What is the religious ruling on health insurance that is based on paying premiums to an insurance company in exchange for it covering the costs of treatment?

Health insurance, like other types of insurance, is not permissible in Islam due to its inclusion of gharar (excessive uncertainty) and the consumption of people's wealth through falsehood. This is because premiums may be taken for many years without a need for treatment, or the insurer may pay the costs of treating a chronic illness immediately upon signing the contract. This is a prohibited form of gambling. Therefore, one must avoid these contracts and ask Allah for well-being. It is advisable not to use the phrase "What is the ruling of the religion?" because an individual may err, and it is more appropriate to say, "What do you think about the ruling on such-and-such?"