Is it permissible to enroll in the governmental health insurance fund to benefit from low-cost treatment and free medicine, with the commitment not to exceed the amount paid into the fund in coverage, knowing that treatment is difficult for those not enrolled due to its high cost?

If the insurance fund is cooperative, there is no harm in subscribing to it and benefiting from its services, even if the value received exceeds what the subscriber paid. However, if it is a commercial insurance fund, subscribing to it is not permissible by choice. But if it is mandatory, there is no sin upon the subscriber, and he may benefit from it to the extent of the premiums he paid, and to the extent that the state grants to subscribers.