This is not permissible as it involves two major sins: Riba and Gambling. Kindly refer to the following link(s): https://islamqa.info/en/8889

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If they charged him for this insurance a certain amount, he can claim it and take his capital while giving the interest compiled to poor and needy Muslims as a form of cleansing his wealth.

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Kindly refer to the following link(s): https://www.youtube.com/watch?v=BgAKyxTQvLk https://www.youtube.com/watch?v=YVl8Lm0IHz0 https://www.youtube.com/watch?v=yYGdRQ1ndeU&t=194s

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If it (Medical Insurance)is done by the company then it is permissible. As for the credit card: If they are paying for it, this is permissible, but if you have to pay for it, you  shouldn’t use it if it is interest based.

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If it is obligatory for you to take the insurance in the country where you are living, then yes, in this case it is permissible.   As for benefitting from the insurance: https://www.assimalhakeem.net/my-family-was-involved-in-a-motor-vehicle-accident-and-as-with-law-in-canada-i-order-to-drive-a-car-you-must-have-insurance-my-kids-were-bruised-up-my-ribs-and-chest-very-hurt-is-compensation-har

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It is not permissible to work for an insurance company as the majority of them are commercial insurance companies that deal in both Riba and gambling.

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