Disposing of insurance money


i had a couple of situations around claiming dental and health benefits:
1 - employer had required mandatory benefits with a premium charged. as an employee i wanted to get my money back but overall ended up claiming more in health and dental claims than what i paid in premiums
2 - similar to 1) but it was optional as a student and I forgot to opt-out sometimes. Now, I don’t know if my total claims has exceeded my premiums or not - some semesters i had no claims and others I did.

in both these cases, i’m assuming the money received minus premiums paid must be given away is that correct? And does it have to be given to someone zakat eligible?