Direct Selling dalam Usaha Perasuransian Perspektif Hukum Islam

Seri Utami Ningsih, Sh

doi:10.32505/muamalat.v5i1.1504

Abstract

Insurance companies such as PT. Life Insurance Central Asia Raya, PT. Prudential Life Insurance, PT. Generali Indonesia Life Insurance, PT. Tugu Mandiri Life Insurance, PT. MNC Life Insurance, PT. Asuransi Jiwasraya (Persero), and PT. Sequis Life Life Insurance has marketed one of its insurance products with a direct sales system or better known as direct selling. Direct selling does not include the marketing channels stipulated in the Financial Services Authority Regulation (POJK) No. 23 of 2015 concerning Insurance Products and Marketing of Insurance Products. Based on the POJK, direct selling practiced by insurance companies is illegal. Direct selling is developed by insurance agents by recruiting insurance agents in a row. Otoritas Jasa Keuangan (OJK) confirms direct selling as the development of insurance marketing methods. Supervision is unmindful of the principle of legal certainty, professionalism, and openness. In sadd az}-z}ariah, negligent supervision of the OJK is an act that endangers health insurance. OJK must review the direct selling marketing developed by insurance agents further

Highlights

Direct selling does not include the marketing channels stipulated in the Financial Services Authority Regulation (POJK) No 23 of 2015 concerning Insurance Products and Marketing of Insurance Products
Based on the Peraturan Otoritas Jasa Keuangan (POJK), direct selling practiced by insurance companies is illegal
Direct selling is developed by insurance agents by recruiting insurance agents in a row

Summary

Introduction

Direct selling bukan termasuk saluran pemasaran yang ditetapkan dalam Peraturan Otoritas Jasa Keuangan (POJK) Nomor 23 Tahun 2015 tentang Produk Asuransi dan Pemasaran Produk Asuransi. Pasal 45 ayat (1) Peraturan Otoritas Jasa Keuangan (POJK) Nomor 23 Tahun 2015 tentang Produk Asuransi dan Pemasaran Produk Asuransi mengatur pemasaran produk asuransi hanya dapat dipasarkan melalui empat saluran, yaitu secara langsung (direct marketing), agen asuransi, bancassurance, dan badan usaha selain bank. Praktik pemasaran direct selling yang dilakukan oleh agen beberapa perusahaan asuransi merupakan saluran pemasaran yang tidak ditetapkan dalam POJK.

Results

Conclusion