Ruling on health insurance

Question:

In Holland we have basic health insurance which is compulsory upon the public, it covers basic healthcare like the GP, in some cases physiotherapy, nutritionist and the hospital. If for example I need physiotherapy which is not covered in the basic insurance I can take an extra package where it is covered and other things as well. Without the extra package it can be expensive. The dentist is not covered either in the basic insurance. Some treatments are very expensive so that’s why they have a separate package for dental care too. So will it be permissible for me to purchase the extra package?

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If she does not know whether her menses started before or after sunset

Question:

I fasted today and after iftar when I was about to pray Maghrib salah i realised my monthly period has started. I am unsure whether the bleeding started before or after sunset. Will the fasting be valid?

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