Is the "treatment project," in which a doctor pays a symbolic amount to obtain discounts from other participating doctors, considered a legitimate form of mutual support (takaful), especially if it is labeled "takaful" and the amount paid is small?

The fundamental difference between Takaful funds and commercial insurance funds is that the former do not aim for profit, but rather to benefit participants and foster cooperation among them in bearing expenses, whereas the latter are established for the purpose of profit and rely on gharar (uncertainty) and risk.