What is the ruling on the monthly deduction from one's salary for health coverage, and is it permissible to take the refunded amount?

Government health insurance can be cooperative or commercial, depending on the contract. Cooperative insurance is permissible and lawful because it falls under cooperation in righteousness, whereas commercial insurance is prohibited due to its inclusion of gharar (excessive uncertainty) and maysir (gambling). To determine the type of insurance, one looks at the nature of the contract: if the institution manages the premiums as an agent and pays compensation from these accumulated premiums collected from employees, then it is permissible cooperative insurance. However, if the institution pays the treatment costs in exchange for the premiums, then it is prohibited commercial insurance. If the latter is compulsory, then there is no blame on the employee, and they may benefit from it to the extent of the premiums they have paid.