Is it permissible to benefit from insurance by making an ordinary injury a work-related injury?

All types of insurance are impermissible except for cooperative insurance. Anything other than that contains ignorance ( جهالة ) and gharar (غرر) (excessive uncertainty), and whoever participates in it by choice is sinful. However, if one is forced into it, there is no sin upon him, and the sin is upon the one who coerced him. It is permissible for the coerced individual to benefit from compulsory insurance within the limits of what he paid or less, because by doing so, he is recovering his capital, which he has a lawful right to recover. Anything in excess of that is not permissible for him.