Is it permissible to refund the cost of medications purchased from a pharmacy without a medical examination, by offering a sum of money to the doctor to issue a medical prescription and an insurance form retroactively, knowing that the intention is solely to recover the cost of the medications, and is this considered fraud against the insurance company, and does the doctor bear part of the sin?

Group health insurance is of two types: cooperative, which is permissible, and commercial, which is forbidden due to its containing gharar (definition) (uncertainty). It is predominantly the case that insurance in our time is of the forbidden type. If a person is compelled to partake in forbidden commercial insurance, it is permissible for him to subscribe on condition that he does not receive more than what he paid. In cooperative insurance, it is not permissible to exceed the actual costs. In commercial insurance, if the increase is for the purpose of recovering the paid money, there is no objection.