What is the ruling on the family treatment system in oil companies that relies on deducting a small monthly amount from employees' salaries in exchange for covering part of the costs of treatment, medications, and surgeries? And does this system differ from insurance contracts that are Islamically forbidden?

The mentioned system is a health insurance for employees, where the company deducts insurance premiums from salaries to cover treatment expenses. This type of commercial insurance is Islamically prohibited due to its inclusion of gharar (definition) (uncertainty), maysir (definition) (gambling), and riba (usury). If participation is optional, it is not permissible. However, if it is compulsory, there is no sin upon the employee, but he should not benefit from the insurance amount except to the extent he paid or if it was a gift from the company.