السلام عليكم ورحمة الله وبركاته
My dear beloved brother Mikail,
Please forgive me for being late to reply as I hardly have time to do anything these days.
Firstly, and before anything else, you know that we love you for Allah's sake and we truley miss you akhi (smile)
Far from Fiqh discussions ( while keeping in mind the talks that I gave you before), here is an answer that will bring comfort to your heart and ease into your hereafter, inshallah (smile)
Although some Shaikhs have allowed it in certain cases when the cost of treatment is highly expensive and unaffordable by many people, as in some countries, it is better to avoid it.
In your case, I think treatment back there is not that much expensive and the use for premium is rare.
So think of it this way:
It is better to be in the safe side
It is something that you will rarely need (i.e. using your premuim to cover highly expensive operations)
whatever is left for Allah sake, better than it will be given to you inshAllah
Barak Allahu feekum
Wallahu A'lam
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