Clarification on Nhima claims

Fatwa #970 Category: Business & Trade Country: Zambia Date: 13th November 2023
Fatwa #970 Date: 13th November 2023
Category: Business & Trade
Country: Zambia


Nhima is mandatory for registered and official employees.

If an individual were to subscribe to Nhima through bribery and corruption even though they are not required by law to do so, will it be permissible to accept nhima payouts?


In the Name of Allah, the Most Gracious, the Most Merciful.

As-salāmu ‘alaykum wa-rahmatullāhi wa-barakātuh.

Nhima is a government mandated health insurance scheme. An employer/employee has no option but to subscribe. Failure to do so results in legal consequences.

It is due to this fact that subscribing to the scheme for an employer/employee is permissible, and the subsequent benefits from the scheme may be utilized.

In the event the government does not require an individual to subscribe to Nhima, the default impermissibility is reinstated. Therefore, it is not permissible to voluntarily subscribe to Nhima and any benefits received in excess of ones contributions will not be halal.[1]

And Allah Ta’āla Knows Best

Mufti Bilal Pandor

Concurred by
Mufti Muhammad IV Patel

Darul Iftaa Mahmudiyyah
Lusaka, Zambia


 جديد فقهي مسائل ج 4 ص 124 [1]

امداد الفتاوي ج 3 ص 149