Does the insurance that doctors take out to protect themselves from malpractice errors constitute a suspicion of usury?

Commercial insurance in all its forms is prohibited, whereas cooperative insurance is permissible under its conditions and regulations. In cooperative insurance, each member pays a premium, and payments are made from the collective fund. Any surplus is either distributed or added to the premiums for the following year, and it is permissible to invest it for a return. Therefore, there is no objection to doctors subscribing to a cooperative fund to pay fines and blood money resulting from professional errors. The Permanent Committee has issued a fatwa stating that an agreement by a tribe to establish a charitable fund for paying blood money is a charitable act, and Zakat is not obligatory on it if it does not become the property of the subscribers upon the failure of the project; rather, it is spent for the purpose for which it was collected.