Keseimbangan Hak dan Kewajiban dalam Perjanjian Asuransi Perlindungan Uang Tunai (Studi Pada PT. Asuransi Bangun Askrida dan PT. Bank Sumut Kantor Pusat)

Abstract

One form of agreement is in the form of cash protection insurance agreement between banks and insurance companies, where the cash insurance agreement contains a balance of rights and obligations between the parties, namely between PT. Bank Sumut and PT. Asuransi Bangun Askrida. The problem studied is the arrangement in the cash insurance agreement between PT. Bank Sumut and the insurance company PT. Asuransi Bangun Askrida, the balance of rights and obligations of the parties to the cash insurance agreement between PT. Bank Sumut and the insurance company PT. Asuransi Bangun Askrida, and the implementation of the fulfillment of protection against cash in the bank guaranteed by the insurance company PT. Asuransi Bangun Askrida at PT. Bank Sumut. The research method used in this thesis is the type of normative juridical research, the nature of the research is descriptive, the research approach is a statutory approach and a conceptual approach. The data used in this research is primary data collected through interviews with employees of PT. Bank Sumut Head Office and employees of PT. Asuransi Bangun Askrida and using secondary data. The data collection techniques in the form of literature study and field research and data collection tools in the form of document study and interviews. This research focuses that the cash insurance agreement between PT. Bank Sumut and PT. Bangun Askrida Insurance is an insurance agreement that is subject to the valid terms of the agreement in Article 1320 of the Civil Code. In the context of the balance of rights and obligations in the agreement, PT. Bank Sumut has the main obligation to pay insurance premiums in a timely manner and submit claims accompanied by supporting documents for claims, where in return PT. Bank Sumut is entitled to obtain protection guarantees for the risk of loss or damage to cash and get compensation. As for PT. Asuransi Bangun Askrida is obliged to provide protection guarantees in accordance with those stated in the money insurance policy, where in return PT. Asuransi Bangun Askrida is entitled to receive premium payments in accordance with the coverage value.