Is it permissible to subscribe to supplementary health insurance in order to benefit from the mandatory paid insurance, knowing that health insurance is not permissible in Islamic law but is obligatory?

It is permissible to subscribe to commercial insurance companies if Islamic cooperative Takaful insurance is not available, and if compulsory insurance does not meet the need, then only to the extent of fulfilling that need. The European Council for Fatwa and Research mentioned the permissibility of commercial insurance in cases of legal compulsion, or severe need that removes hardship and difficulty, such as insurance for Islamic institutions, cars, homes, and health insurance to avoid exorbitant costs. It is permissible to subscribe to supplementary insurance if not subscribing to it would lead to severe hardship and difficulty due to high treatment costs.