Conformity of the Co-Payment Scheme of OJK Circular Letter No. 7/2025 with the Ta'awuni Principle in Sharia Insurance: A Critical Evaluation from the Perspective of Maqashid Syariah

This study evaluates the suitability of the co-payment scheme in Circular Letter of the Financial Services Authority (OJK) No. 7 of 2025 with the principle of ta'awun (mutual cooperation) and maqashid syariah (sharia objectives) in sharia insurance. The research method uses a qualitative approach with critical content analysis of regulatory documents, academic literature, and industry data. The results show that the co-payment scheme that charges 10% of claim costs to customers contradicts the principle of ta'awun, because it shifts the logic of collective risk sharing to an individual financial burden. In addition, this policy has the potential to threaten the maqashid sharia, particularly hifzh al-mal (protection of wealth) and hifzh al-nafs (protection of life), by burdening low-income customers and hampering access to health services. Based on these findings, this study recommends three corrective measures: (1) the implementation of a sliding scale scheme that adjusts co-payments to customers' economic capabilities, (2) the development of a hybrid model that integrates tabarru' (benevolent) funds and qardh hasan (interest-free loans) for poor customers, and (3) increased transparency and education to customers. These recommendations are expected to restore sharia principles in sharia insurance while ensuring justice and benefit for all stakeholders