AKIBAT HUKUM BAGI NASABAH ASURANSI SELAKU DEBITUR TERHADAP PENOLAKAN KLAIM ASURANSI JIWA PADA PT. BANK RAKYAT INDONESIA Tbk (PERSERO) CABANG LAHAT

EL-KHALIEQY, ABIDAH and Febrian, Febrian and Hamid, Kms. Abdullah (2022) AKIBAT HUKUM BAGI NASABAH ASURANSI SELAKU DEBITUR TERHADAP PENOLAKAN KLAIM ASURANSI JIWA PADA PT. BANK RAKYAT INDONESIA Tbk (PERSERO) CABANG LAHAT. Undergraduate thesis, Sriwijaya University.

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Abstract

ABSTRAK Persoalan mengenai asuransi masih senantiasa menghantui masyarakat, ketidakpercayaan masyarakat akan lembaga asuransi ini sering kali timbul karena mereka tidak dapat memanfaatkan nilai ekonomis dari apa yang mereka perjuangkan, seolah hak mereka diberantas padahal kesalahan mereka yang lalai membaca kontrak premi asuransi. Penelitian ini merupakan penelitian normatif yang dilakukan dengan cara menelaah Peraturan Perundang-Undangan, karya ilmiah, buku-buku, jurnal yang berkaitan dengan tema penulisan dengan kata lain menelaah bahan pustaka atau data sekunder. Penelitian ini menggunakan pendekatan konseptual, perundang-undangan, kasus. Penyelesaian permasalahan megenani klaim asuransi jiwa yang ditolak tidak mendapatkan jalan keluar yang cukup baik karena dalam proses pelaksanaannya, perjanjian asuransi terkonsep dan baku pada apa yang tertera dalam premi asuransi yang dibeli, seharusnya dalam proses pembelian premi, antara perusahaan asuransi dan pengguna asuransi saling terbuka, dan perusahaan asuransi memberikan penyuluhan hukum agar masyarakat awam yang juga menggunakan jasa asuransi dapat memahami prosedur dan isi dari kontrak yang diperjanjikan, karena ketika klaim asuransi ditolak maka yang dirugikan adalah pengguna asuransi karena telah menaruh harap yang besar pada asuransi namun tidak dapat meminta pemenuhan haknya. Persoalan ini berakibat pada munculnya rasa tidak percaya masyarakat akan lembaga asuransi serta menimbulkan rasa ketidakadilan dimana masyarakat pengguna asuransi sudah membayar premi namun tidak bisa memanfaatkannya, disinilah letak ketentuan peratruran hukum seharusnya mengedepankan prinsip keadilan dan kemanfaatan hukum bukan malah statis hingga merugikan masyarakat. Kata Kunci: Asuransi; Debitur; Klaim; ganti rugi; ABSTRACT The issue of insurance still haunts the public, public distrust towards the insurance institution often arises because they cannot take advantage of the economic value of what they are fighting for, as if their rights are being eradicated even though it is their fault who neglects in reading the insurance premium contract. This research is a normative research that was conducted by examining the Laws and Regulations, scientific papers, books, journals related to the theme of this writing in other words by examining literature materials or secondary data. This study used a conceptual approach, legislation, and cases. The resolution of the problems regarding rejected life insurance claim did not get a good enough solution because in the process of implementing it, the insurance agreement was conceptualized and standardized on what is stated in the insurance premium purchased, while in the process of purchasing premiums, the insurance company and the insurance customer should be mutually open, and insurance companies should provide legal counseling so that common people who also use insurance services can understand the procedures and contents of the promised contract, because when an insurance claim is rejected, the insurance customer loses because a lot of hope that put in the insurance but cannot ask for the fulfillment of their rights. This problem resulted in the emergence of public distrust of insurance institutions and created a sense of injustice where the insurance customer community had paid premiums but could not take advantage of it. Herein lays the provision of legal regulations that should prioritize the principles of justice and legal benefit, and not being static or even detrimental to the society. Keywords: Insurance; Debtor; Claim; compensation;

Item Type: Thesis (Undergraduate)
Uncontrolled Keywords: Asuransi; Debitur; Klaim; Ganti rugi;
Subjects: K Law > K Law (General) > K100-103 Legal education
K Law > K Law (General) > K1066-1089 Banking
K Law > K Law (General) > K3150 Public law
Divisions: 02-Faculty of Law > 74102-Notarial Law (S2)
Depositing User: ABIDAH EL - KHALIEQY
Date Deposited: 05 Aug 2022 05:06
Last Modified: 05 Aug 2022 05:06
URI: http://repository.unsri.ac.id/id/eprint/76151

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