All perfect praise be to Allah, The Lord of the Worlds. I testify that there is none worthy of worship except Allah, and that Muhammad is His slave and Messenger.
Issuing a judgment on any given matter is based on grasping it, and you mentioned a number of questions without details. Passing a judgment as to whether or not they are permissible requires forming a complete picture of them first. The late fees may be regarded as financial penalties imposed as a discretionary punishment, and they may be considered Riba (interest). Moreover, some categories of health insurance are permissible, especially for Muslim communities living in the West. The resolution of the European Council for Fatwa (6-7) states: "There are situations and environments that entail finding solutions to address special conditions and meet their requirements, especially the case of the Muslims in Europe, where commercial insurance prevails, and there is a dire need to benefit from it in order to prevent the dangers to which they are often exposed in their daily life in all its forms, along with the lack of an Islamic alternative – Takaaful (cooperative) insurance – and the difficulty to find it at the present time…"
Therefore, you should consult a scholar (in your country) directly regarding this issue or refer the question to the Fatwa Councils in these countries; they are better aware of the situation of the Muslim communities. Verily, understanding the surrounding circumstances is of great importance and influence when issuing a Fatwa.
Allah Knows best.