Is it permissible to benefit from the health insurance service provided by the company free of charge to employees, knowing that the source of this service is commercial insurance companies, which are prohibited? And is it permissible to benefit from it for a costly childbirth, despite not being in a state of necessity?

Commercial health insurance provided by commercial insurance companies is forbidden due to the presence of gharar (excessive uncertainty) and jahalah (ignorance) in it. It is not permissible for an employee to subscribe to it by choice or to approve it, even if they do not pay anything. If the company insures them without their consent, then what the company has paid in insurance premiums is considered a donation from it, and the employee may benefit from the insurance services within its limits.