What is the ruling on receiving money from insurance for injury without death, and is it permissible for heirs to take the insurance amount in the event of death, and what is required of me to do after three years have passed on this insurance?

We have previously explained the prohibition of commercial insurance due to its inclusion of usury (riba) and uncertainty (gharar). However, if they insist on insuring you from their own funds without deducting from your salary, then there is no harm in benefiting from the insurance amount when you stop working, or for your heirs after your death. This is because you did not contract with the insurance company; rather, the contract is between your company and the insurance company, and the amount is considered a bonus or compensation.