Pertanggungjawaban perusahaan asuransi yang digugat PKPU oleh pemegang polis

Thiodoris, Yosep Charlie (2021) Pertanggungjawaban perusahaan asuransi yang digugat PKPU oleh pemegang polis. Bachelor thesis, Universitas Pelita Harapan.

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Abstract

Penelitian ini membahas mengenai pertanggungjawaban perusahaan asuransi yang digugat PKPU oleh pemegang polis, dalam ini asuransi adalah perjanjian antara pemegang polis dan pihak perusahaan asuransi. Pelaksanaan perjanjian asuransi antara pemegang polis dan perusahaan asuransi seringkali timpang, dimana klaim yang diajukan oleh pemegang polis asuransi terhadap perusahaan asuransi tidak jarang berbelit-belit dan ditolak dengan berbagai alasan, sehingga perlindungan bagi kepentingan pemegang polis asuransi menjadi bagian penting. Pada dasarnya menurut Undang-Undang No. 40 Tahun 2014 Tentang Perasuransian, Perusahaan asuransi wajib bertanggungjawab atas pembayaran klaim kepada pemegang polis. Tujuan dari penelitian adalah untuk mengetahui aturan hukum mengenai perlindungan kepada pemegang polis yang klaimnya tidak dibayar oleh perusahaan asuransi berdasarkan Undang-Undang No. 37 Tahun 2004 Tentang Kepailitan dan Penundaan Kewajiban Pembayaran Utang dan Undang-Undang No. 40 Tahun 2014 Tentang Perasuransian. Metode yang digunakan dalam penulisan ini merupakan metode penelitian yuridis normatif. Dalam kaitannya dengan penelitian normatif, penelitian ini menggunakan beberapa pendekatan yaitu pendekatan perundang-undangan (statute approach). Pendekatan konseptual (conceptual approach), Hasil penelitian ini menunjukan bahwa pertanggungjawaban perusahaan asuransi kepada pemegang polis yang digugat PKPU berdasarkan UU No. 40 Tahun 2014 yaitu pemegang polis berhak mendapatkan pembayaran klaim dari perusahaan asuransi dan juga berdasarkan pengaturan hukum UU No.37 Tahun 2004 Tentang Kepailitan dan Penundaan Kewajiban Pembayaran Utang mengatur mengenai perusahaan yang digugat PKPU./ This study discusses the liability of the insurance company that was sued by PKPU by the policy holder, in this case insurance is an agreement between the policy holder and the insurance company. The implementation of insurance agreements between policy holders and insurance companies is often unequal, where claims submitted by insurance policy holders against insurance companies are often convoluted and rejected for various reasons, so that protection for the interests of insurance policy holders becomes an important part. according to Law no. 40 of 2014 about Insurance, insurance companies are required to be responsible for payment of claims to policyholders. The purpose of this research is to find out the legal rules of protection to policyholders whose claims are not paid by insurance companies based on Law no. 37 of 2004 about Bankruptcy and Suspension of Debt Payment Obligations and Law no. 40 of 2014 about Insurance. The method used in this paper is a normative juridical research method. In relation to normative research, this research uses several approaches, the statutory approach. Conceptual approach. The results of this study show that the liability of insurance companies to policyholders who are being sued by PKPU based on Law no. 40 of 2014 that policyholders are entitled to claim payments from insurance companies and also based on the legal provisions of Law No. 37 of 2004 about Bankruptcy and Postponement of Obligation to Pay Debts, which regulates the company being sued by PKPU.

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