Perlindungan Hukum bagi Pemegang Polis dalam Penyelesaian Klaim Asuransi Jiwa

Haris Budiman, Bias Lintang Dialog, Iman Jalaludin Rifa’i, Peny Hanifah

Abstract


An insurance agreement occurs where the policyholder transfers the risk to the insurance company. Legal protection regarding to life insurance policy holders is regulated in the Law of the Republic of Indonesia Number 40 of 2014 concerning Insurance. Life insurance claims are in the form of claims from the insured party where the policy holder asks for his rights in the life insurance policy agreement to make payments on the life insurance benefits. This study aims to determine the legal protection for life insurance policy holders and the procedure for settlement of life insurance claims. Life insurance claims often have difficulty in filing, because the company has standards in submitting claims listed in the provisions of the life insurance policy book. Therefore, if the claim submitted by the policyholder has met the specified requirements, the life insurance claim will be unlikely to be rejected. The formulation of the problems in this study are how to regulate legal protection for life insurance policy holders in Indonesia, and how the procedure for resolving insurance claims is for life insurance policy holders. The research method used is descriptive-analytical with a normative juridical approach. The results of the study indicate that the regulation regarding legal protection for life insurance policy holders is regulated in the Law of the Republic of Indonesia Number 40 of 2014 concerning Insurance which is described in the Government Regulation of the Republic of Indonesia Number 87 of 2019 concerning Insurance Companies in the Form of Joint Ventures and other implementing regulations. The insurance claim settlement procedure for life insurance policy holders can be carried out if it is in accordance with what is stated in the standard clauses or provisions of the life insurance policy agreement.


Keywords


Protection; Policy Holders; Life Insurance

References


Buku

Abdul R. Saliman, Hukum Bisnis untuk Perusahaan: Teori dan Contoh Kasus, Kencana, Jakarta, 2017.

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Internet

Harwanto Bima Pratomo, 5 Fakta di balik deretan kasus klaim asuransi Allianz Life Indonesia, https://www.merdeka.com/uang/5-fakta-di-balik-deretan-kasus-klaim-asuransi-allianz-life-indonesia.html, diakses pada Bulan Juni 2022.

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Peraturan Perundang-Undangan

Undang-Undang Dasar Negara Republik Indonesia Tahun 1945

Kitab Undang-Undang Hukum Perdata

Kitab Undang-Undang Hukum Dagang

Undang-Undang Republik Indonesia Nomor 8 Tahun 1999 tentang Perlindungan Konsumen

Undang-Undang Republik Indonesia Nomor 40 Tahun 2014 tentang Perasuransian

Peraturan Pemerintah Republik Indonesia Nomor 73 Tahun 1992 tentang Penyelenggaraan Usaha Perasuransian

Peraturan Pemerintah Republik Indonesia Nomor 87 Tahun 2019 tentang Perusahaan Asuransi Berbentuk Usaha Bersama

Peraturan Otoritas Jasa Keuangan Nomor 23/POJK.05/2015 tentang Produk Asuransi dan Pemasaran Produk Asuransi

Peraturan Otoritas Jasa Keuangan Nomor 69/POJK.05/2016 tentang Penyelenggaraan Usaha Perusahaan Asuransi, Perusahaan Asuransi Syariah,




DOI: https://doi.org/10.25134/logika.v13i02.7074

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