کمپنی کا ملازمین کیلئے انشورنس پالیسی لینا

Assalamu Alaikum, I need your guidence in an issue related to Insurance.
I am working in a software house and my company offers medical facility in the form of insurance to their employees. Insurance company is NJI (New Jubilee Insurance). Like other companies, it is our company who pay any thing to NJI like premium etc and we employees don't pay a single penie to NJI. Now when any of us or our family member has to avail medical facility then there are two ways of it.
1) In most of the cases we go to the hospital and show them our insurance card given to us by NJI. The hospital provide us medical facilities and we don't have to pay a single penie to them as hospital is directly paid by the NJI.
2) In some cases, NJI ask us to get treatment by paying money from our pocket. Later we submit the medical bills to NJI for reimbusement. The NJI after some verification reimburse the total bill amount and give us the cheque.
I want to know that can we avail this medical facility?
Jazakallah

الجوابُ حامِدا ًو مُصلیِّا ً

اگرچہ كسى كمپنى كيلئے شرعا يہ جائز نہيں كہ وہ اپنا يا اپنے ملازمين كيلئے ان مروجہ انشورنس كمپنيوں كى پاليسى لے ، البتہ مذكورہ صورت حال ميں چونكہ اس پاليسى ميں ملازمين كا كوئى عمل دخل نہيں اس لئے وہ اس سے مستفيد ہواورعلاج كرواسكتے ہيں يہ منع نہيں ،