All these are innovations. Kindly refer to the following link(s): https://www.youtube.com/watch?v=3GdlSw0IF6U https://www.youtube.com/watch?v=96Ac4b7aWZg

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If they charged him for this insurance a certain amount, he can claim it and take his capital while giving the interest compiled to poor and needy Muslims as a form of cleansing his wealth.

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This is useless! Focus on making ruqya on yourself and devoting your efforts in making sincere Duaa while expressing your poverty and humility to Allah. Be confident that only He can cure you and you have no alternative but to make sincere Duaa and anticipate the response no matter how long it takes.

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