Pertanggungjawaban Hukum Terhadap Kerugian Pemegang Polis Atas Penolakan Klaim Asuransi Jiwa Ditinjau Dari Undang Undang Perasuransian (Studi Putusan No 4943 K/Pdt/2024)

Abstract

One of the problems in insurance is the rejection of insurance claims. The lack of clarity regarding the policyholder's responsibility for losses resulting from the rejection of insurance claims weakens the policyholder's position. The objectives of this thesis research are: to determine the legal regulations regarding the rights of policyholders and life insurance companies, to determine the legal responsibility of life insurance companies in the event of a rejection of life insurance claims, and the company's legal responsibility based on insurance law, consumer protection law, and POJK No. 8 of 2024 for the rejection of life insurance claims by life insurance companies. The method used in writing this thesis is the normative law research method, namely a method that refers to legal norms carried out by means of literature studies to obtain secondary data in the form of primary, secondary, and tertiary legal materials related to the problem being studied, this research has a descriptive research nature. Drawing conclusions uses deductive drawing. The results of this legal research show that the rights and obligations of policyholders and life insurance companies are regulated by law, and the law strictly protects the rights of policyholders to receive accountability from insurance companies in the event of a denial of insurance claims that is detrimental to the policyholder. Policyholders have the right to obtain transparent information and submit claims legally in accordance with the provisions of the policy. This is legally regulated in Law Number 40 of 2014 concerning Insurance, Law Number 8 of 1999 concerning Consumer Protection and POJK Number 8 of 2024 concerning Insurance Products and Insurance Product Marketing Channels as well as supervision from the Financial Services Authority (OJK). This provides a strong foundation for policyholders to obtain their rights fairly and in accordance with applicable law.