What is the ruling on benefiting from the aid provided by an insurance company that allows employees to be reimbursed for treatment costs and to receive financial aid in certain cases, such as marriage, childbirth, or death, without paying any amount?

If the employer obliges itself to provide services to the employee and his family, then the employee has the right to benefit from them upon receiving them. The employer's referral to an insurance company does not make it unlawful for the employee to claim his right. The sin, if the insurance is a prohibited commercial one, falls upon the employer, not the employee, because the employee is claiming a right that has been transferred to him.