Abstract
Legal protection for insurance policyholders is essential because it is associated with standard agreements in insurance agreements. In essence, since the signing of the insurance policy, the insured has received less legal protection because the content or format of the agreement is more beneficial to the insurance company. The unequal position between insurance policyholders and insurance companies and the application of standard agreements causes the function of legal protection for insurance policyholders to be questioned. This study discusses how the legal protection for insurance customer losses against default cases in terms of Law Number 8 of 1999 concerning Consumer Protection and the obstacles in legal protection for insurance customer losses against default cases in Law Number 8 of 1999 About Consumer Protection. The method used in this research is the normative juridical method carried out through a literature study that examines secondary data. Insurance customers, in this case, are consumers who use insurance services which, in carrying out their activities, have the right to obtain legal protection from anything that will harm the consumer. Law Number 8 of 1999 concerning Consumer Protection has clearly stated the legal protection provided for consumers using services or insurance customers, namely by making every effort to achieve legal protection for customers.Keywords: Legal Protection, Insurance, Default
Highlights
essential because it is associated with standard agreements in insurance agreements
received less legal protection because the content or format of the agreement is more beneficial to the insurance company
the application of standard agreements causes the function of legal protection for insurance policyholders to be questioned
Summary
Manusia dibelahan dunia manapun setiap saat dihampiri oleh musibah maupun risiko yang datang silih berganti, hal ini perlu ditanggulangi oleh para pihak sehingga dana yang telah dialokasikan untuk kebutuhan yang sudah ditetapkan tidak hilang. Asuransi berdasarkan pada Pasal 1 Angka 1 Undang-undang Nomor 40 Tahun 2014 tentang Perasuransian atau pertanggungan secara umum adalah perjanjian antara dua pihak yaitu perusahaan asuransi dan pemegang polis, yang menjadi dasar bagi pemerimaan premi oleh perusahaan asuransi. Kasus klaim yang ditolak menimbulkan ketidakpuasan konsumen dan apabila hal ini terjadi kebanyakan konsumen tidak bisa berbuat banyak. Pada tahun 2008 perusahaan asuransi Bakrie Life gagal bayar untuk produk asuransi jiwa berbasis investasi dengan produk “Diamond Investa”, kegagalan bayar ini menurut pihak Bakrie Life diakibatkan oleh krisis keuangan yang membuat investasi rontok dan mengakibatkan dana nasabah sebanyak Rp. 360 Milyar hilang tidak kembali. Permasalahan ini pun berlanjut pada perusahaan AJB Bumiputera dan Asuransi Jiwasraya menjadi perusahaan yang mengalami kegagalan membayar kewajiban kepada para pemegang polis.[1].
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