Insurance and Medical aid

Q: Is medical aid and hospital plan permissible? Also, Is insurance permissible in South Africa?

Q: My friend was going from Torino to Rome in a car with his friends (my friend was not the car owner). Another person crashed his car into the car which my friend was travelling in. In Italy, it is mandatory for every car to have insurance. In the case of an accident, anyone who was in the car and was injured, whether the owner or just a passenger, will be paid some money, depending on the extent of their injury. My friend was injured in this accident and his collar bone was broken. Regarding this situation, we want to ask the following questions: