Is it permissible to subscribe to the health insurance system, which the company provides to its employees through a specialized company, in the event that the employee is unable to pay the costs of any accident he may be exposed to?

Insurance is of two types: 1. Commercial insurance: This is forbidden (haram), based on gharar (excessive uncertainty), gambling (qimar), and Maysir (games of chance), and it is the prevalent type. 2. Cooperative Takaful insurance: This is permissible (mubah), adopted by Islamic insurance institutions.

One must consider the type of specific insurance one wishes to subscribe to. If it is commercial, then it is not permissible to subscribe to it. If it is Takaful, then there is no harm.