Reconstruction of the Multiservice Contract as an Emergency Healthcare Financing Scheme in Sharia Banking in Indonesia.

Abstract: This study examines multiservice contracts as a financing mechanism for emergency healthcare in Indonesia's Sharia banking sector. Using normative-empirical legal research, it combines statutory, regulatory, and DSN-MUI fatwa analysis with professional interview material. The study identifies distinctive features of emergency healthcare financing: urgency, uncertain medical costs, patient vulnerability, and three interrelated actors. It proposes a legal model based on contractual clarity, differentiated risk allocation, transparent ujrah, direct payment to healthcare providers, and balanced protection. The model seeks to preserve Sharia compliance, prudential banking standards, consumer protection, and clear separation between financing responsibility and medical liability within Indonesia's evolving regulatory framework.