Co-Payment in Health Insurance Claims

A Sharia Economic Law Perspective

Abstract

Co-payment in health insurance in Indonesia causes problems, insurance customers are required to make additional payments after premiums, making double payment and to the detriment of policyholders. Double payment charges the payment of hospital treatment payments of 3 million Rupiah for hospitalization, and 300 thousand Rupiah for outpatient treatment. Co-payment In sharia health insurance, this is regulated through OJK Circular Letter Number 7 of 2025, and gives rise to a legal dialectic between regulatory compliance and sharia compliance. This normative juridical research aims to analyze policy alignment co-payment with the principles of sharia economic law. Using the approach statute approach, and conceptual approach obtained through secondary data types such as laws, books, and previous research. The results of the study show that co-payment is inherently contrary to sharia. This policy cannot be justified through the perspective of sharia economic law to maintain sustainability Funds tabarru’. The critical point lies in its implementation. The provisions of transparency and proportionality in the OJK SE are actually the key to eliminating the principle of helping and the principle of enforcing justice ('adl). The conclusion of this study confirms that co-payment not in accordance with sharia because it is not in accordance with the principle of please help those who charge double payment to customers.