Here in canada medical is very expensive, so companies offer 50% premium of health insurance to their employees (rest 50% is to be paid by the employee. It is deducted from his salary). Is it permissible to take such benefit from company, though it is not mandatory to take?
If it is provided by the company, without you having to pay anything voluntarily, and if it’s mandatory by the company or the government for you to take, in this case you can take it.
However it is prohibited to take it on your own as it involves two major sins, riba and gambling.