Is it permissible to subscribe to health insurance – which is originally forbidden – for pregnancy and childbirth if their costs become excessively high and unbearable except with insurance? And in this case, is what is paid for the insurance considered to be in exchange for it or not?

There is no doubt about the impermissibility of commercial insurance, but the Sharia considers cases of necessity. Thus, whoever does not find a permissible way to obtain insurance, and needs it out of necessity, it becomes permissible for him to the extent of that necessity. So, if the questioner needs treatment and examinations during pregnancy and childbirth, and does not have money exceeding her basic needs, commercial insurance becomes permissible for her to the extent of her necessity.