Is it permissible for someone who has health insurance that covers the cost of eyeglasses up to 1000 Riyals, and has bought eyeglasses for 300 Riyals, with 700 Riyals remaining, then their eyeglasses broke and the insurance company refused to pay for new eyeglasses on the grounds that it is only one pair of eyeglasses per year, to agree with the optician to make an invoice for 1000 Riyals when buying new eyeglasses, in order to benefit from the full insurance amount in anticipation of them breaking or needing new eyeglasses with different prescriptions?

If the insurance is commercial, it is forbidden and not permissible to subscribe to it voluntarily. If someone is forced into it, or their employer subscribes for them without their permission, then it is not permissible to benefit from it except for the amount of the premium paid by the subscriber or the employer. However, if the insurance is cooperative, then the conditions set for benefiting from it must be adhered to, as Allah Almighty says: "O you who have believed, fulfill [all] contracts," and as the Prophet, peace and blessings be upon him, said: "Muslims are bound by their conditions." Adherence to the conditions is also obligatory even if the insurance is a donation, because violating the conditions constitutes deceit and forgery, which are forbidden by Islamic law.