What is the legal ruling in Islamic law regarding optional participation in medical services provided by a company to its employees, in exchange for a non-refundable monthly deduction, with the company bearing the larger portion of the cost?

What the company stipulates regarding providing medical services to its workers in exchange for deducting a percentage of their salary is not permissible, due to the presence of gharar (excessive uncertainty/risk) and gambling therein. The subscriber might pay and not benefit, or might benefit by many times what they paid. It is also not permissible to contract with a clinic to treat the participating workers for the same reason. Accordingly, it is not permissible for the workers to subscribe to this program, as it involves acknowledging and assisting in disobedience, and it is not permissible for the company to assist them by contracting in this manner.