What is the ruling on insurance, and is it considered a sin for the spouses or for the company if a pharmaceutical company pays for its employees' accident costs, tests, and medications under an insurance system?

Insurance is of two types: commercial, which is forbidden because it involves gambling and consuming people's wealth unjustly, and cooperative, which is permissible. If the insurance in question is commercial, participation in it is not allowed unless it is compulsory, and the sin falls upon the one who imposed it. In this case, one may only benefit to the extent of what was paid, and the remainder should be given in charity. If there was no participation, then you are allowed to take the compensation and whatever the company pays to contribute to the costs of medicines because it is your right. However, if participation was voluntary, then you may only benefit to the extent of what was paid.