Is it permissible to insure an engineer who is not working, merely for the purpose of completing tender documents?

The type of insurance, whether cooperative or commercial, was not specified. Health insurance is of two types: cooperative, which is permissible, and commercial, which is prohibited because it involves excessive gharar (uncertainty). The type of work has no bearing on the issue of insurance. Rather, the important question is whether the insurance is cooperative, in which case it is permissible, or commercial, in which case it is not permissible.