I am hoping one of the respected muftis could please help me determine how to purify some past insurance issues (if they need purification)
1 - As a student, I was enrolled in student health and dental insurance plans - I could have opted-out but I did not do so. I have availed of some health and dental benefits through these plans. Now, it is really hard for me to determine now how much my premiums were and how much I claimed, but my honest guess is that I claimed less than the premiums that I paid.
2 - I do still have a cheque for a dental claim from one of my student insurance plans that I am still eligible to claim. Would I be allowed to deposit this? While it is with the same insurance company as my previous plans, this was a newer plan for which I don’t recall claiming any dental benefits (although I may have claimed some health benefits, but they had a separate premium)
3 - When I was younger, I was covered under my father’s dental and health insurance and used it to cover some of my expenses. However, his insurance was not free - rather the employer was charging some premium for it. I availed of this not only as a child, but also when I was a young adult.
4 - I was previously on an auto insurance policy with my parents which included some optional insurance on our cars along with a optional home insurance policy. However, this actually helped me to pay less premiums overall as we got more discounts due to multiple policies and drivers under one account.
5 - I had a part-time sales job where when selling a product we would also try to sell an extended and enhanced warranty. This was like an extended warranty, but with extra types of coverage on the product that weren’t covered by the original warranty. We got extra commission for selling this service plan on items we sold. My pay at this company was sometimes the base salary and sometimes the commission, depending on how much I sold in a particular week.
For these scenarios I would just like to know if I need to purify my wealth, and if so, how would I go about doing so as I may not have all the details anymore.