What is the ruling on subscribing to the Medical Professions Syndicate's insurance, which is paid at the beginning of the year, and from which one can benefit in two ways: first, by a discount on services, and second, by paying an additional part of the reduced amount, given the doubt as to whether it is cooperative insurance or commercial insurance that deposits funds and uses their profits? Is it permissible to benefit only from the first method? Is the default ruling for insurance prohibition until its permissibility is clarified, or vice versa?