Commercial insurance of all types is prohibited, whether it is life insurance, health insurance or insurance of one’s property. But it is permissible to deal with it when a person is forced to do so or when a person is compelled to take out health insurance.

The most important difference between cooperative insurance and commercial insurance is that the money deducted for cooperative insurance is not owned by the committee that is administering the fund; rather it remains a donation that is to be spent on whoever meets the conditions. In contrast, the administrators of commercial health insurance funds have ownership of the subscriptions and deductibles paid by the subscribers, and that is included in their personal accounts, in return for the administration committee being committed to treat anyone who meets the conditions.