What is the ruling on purchasing the previous insurance period, in cash or in installments, after the employer failed to insure the employee for a period of three years?

If the insurance is cooperative (Islamic), there is no objection to paying overdue premiums in cash or installments, provided that the company does not charge any interest. However, if it is commercial, it is not permissible to subscribe to it except in cases of necessity, such as compulsion by the state or the inability to obtain a job without it. In such a case, the insured must not expand beyond what is necessary and should try to avoid paying premiums that he can avoid.