Tinjauan hukum terhadap penerapan prinsip insurable interest dan pihak pihak yang dapat menjadi penerima manfaat (beneficiary) dalam suatu perjanjian asuransi jiwa di Indonesia = Legal review of the implementation of insurable interest principles and approval of parties who may become a beneficiary life insurance contract in Indonesia

Kusumowardhani, Hani (2017) Tinjauan hukum terhadap penerapan prinsip insurable interest dan pihak pihak yang dapat menjadi penerima manfaat (beneficiary) dalam suatu perjanjian asuransi jiwa di Indonesia = Legal review of the implementation of insurable interest principles and approval of parties who may become a beneficiary life insurance contract in Indonesia. Masters thesis, Universitas Pelita Harapan.

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Abstract

Prinsip umum yang berlaku dalam asuransi jiwa yaitu prinsip insurable interest adalah prinsip yang mempertimbangkan kepentingan yang akan diasuransikan dalam penunjukan pihak Penerima Manfaat dari suatu pertanggungan. Di Indonesia dan di negara-negara lainnya, seseorang dapat menjadi Pihak Penerima Manfaat dalam suatu polis asuransi apabila orang tersebut memiliki insurable interest. Insurable interest sendiri dapat lahir karena adanya hubungan atau pertalian keluarga dan juga karena adanya kepentingan ekonomi antara Penerima Manfaat dan Tertanggung. Suatu penunjukan seseorang sebagai Penerima Manfaat yang dilakukan tanpa ada kepentingan ekonomi terhadap Tertanggung pada dasarnya tidak dapat dilakukan di negara-negara tempat asuransi berkembang seperti Inggris. Di Indonesia, penunjukan seseorang sebagai Penerima Manfaat yang dilakukan tanpa adanya motif atau kepentingan ekonomi merupakan tindakan yang tidak melanggar ketentuan hukum karena peraturan perundang-undangan belum secara khusus mengatur mengenai pihak yang dapat ditunjuk menjadi Penerima Manfaat. Kendati tidak melanggar ketentuan hukum di Indonesia, praktik tersebut diduga tidak sesuai dengan prinsip berdasarkan ketentuan yang berkembang dan cenderung dapat menyebabkan penyimpangan dari asuransi sebagai sarana untuk memperoleh keuntungan itu sendiri. Penelitian ini dapat memberikan masukan kepada Lembaga Pengawas Pengatur untuk mulai mengatur penunjukan Pihak yang dapat ditujuk sebagai Penerima Manfaat dalam Perjanjian Asuransi Jiwa di Indonesia untuk mencegah Perjanjian Asuransi Jiwa digunakan untuk mendapatkan keuntungan dan mendukung Industri Perasuransian untuk berkembang / The general principle that applies in life insurance is the insurable interest principle that is a principle which considers interests that will be insured and the appointment of beneficiary in the life insurance contract. In Indonesia and in other countries, a person may be appointed to become a Beneficiary in an insurance policy if the person has an insurable interest. Insurable interest alone can be born due to family relationships or blood relationships and also due to there is an economic interest between the Beneficiary and the Insured. An appointment of a person as a Beneficiary made without any economic interest to the Insured is essentially unenforceable in countries where insurance is developing like the UK. In Indonesia, the appointment of a person as a Beneficiary undertaken without any motive or economic interest is an action that does not violate the provisions of the law because the laws and regulations have not specifically regulated parties who can be appointed as Beneficiary. Although it does not violate the legal provisions in Indonesia, the practice is allegedly incompatible with the principles under developing provisions and tends to lead to become tools of obtaining profit only. This research may provide input to the Regulatory Supervisory Board to begin to regulate the appointment of a Person who may be appointed as Beneficiary in the Life Insurance Contract in Indonesia to prevent the Life Insurance Agreement being used for taking profit and to support the Insurance Industry to develop

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