Is it permissible to take the full salary during sick leave that exceeds two months, knowing that part of the salary is recovered from the health insurance company to which the company pays monthly?

Commercial health insurance is impermissible due to the elements of gharar (excessive uncertainty) and gambling it contains. However, it is permissible in cases of necessity. If the money received during a period of unemployment is within the limits of what was deducted from the salary, then there is no harm in taking it, as it is a retrieval of one's own money. If it exceeds what was paid, and the insurance system is compulsory, then there is no harm in taking the money due to the lack of choice in the contract and the need for such a benefit.