One of the causes of the monetary crisis in various countries is the existence of moral hazard actions from banking owners. The government determines deposit insurance under the auspices of the LPS to overcome this problem. Deposit insurance is a tool to stabilize the banking system. In managing deposit insurance in Indonesia, the LPS applies the flat rate premiun system which is the same premium imposition system for each bank without taking into account the different risk levels of each bank. The implementation of the flat rate, it can still cause moral hazard which can trigger the monetary crisis. To anticipate this problem, it is necessary to design a risk adjusted premium. Oneof method that can be used in premium calculation is Fourier transform. In this study, we analyzed analytical solutions to determine risk adjusted deposit insurance premiums  on Heston Model by using Fourier transforms. Based on the simulation results, it was found that the amount of volatility caused the value of deposit insurance premiums getting bigger, the smaller value of interest rates so the greater value of deposit insurance premiums. The high value of deposit insurance premiums also deposit value that was insured, and dividends value.