What is the ruling on forging documents to reclaim money from the health insurance cooperative, and on lending names to individuals who are not members? And what is the ruling on using the institution's phone and internet for personal purposes, and printing personal materials using company resources, given that the management has a call monitoring system and allocates a specific time for internet use?

If the insurance is commercial and compulsory, and there is no way to recover the money, then there is no harm in recovering only what was paid, even through means such as falsifying documents or lending names. However, it is not permissible to take more than what was paid. As for using the institution's property for personal purposes, if it is allowed, then there is no harm. But if you exceed the permitted amount, it is forbidden, and you must repent and return what was benefited from.