Pelindungan Hukum terhadap Penerima Manfaat Asuransi Atas Penolakan Pembayaran Klaim oleh Perusahaan Asuransi Jiwa (Studi Putusan Nomor 38/Pdt.G/2023/Pn Tgl)

Abstract

There are often complaints from clients of life insurance companies that the submission of claims takes a very long time and is not simple by the life insurance company concerned. This is what causes the dispute. As in the case in the Tegal District Court Decision Number 38/Pdt.G/2023/PN Tgl regarding the rejection of life insurance claims against the insured who had died filed by his heirs. This research aims to find out the reason why the Insurer rejects the claim filed by the Heirs of the Insured who has died and to find out the legal protection of life insurance beneficiaries if the Insurer is proven to have committed an act of default on the claim filed by the Heirs of the Insured who has died, and to find out the Legal Considerations of the Panel of Judges regarding the Insurer's default on the claim filed by the Heirs of the Insured who has died based on the legal considerations. Decision of Tegal District Court Number 38/Pdt.G/2023/PN Tgl. The research method used in this research is a type of normative legal research method using secondary data consisting of primary, secondary, and tertiary legal materials. The data collection methods used are literature study and document study. Data analysis in this research is carried out with qualitative methods. The results showed that the reason for the rejection of the claim made by the Insurer was because the Insured was not honest in giving the statement contained in the Life Insurance Request Letter. However, this cannot be proven by the life insurance company. The legal protection for the act of default stated by the Panel of Judges in the case a quo is that the Defendant is punished to compensate the Plaintiffs in accordance with applicable laws and regulations