Analisa Yuridis Keterlambatan Pembayaran Manfaat Asuransi Jiwa PT. Asuransi Jiwasraya
DOI:
https://doi.org/10.31328/wy.v5i1.2530Keywords:
Delay, Payment of Benefits, InsuranceAbstract
This study aims to analyze the causes of non-fulfillment of life insurance benefit payments at PT. Asuransi Jiwasraya in the perspective of positive law that applies in Indonesia and the efforts taken by PT. Asuransi Jiwasraya in late payment of life insurance benefits. This study uses a normative juridical research method, where the legal problems that occur will be analyzed by the authors using a statutory approach and literature study. The results of this study indicate PT. Asuransi Jiwasraya does not fulfill the benefits of its customers, because it shows that they are in default on the policy agreement that has been agreed upon by PT. Asuransi Jiwasraya with customers, because of their carelessness in investing customer money which resulted in customers failing to get the benefits. The responsibilities carried out by PT. Asuransi Jiwasraya in accordance with the PT. Asuransi Jiwasraya with customers that if there is a dispute, the settlement will be carried out through deliberation, mediation, reporting to the OJK, legal channels or the courts. The settlement efforts did not result in deliberation, failed mediation and no administrative sanctions were imposed by the OJK, and there were also no claims for default from the courts. There is no dispute resolution contained in the policy agreement that brings results to get customer benefits. The solution from the author should be if PT. Asuransi Jiwasraya cannot pay the benefits directly, it can be done in stages with the customer's approval.References
Buku
Asikin, Zainal. (2013). Hukum Dagang Cet.1, Jakarta: Rajawali Pers.
Amiruddin, Zainal Asikin, (2016). Pengantar Metode Penelitian Hukum, Jakarta: Rajawali Pers.
Danarti,Dessy. (2011). Jurus Pintar Asuransi Agar Anda Tenang, Aman Dan Nyaman, Jakarta: Gramedia.
Imbawani Djoko, (2011). Hukum Dagang Indonesia, Yogyakarta: Setara Press.
Junaedy A Ganie. (2013). Hukum Asuransi Indonesia. Bandung: Sinar Grafika.
Miru Ahmadi, (2007). Hukum Kontrak dan Perancangan Kontrak, Jakarta: Rajawali Persada.
Muhammad, Abdulkadir. (2015). Hukum Asuransi Indonesia, Bandung: Citra Aditya Bakti.
Prakoso Djoko dan I Ketut Murtika, (1989). Hukum Asuransi Indonesia, Jakarta: Bina Aksara.
Rejeki Sri Hartono, (1992). Hukum Asuransi Dan Perusahaan Asuransi, Bandung: Sinar Grafika.
Sastrawidjaja, (2003). Aspek-Aspek Hukum Asuransi dan Surat Berharga, Jakarta: Alumni.
Soemitra A. (2010). Bank & Lembaga Keuangan Syariah, Jakarta: Kencana Prenada Media.
Rastuti, Tuti. (2011). Aspek Hukum Perjanjian Asuransi, Yogyakarta:Pustaka Yustia
Artikel Jurnal
Andi Muhammad Reza Pahlevi N, Fandi Ramadhan. (2018) â€Proses Penyelesaian Sengketa Perasuransian Di Badan Mediasi Dan Arbitrase Asuransi Indonesia (BMAIâ€). Jurnal Binamulia Hukum, Vol 7. No.2.
Dudi Badruzaman, (2019), Perlindungan Hukum Tertanggung dalam Pembayaran Klaim Asuransi Jiwa, Jurnal Hukum Ekonomi Syariah. Vol.3 Nomor 1.
Henry K.V. Paendong. (2013). “Perlindungan Pemegang Polis Pada Asuransi Jiwa Di Kaitkan Dengan Nilai Investasiâ€. Jurnal Hukum Unsrat Vol.I/No.6/Oktober-Desember /2013 Edisi Khusus.
