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Fatwa CenterGetting health insurance in the name of another person
Question
is it permissable to have perscription medication written in the name of another person who has medical insurance that will cover the cost of the medication, but the medicine is not for the person with insurance?
Jazzakum Allah Khair
Answer
All perfect praise be to Allaah, The Lord of the Worlds. I testify that there is none worthy of worship except Allaah, and that Muhammad 
is His slave and Messenger.
If this health insurance is a cooperative insurance, then its conditions should be fulfilled and it is not permissible to cheat in order to get the medicine in the name of another person. However, if this insurance is a commercial one and not a cooperative one, then this insurance is not permissible in principle because of the deceit that is in it as we previously clarified in Fatwa 82599.
Nonetheless, if a person is obliged to participate in this system, it is permissible for him to benefit from it only according to the amount that he had paid even by using the trick which you mentioned in the question.
Allaah Knows best.
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