Personal accident cover


My employer provides a range of benefits we can opt into from our salaries.

One option includes Personal Accident insurance - where they pay out a lump sum if someone dies or suffers a bodily injury as a result of an accident.
This would be provided by AIG.

Would it be ok to opt into this benefit?


May Allah bless you.

Please clarify the following: who pays for the cover you or your employer?

We receive a salary post which we can buy these items. - so it’s a choice. Therefore under this circumstance I would be paying for this cover. Does this make it impermissible?

Yes if you are paying for the cover yourself then its impermissible.
If on the other hand it was a gift from your employer then it would have been different.