Perlindungan Nasabah Asuransi Jiwa Terhadap Penanggung Yang Gagal Bayar

Susanto, Angga Hendiarto (2024) Perlindungan Nasabah Asuransi Jiwa Terhadap Penanggung Yang Gagal Bayar. Masters (S2) thesis, Wijaya Kusuma Surabaya University.

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Abstract

A phenomenon that is currently being hit hard by the world of insurance is that many insurance companies are experiencing problems with non-payment. The problem of default is a situation where the insurance company cannot fulfill its obligations regarding customer funds that it has entrusted to manage. This research with the title "Protection for Life Insurance Customers Against Insurers Who Fail to Pay" analyzes the form of legal protection for insurance customers who experience default by Insurance Companies. Research is a type of normative legal research. By using two problem approaches, the first is the statutory approach. Second, the conceptual approach. Sources of legal materials include primary and secondary legal materials. The results of this research found that the consequences of non-fulfillment of obligations by insurance companies regarding customer funds that were entrusted to be managed were caused by internal company factors and weak supervisory institutions which had an impact that could influence insurance customers' failure to pay. So legal protection is very necessary for insurance customers. Customers receive legal protection. When a dispute or conflict arises between an insurance policy holder and an insurance company, in accordance with its function, duties and authority, the Financial Services Authority carries out a mechanism for resolving consumer disputes either through justice or litigation, or extrajudicial or non-litigation dispute resolution. Based on the conditions above, one of the suggestions that can be given to protect insurance customers is through the implementation of a policy guarantee program which aims to protect policy holders, insureds or participants from insurance companies. Other efforts include strict supervision of insurance companies by the OJK to foster public trust in the insurance industry and strengthening consumer protection regulations in the financial sector. Keywords: Legal Protection, Insurance Company, Life Insurance Customer

Item Type:	Thesis (Masters (S2))
Uncontrolled Keywords:	Perlindungan Hukum, Perusahaan Asuransi, Nasabah Asuransi Jiwa
Subjects:	K Law > K Law (General)
Divisions:	Faculty of Law > Master in Law Sciences Study Program
Depositing User:	00 Perpustakaan UWKS UWKS
Date Deposited:	26 Apr 2024 02:51
Last Modified:	26 Apr 2024 02:51
URI:	http://erepository.uwks.ac.id/id/eprint/18066

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