ANALISIS HUKUM EKONOMI SYARIAH TERHADAP AKAD DALAM PROGRAM BPJS KESEHATAN

Abstract

In principle, public health insurance is one of the tasks of the state. Indonesia as a large
country has regulated social security in the form of health prevention for the
community, manifested in the form of the JKN (National Health Insurance) program
organized by the Social Security Administering Body (BPJS). Indonesia as a country
with a majority Muslim population, of course, does not accept the decision of the
government regulation immediately, one of which is whether the contract in the BPJS
health program is in accordance with Islamic law?, because Muslims cannot be
separated from their religious rules which regulate in all aspects, including health
insurance. To answer this problem, research was carried out, using data collection
techniques in the form of documentation of everything related to the research title. After
the data was collected, it was analyzed by qualitative analysis using descriptive analysis
method. The results of the study found that the contract used by the BPJS health
program is allowed as long as the meaning is understood by each party (no gharar) and
the existence of mutual blessing (an taradhin) is the main requirement in every
muamalah contract, so that it does not result in consuming other people's property in a
false way. or not contrary to sharia provisions.