Perlindungan hukum bagi pemegang polis asuransi elektronik (e-polis) yang diperoleh dari transaksi elektronik

Natali, Nency (2023) Perlindungan hukum bagi pemegang polis asuransi elektronik (e-polis) yang diperoleh dari transaksi elektronik. Masters thesis, Universitas Pelita Harapan.

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Abstract

Polis asuransi adalah dasar dari suatu hubungan asuransi antara para pihak yang terlibat di dalamnya, yang meliputi penanggung, tertanggung, peserta, dan/atau pemegang polis. Seiring dengan kemajuan zaman dan perkembangan teknologi, polis asuransi pada saat ini tidak hanya berbentuk fisik (hardcopy), melainkan juga dalam bentuk elektronik (e-Polis) atau dalam bentuk digital (softcopy). Tesis ini membahas mengenai pengaturan polis asuransi elektronik (e-Polis) di Indonesia, serta bagaimana kekuatan pembuktian dari polis asuransi elektronik (e-Polis) dalam hal terjadi sengketa antara penanggung dengan tertanggung, peserta, dan/atau pemegang polis. Metode penulisan yang digunakan adalah metode yuridis normatif empiris, dengan mengutamakan pendekatan terhadap asas konsensual yaitu adanya kesepakatan kedua belah pihak yang digunakan sebagai pisau analisa untuk menganalisis polis asuransi elektronik (e-Polis) tersebut. Keberadaan polis asuransi elektronik (e-Polis) sejatinya sudah diatur di dalam Peraturan Otoritas Jasa Keuangan No. 23/POJK.05/2015 tentang Produk Asuransi dan Pemasaran Produk Asuransi, dan dianggap sama seperti polis asuransi konvensional, serta memiliki kekuatan pembuktian dan keabsahan sebagai dasar hubungan asuransi antara penanggung dengan tertanggung, peserta, dan/atau pemegang polis sepanjang telah memperoleh persetujuan dari tertanggung, peserta, dan/atau pemegang polis mengenai penerbitannya secara elektronik. Namun demikian masih terdapat celah hukum, dimana pengaturan mengenai polis asuransi elektronik (e-Polis) belum diatur secara jelas di dalam ketentuan perundang-undangan di Indonesia. / Insurance policy is the basis of an insurance relation between the parties therein, which consist of the insurer, the insured, the participant, and/or the policy holder. In line with the times and the development of technology, the existence of insurance policies nowadays is not only in the physical form (hardcopy), but also in the electronic form (e-Policy/softcopy). This thesis will explore the issues of the electronic insurance policy in Indonesia, as well as the legitimacy of the electronic insurance policy as evidence in terms of a dispute among the insured and the insured, the participant, and/or the policy holder. The method used in this thesis is the empirical normative juridical method, prioritizing an approach to the consensual principle, namely the existence of an agreement between both parties which is used as an analytical tool to analyze the electronic insurance policy (e-Polis). The existence of electronic insurance policies (e-Polis) is actually regulated in Financial Services Authority Regulation no. 23/POJK.05/2015 concerning Insurance Products and The Marketing of Insurance Products, and is considered equal to the conventional insurance policy, and has its legitimacy and validity as the basis of the insurance relation among the insurer and the insured, the participant, and/or the policy holder as long as it has obtained approvals from the insured, the participant, and/or the policy holder for its issuance. However, there is still a legal gap, where the regulations regarding electronic insurance policies (e-Polis) have not been clearly regulated in Indonesia legislation.

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