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Q&A › Preparation & choosing a spouse

🧭 Preparation & choosing a spouse · #120

Do we need health or life takaful cover before starting married life?

It is not a condition for a valid marriage, but basic cover is worth thinking about before you have dependants. When you marry, your health and life also become something others rely on. Start by checking the cover you already have, for example from your employer, so you do not buy double cover. Then discuss your real needs: medical cover, and income protection for the spouse who is the main source of maintenance (nafkah). Choose a plan whose monthly contribution you can afford in the long term, not the biggest one. Read the terms carefully and ask what is not covered. If you are unsure whether a product is Shariah-compliant, consult an accredited adviser with no vested interest. See family finances.
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This answer is general reference, not a fatwa. For your situation, consult the religious affairs office, a Syarie lawyer or your state Syariah Court.

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