Is it permissible to donate the insurance amount that was paid for the mother's treatment, instead of returning it to the bank's insurance company, due to the difficulty of returning it?

Whoever owes a right to another must return it to its owner or seek their forgiveness. We have clarified the ruling on using another person's insurance card, and that in cases where its use is prohibited, the amount unjustly gained from it must be returned to the insurance company. If that is not possible, then it should be given as charity on behalf of its owners. This applies to the restaurant matter. It is advisable to present such issues to scholars in person to explain the details.