ANSWER: It is not permissible to take any insurance on your own as it involves two major sins: gambling and riba. 

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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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