Is it permissible for a husband to purchase medications for his family members or himself using health insurance, the value of which is deducted at the beginning of the year, and a percentage of the cost is paid when purchasing the medication?

Commercial insurance, in all its forms, is prohibited, with the exception of compulsory insurance and health insurance due to necessity. It is not permissible for the insured to take medications they do not need, unless the insurance is prohibited and they were compelled to take it. In that case, they may retrieve their money up to the amount of premiums they paid, but no more. Whoever takes medicine out of necessity owns it, and they may share it with their family, provided that this does not lead to requesting a quantity they do not need, except in the case of retrieving their money, where they may take the amount they paid absolutely.