Treatment in the hospitals of the employee's medical insurance

Question:
Honorable Shaykh, an employee works for a company, and this company has medical insurance in hospitals. Is it permissible for me to receive treatment from these hospitals? Knowing that a percentage of my salary is deducted for this purpose.

Answer:
You may not be treated for more than the amount taken from you. If the treatment costs more than what was taken from you, that is not permissible for you, because it is from the money of people. However, if you are treated for the amount taken from you, or if you leave it and treat yourself from your own money, that is better for you and further removes you from doubts. Health insurance is not permissible; it is forbidden. All types of commercial insurance are forbidden because they involve consuming the money of people. For example, you pay one hundred riyals and are treated for one hundred thousand riyals, or you repair a car for ten thousand riyals while you only paid one thousand for it. Where did this money come from? From the money of people, from the money of the shareholders. It is not permissible to consume the money of people without right. Also, it involves gambling, it involves riba (usury or interest), and it involves conditions. Insurance has combined conditions, so it is forbidden from several angles. Therefore, it is not permissible for a Muslim to enter into it. Yes.