ANSWER:

This is absolutely not permissible if taken voluntarily. 

Medical insurance or any kind of insurance is haram if taken by your own self because it involves two major sins: gambling and riba.
If the insurance is compulsory by the government or if your company is offering it to you then there’s no problem in utilizing it as the sin is not on you.

When i tell my parents,or elderly people here in india that medical insurance is prohibited in islam then many of them who belong to middle class or who don’t have savings tell what will u do if u have serious disease like cancer,or illness that require lot of money to treat.It’s like either u ask others for money or die.so what should a muslim do?Is it permisible to have insuranc for middle class

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