Tanggung Jawab Hukum Penanggung Atas Penolakan Klaim Asuransi Jiwa dengan Alasan Tertanggung yang Mengalami Penyakit Gangguan Jiwa yang Tidak Dapat Dibuktikan di Pengadilan (Studi Putusan Nomor 84/Pdt.G/2024/PN. Rap)

Abstract

Insurance is an important instrument in risk management that provides protection against financial losses caused by unforeseen events. However, in practice, not all insurance claims are approved by the insurer, leading to legal issues and uncertainty for policyholders. This is exemplified in the case of Decision Number 84/Pdt.G/2024/PN. Rap between Desiandriani Pasaribu and PT. Panin Dai-Ichi Life. This study aims to analyze the regulation prohibiting the termination of life insurance policies for insured persons with mental disorders, understand the legal responsibilities of the insurer, and analyze the legal considerations of the panel of judges in Decision Number 84/Pdt.G/2024/PN. Rap. This research uses a normative juridical method with a statutory and case approach. The data used are secondary data collected through literature studies and analyzed qualitatively. The results show that people with mental disorders have rights protected under the Mental Health Law No. 18 of 2014, including the right to legal protection and healthcare services. The termination of life insurance policies for insured persons with mental disorders must not be done arbitrarily without valid guardianship procedures and good faith from the insurer. The rejection of life insurance claims on the grounds of mental disorders without valid medical evidence constitutes a breach of contract and violation of the principle of good faith, thus the insurer is obliged to pay the claim if the insured meets the policy requirements. The Rantau Prapat District Court Decision Number 84/Pdt.G/2024/PN. Rap affirms that the rejection of claims based on alleged mental disorders without competent medical evidence is invalid and classified as a breach of contract, strengthening legal protection for policyholders and the principle of proof in life insurance disputes. Keywords: Life Insurance, Breach of Contract, Claim Rejection.