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All Journal Jurnal Publikasi Ilmu Manajemen
Amelia Syahfitri Purba
Universitas Islam Negeri Sumatera Utara
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Penerapan Prinsip Indemnitas dan Kontribusi pada Klaim Ganda Asuransi Kesehatan Syariah: Analisis Kepatuhan terhadap Fatwa DSN MUI Amelia Syahfitri Purba; Fauzi Arif Lubis; Budi Harianto
Jurnal Publikasi Ilmu Manajemen Vol. 5 No. 1 (2026): Maret: Jurnal Publikasi Ilmu Manajemen
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jupiman.v5i1.6974

Abstract

This study aims to analyze implementation of the indemnity and contribution principles in handling duplicate klaim within Islamic health insurance in Medan, based on the DSN-MUI Fatwas No. 21/DSN-MUI/X/2001 and No. 53/DSN-MUI/III/2006. Utilizing a descriptive socio legal research method, document analyst and in depth interviews with management and claim analysts across three entities companies implementing a contribution mechanism. The results reveal a significant gap between the normative ideals of the fatwas and the operational realities on the ground. Although Company strictly implements an payment system and Company tightens preventive verification through notarized statements alongside amicable settlement schemes (shulhu), the principle of indemnity is not fouy upheld isn compromised in specific product lines. Policy loopholes in the hospital cash plan products at Company are frequently exploited by certain participants to obtain finamcial benefits excerding their actual medical expenses qiurngrise to elements of sepecullation (maisir). This lack of information transparency creates opportunities for illicit double claims using duplicate documents. This study concludes that genuine shariah compliance requires adaptive product design reforms and interconnected data systems to restore the true essence of Islamic insurance as mutual assistance (ta'awun).
Co-Authors Arifin Fauzi Lubis Budi Harianto