The Ruling on Health Insurance, and the Ruling on Using It for Someone Other Than the Policyholder

Question:
May Allah reward you with good, and may He do you good. She says: My mother fell ill with a severe illness that exhausted us financially, so I was forced to purchase some of her specific medications, and it seemed that these were from the health insurance associated with my job. Sometimes I made a mistake in dispensing the medication, and I continued doing this for about a year until Allah took her. At that point, I began to feel as if I had done wrong. Why are you directing me, may Allah reward you with good, so that my conscience is clear?

Answer:
You erred in this action because this is lying. It is obligatory for you to inform the officials whom you deceived with this action of your wrongdoing toward them, so that they may apply the system by which they operate. By the way, health insurance is not permissible; all types of insurance, life insurance, insurance against illness, all types of insurance are not permissible; because they are consuming people's money without right, due to the gharar (excessive uncertainty in a contract) involved in them. But in addition to that, lying and fraudulently taking people's money without right is not permissible. So it is necessary to inform the officials of the reality so that they may act according to the system they have. Yes.