Perlindungan Hukum Terhadap Pemegang Polis Akibat Penolakan Klaim Pada Asuransi Proteksi Extra Income Platinum di PT. Asuransi Jiwasraya Pekanbaru

Nadeak, Rantika (2021) Perlindungan Hukum Terhadap Pemegang Polis Akibat Penolakan Klaim Pada Asuransi Proteksi Extra Income Platinum di PT. Asuransi Jiwasraya Pekanbaru. Other thesis, Universitas Islam Riau.

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Abstract

Insurance is one of today's human needs, it can be seen that insurance can provide protection in the transfer of risks experienced by every human being where an uncertain event occurs, but there are problems that occur, namely the insured party violates the agreed policy, the action of the insured the insured party is dishonest in conveying information in the history of the disease, as a result the policy becomes void and the insured party cannot file a claim. The main problem in this study is how the form of legal protection due to the rejection of claims against the Extra Income Platinum Protection insurance policy holder at PT. Asuransi Jiwasraya Pekanbaru and how are the obstacles in obtaining legal protection due to refusal of claims on Extra Income Protection insurance at PT. Asuransi Jiwasraya Pekanbaru. The type of research used in this research is observational legal research, namely by conducting surveys, while its descriptive nature is research that aims to provide a more precise and concrete picture. The results of the research that the authors get regarding legal protection for policyholders due to refusal of claims on extra income platinum protection insurance at PT. Asuransi Jiwasraya Pekanbaru is a repressive legal protection, where this protection occurs when there is a violation which can be in the form of sanctions or fines. In this study, there were violations committed by policy holders, and they were proven to be dishonest in providing information to the policy. The insured party does not carry out its obligations honestly and correctly so that the policy will become inactive. Even though the insured wants to file a claim, it will definitely be rejected by the insurer because the policy is no longer active. If the policy is not active then the policy will not be used again. So the insured only receives premiums that have been paid so far from the insurance company. It is better for the insured party to carry out their obligations properly and honestly. Insurers also have an obligation to provide protection and a sense of security to the insured. As for the obstacles in obtaining legal protection due to claim refusal, namely the standard policy, the policy holder does not have the opportunity to bargain further, as well as the weaknesses of the insured party in the fields of education, economics, bargaining power. policy by means of non-litigation, namely all existing disputes from the coverage if problems occur in its implementation. Keywords: Life Insurance, Policy, Insurer, Insured.

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