Answer
(Fatwa: 651/655=N)
As mentioned above, giving money to the companies for medical insurance and receiving medical facilities in return is impermissible; since it contains gambling which has been declared haram by the Quran:
يَا أَيُّهَا الَّذِينَ آمَنُوا إِنَّمَا الْخَمْرُ وَالْمَيْسِرُ وَالأنْصَابُ وَالأزْلامُ رِجْسٌ مِنْ عَمَلِ الشَّيْطَانِ فَاجْتَنِبُوهُ لَعَلَّكُمْ تُفْلِحُونَ
One can only take the amount he deposited, not the annual profit.
Allah (Subhana Wa Ta’ala) knows Best
Darul Ifta,
Darul Uloom Deoband