QUESTION
A person is employed in the a company under the the term of of employment the comapany is responsible for the free treatment of him and his wife and children ,but the treatment expenses are not paid by the company itself directly but a fixed amount is paid to the insurance company .pays monthly or annually in exchange for which the insurance company pays the amount spent on the treatment of the employes but the money is paid by the company to the insurance company regardless of whether the employes are treated or not in the above case the employes is it permissible for the insurance company to take the money spent on the treatment and get treatment from it ?
ANSWER
There are generally three situation in which a company for the treatment of its employes
1) the employes of the company get traetment from a clinic or hospital and the treatment costs are recived by the clinic or hospital directly from the insurance company
Get traetment ' because the cost treatment is the responsibility of the department
2) Another case is that the company employees get traetment from the clinic or hospital and the clinic or hospital collects the treatment costs from the company of these employees and then the company collects the treatment costs from the insurance company . it is permissible to treat the employees as it has already happened
3) Third one is that the employees pays the clinic or hospital fee himself but the deparment has ordered him to go and collect the bill from the insurance company himself since the employees is getting money from the insurance company which is mostly it is forbidden so it is not permissible for the employees to take it , however if the employees knows that his deparment has paid the installments to the insurance company his employees have not yet received the same amount it will be permissible to collect the amount only to the extent that the premiums are left with the insurance company and it is not permissible to rule the rest of the amount
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