Muhammad Thariq, Sukirno, Paramita Prananingtyas. (2020) “Pelaksanaan Pengawasan Asuransi Jiwasraya Oleh Ojk Provinsi Sumatera Barat Di Kota Padangâ€. Jurnal Notarius Vol 13 Nomor 1.
Nidya Waras Sayekti. (2020) “Permasalahan PT. Asuransi Jiwasraya: Pembubaran atau Penyelamatanâ€.. Bidang Ekonomi dan Kebijakan Publik Vol XII Nomor 2.
Wahyu Eko Nugroho, Rinitami Njatrijani, Paramita Prananingtyas. (2016) “Peran Badan Mediasi Dan Arbitrase Asuransi Indonesia Dalam Penyelesaian Sengketa Klaim Asuransi Jiwa Atas Bukti Klaim “Apa Adanyaâ€. Diponegoro Law Journal. Vol.5. No.3.
Internet
Wibi Pangestu P, (2019). Ini Kisah Produk JS Plan yang Bikin Jiwaraya Hancur. Diambil Kamis, 03 Juni 2021.
https://finansial.bisnis.com/read/20191223/215/1183867/ini-kisah-produk-js-plan-yang-bikin-jiwasraya-hancur.
PT. Asuransi Jiwasraya. (2018). Syarat dan Ketentuan JS Plan PT. Asuransi Jiwasraya,(2018) diakses pada Selasa, 25 Mei 2021.
https://www.jiwasraya.co.id/?q=id/product/bancassurance/js-proteksi-plan,
Peraturan Perundang-Undangan
Kitab Undang-Undang Hukum Perdata
Kitab Undang-Undang Hukum Dagang
Undang-Undang Nomor 40 Tahun 2014 tentang Perasuransian. (Tambahan Lembar Negara Republik Indonesia Tahun 2014 Nomor 5618)
Undang-Undang Nomor 21 Tahun 2011 tentang Otoritas Jasa Keuangan. (Tambahan Lembar Negara Republik Indonesia Tahun 2011 Nomor 5253)
Undang-Undang Nomor 2 Tahun 1992 tentang Usaha Asuransi. (Tambahan Lembar Negara Republik Indonesia Tahun 1992 Nomor 3467)
Peraturan Pemerintah Nomor 73 Tahun 1992 tentang Penyelenggaraan Usaha Perasuransian sebagaimana telah beberapa kali diubah terakhir dengan Peraturan Pemerintah Nomor 81 Tahun 2008 Tentang Perubahan Ketiga Atas Peraturan Pemerintah Nomor 73 Tahun 1992 Tentang Penyelenggaraan Usaha Perasuransian.
Keputusan Menteri Keuangan Republik Indonesia No 442/KMK.06/2003 tentang Penyelenggaraan Usaha Perushaan Asuransi dan Perusahaan Reasuransi.
Peraturan Pemerintah Nomor 71 Tahun 2016 Tentang Kesehatan Keuangan Perusahaan Asuransi dan Perusahaan Reasuransi (Lembaran Negara Republikindonesia Tahun 2016 Nomor 323)
Downloads
Published
How to Cite
Issue
Section
License
AttributionYou must give appropriate credit, provide a link to the license, and indicate if changes were made. You may do so in any reasonable manner, but not in any way that suggests the licensor endorses you or your use.
ShareAlike If you remix, transform, or build upon the material, you must distribute your contributions under the same license as the original.
Widya Yuridika: Jurnal Hukum allows readers to read, download, copy, distribute, print, search, or link to its articles' full texts and allows readers to use them for any other lawful purpose. The journal allows the author(s) to hold the copyright without restrictions. Finally, the journal allows the author(s) to retain publishing rights without restrictions
- Authors are allowed to archive their submitted article in an open access repository
- Authors are allowed to archive the final published article in an open access repository with an acknowledgment of its initial publication in this journal
========================================
Editor-in-Chief
Widya Yuridika: Journal of Law.
Faculty of Law, Universitas Widya Gama, Malang, Indonesia.
