Valerie, Vincent (2016) Studi kasus tentang upaya hukum bagi pemegang polis asuransi yang mengalami pemutusan sepihak ditinjau dari peraturan Otoritas Jasa Keuangan tentang perlindungan konsumen sektor jasa keuangan. Bachelor thesis, Universitas Pelita Harapan.
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Abstract
Penelitian ini membahas tentang upaya hukum oleh para pemegang polis asuransi yang mengalami pemutusan polis secara sepihak oleh penanggung / perusahaan asuransi. Penelitian ini mengguakan Metode Yuridis Normatif / doktrinal dimana hukum berfungi sebagai norma (Law in book) yaitu dengan cara studi pustaka, melihat hukum sebagai fungsi norma. Pendekatan yang dilakukan adalah pendekatan Undang-Undang (Statue Approach), pendekatan konsepsual yang mengkaji teori para ahli hukum (Conceptual Approach) dan pendekatan kasus (Case Approach). Pertanggungjawaban Otoritas Jasa Keuangan (OJK) dan Perusahaan asuransi serta upaya hukum atas kasus pemutusan polis sepihak yang mengacu pada klausula baku dinilai merugikan para pemegang polis akan menjadi pembahasan utama dari skripsi ini. Penelitian ini bertujuan untuk mengetahui ada tidaknya praktek semenamena dari perusahaan-perusahaan asuransi di Indonesia dan ketidakcakapan OJK dalam menegakan peraturan perlindungan konsumen sektor jasa keuangan. Hasil penelitian menunjukkan bahwa hukum perlindungan konsumen sektor jasa keuangan dinilai hanya kalimat di atas kertas yang tidak ada penerapan riil nya. Terlalu banyak kasus pemutusan polis secara sepihak dimana pemegang polis / tertanggung berakhir harus menerima pemutusan tersebut tanpa ada perlawanan yang cukup berarti. / This study discusses the legal efforts by policyholders who underwent termination of the policy unilaterally by the insurer / insurers. This study uses the method of normative juridical / doctrinal where as functioning legal norms (Law in the book) is by way of literature study, see the law as a function of the norm. The approach taken is the approach of the Act (Statue Approach), conceptual approaches that study jurists’ theory (Conceptual Approach) and the approach of the case (Case Approach). Accountability Financial Services Authority (FSA) and the insurance company and legal efforts on cases involving termination of a unilateral policy that refers to the standard clauses detrimental to the policyholder will be the main discussion of this thesis. This study aims to determine whether there are arbitrary practices of insurance companies in Indonesia and incompetence FSA in enforcing consumer protection rules the financial services sector. The results showed that the consumer protection law the financial services sector is rated only a sentence on paper that is not his real application. Too many cases of unilateral termination policies where the policyholder / insured must accept the outage ended without any significant resistance.
Item Type: | Thesis (Bachelor) | ||||||||||||
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Uncontrolled Keywords: | polis; asuransi; perusahaan asuransi; ojk; pemegang polis; tertanggung; klausula baku; policy; insurance companies; fsa; policyholders; insured; main clause | ||||||||||||
Subjects: | K Law > K Law (General) | ||||||||||||
Divisions: | University Subject > Current > Faculty/School - UPH Surabaya > Faculty of Law > 74201 - Department of Law Current > Faculty/School - UPH Surabaya > Faculty of Law > 74201 - Department of Law |
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Depositing User: | Rafael Rudy | ||||||||||||
Date Deposited: | 16 Jan 2024 06:35 | ||||||||||||
Last Modified: | 16 Jan 2024 06:35 | ||||||||||||
URI: | http://repository.uph.edu/id/eprint/60228 |
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