What is the ruling of Islamic law on benefiting from health insurance provided by the employer, given that the amounts paid are very high and the services provided are comprehensive, especially in light of the urgent need for treatment and to avoid poor healthcare in government hospitals?

If the employer pays the medical bill for an employee or their family to the hospital, then there is no harm in benefiting from that. However, if it is health insurance from an insurance company, then commercial insurance is forbidden unless it is out of necessity, while cooperative (Takaful) insurance is permissible. If the insurance is mandatory for the employee, then it is permissible for them to benefit from it due to necessity, and the sin falls upon the party that mandates it.