Golden discount cards and VIP

A: What you are doing falls under the category of commercial health insurance which is prohibited as it is an aleatory contract. The insurer pays a sum of money to receive a discount for one year or more or less which he may never make use of as he does not need to go to the dispensary during that period. In this case, he loses his money to the advantage of the dispensary. He may also make great use of it outweighing many times the sum he paid. (Part No. 15; Page No. 302) In this case, the dispensary is the loser. Thus, the one who benefits, in fact, wins the bet while the other one loses the bet, which is the core of gambling that is strictly prohibited by the Qur'an. Allah (Exalted be He) says, O you who believe! Intoxicants (all kinds of alcoholic drinks), and gambling, and Al-Ansâb, and Al-Azlâm (arrows for seeking luck or decision) are an abomination of Shaitan’s (Satan) handiwork. So avoid (strictly all) that (abomination) in order that you may be successful. Furthermore, money as such is a means of deception. The Prophet (peace be upon him) forbade Bay`-ul-Gharar (uncertain sale). May Allah grant us success. May peace and blessings be upon our Prophet Muhammad, his family, and Companions.