in the said role, because this assistance is part of the company's operations, and without it, the company would struggle to continue its activity.

Allah Knows best.

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