Wa `alaykum As-Salamu waRahmatullahi wa Barakatuh.
In the Name of Allah, Most Gracious, Most Merciful.
All praise and thanks are due to Allah, and peace and blessings be upon His Messenger.
Dear questioner, we would like to thank you for the great confidence you place in us, and we implore Allah Almighty to help us serve His cause and render our work for His Sake.
In his response to your question, Sheikh Ahmad Kutty, a senior lecturer and an Islamic scholar at the Islamic Institute of Toronto, Ontario, Canada, states:
There is nothing wrong with working in an insurance company as a medical officer. Your job as a medical officer has nothing to do with the legality of insurance – if your duty is solely concerned with providing essential healthcare services for those involved.
It is akin to treating patients who approach you for treatment when you work in a clinic or hospital. Your medical ethics demand that you treat everyone regardless of how and why such a medical condition resulted.
As long as your work is treating the patients, there is nothing unlawful about it.
According to the rules of jurisprudence, “We are not questioned about what happens behind our ken of perception.”
If however, the duties may entail concocting or forging false certificates to protect the insurance company then you ought to refuse the job. It is akin to bearing false testimony which as the Prophet reiterated is the third of the most heinous sins. The Prophet (peace be upon him) said, “Shall I tell of the three most abhorrent sins – he repeated the words thrice, then he said, “It is to associate partners with Allah; to displease one’s parents and to bear false testimony, and he repeated the last words three times, again.” (Al-Bukhari)
So, I would urge you to judge for yourself by considering the specific duties entrusted to you as a medical officer of the insurance company.
Allah Almighty knows best.