Is it permissible for employees to exchange medications prescribed by the authorized physician for other medications or cosmetic products, given that the cost of treatment has been fully paid in advance to the medical company, and unused amounts are not refunded to the employees?

Employees are not permitted to benefit from medical insurance funds except according to the terms of the contract between their company and the other company, whether by specifying the beneficiaries or the manner of benefit. If the contract limits the benefit to the employee and their family, then it is not permissible to exceed that. If it does not include cosmetics, then it is not permissible to dispense them. If the employees did not utilize the paid amount, the contract was made between the two companies, and their company has the right to claim its due. As for the employees, they were not authorized in this regard. The matter should be referred back to the company and the terms of the contract; "Muslims are bound by their conditions."