This study aims to analyze the regulation of copaymentin Shariah health insurance products as regulated in theCircular Letter of the Financial Services Authority(SEOJK) Number 7 of 2025, and to review itscompliance with Shariah principles and the fatwas ofthe National Shariah Board-IndonesianUlema Council (DSN-MUI). The minimum 10% copayment policy is enforced by the authority to controlthe surge in claims, suppress moral hazard, andmaintain the sustainability of the health insuranceindustry. This study uses a qualitative method with anormative approach through the analysis of regulations,fatwas, and Scopus-indexed literature related to Shariahinsurance. The results show that the copayment schemein principle does not conflict with the tabarru’, wakalahbil ujrah, and mudharabah contracts as long as it isimplemented transparently, proportionally, and does notalter the substance of mutual assistance (ta'awun) into aunilateral risk transfer mechanism. However, thispolicy potentially affects participants' accessibility,especially for lowincome communities, if not balancedwith adequate consumer protection. Therefore, theintegration of technology such as blockchain and anadaptive Shariah Supervisory Board (DPS) governanceare required.