What is the ruling on joining a cooperative that reimburses medical expenses and provides grants in specific cases, knowing that it receives membership and contribution fees from the first month, while it begins fulfilling its obligations after six months?

Commercial insurance, of all types, is not permissible according to Sharia because it is based on Gharar (excessive uncertainty) and Maysir (gambling). As for cooperative insurance, which involves individuals and institutions contributing funds to a common fund from which those among them who suffer damage are compensated with their consent, it is permissible, provided that the fund is regulated by Sharia principles. This means that there should be no injustice to anyone, and its funds should not be invested in what Allah has forbidden.