What should I do with the amount that was returned to my account from the insurance company after I paid the fees online and the insurance appeared as paid with them, and they refused to withdraw the amount?

If the insurance is cooperative and based on mutual solidarity, then there is no harm in it. The money returned to you should be inquired about from the authorized party in the company. If the company refuses to receive the amount, then there is no harm for you in benefiting from it. However, if the insurance is commercial and forbidden, then it is not permissible to voluntarily participate in it. If the subscription amount is returned to you, benefit from it, but you are not allowed to benefit from the insurance itself in any way.