Perlindungan Hukum Terhadap Nasabah Asuransi J.S Proteksi Extra Income Ditinjau Dari UU Nomor 40 Tahun 2014 Tentang Usaha Perasuransian (Studi Di PT. Asuransi Jiwasraya Pekanbaru)

A.S, Fredy (2021) Perlindungan Hukum Terhadap Nasabah Asuransi J.S Proteksi Extra Income Ditinjau Dari UU Nomor 40 Tahun 2014 Tentang Usaha Perasuransian (Studi Di PT. Asuransi Jiwasraya Pekanbaru). Other thesis, Universitas Islam Riau.

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Abstract

ABSTRACT Along with the development of the times, the community's need for insurance has also developed. Therefore, many insurance companies are present by offering superior products that have new innovations, such as PT. Jiwasraya Insurance with its superior product, namely JS. Extra Income Protection, where the insurance product is a product in the field of deposits. Insurance Business is clearly regulated in Law Number 40 of 2014. The formulation of the problem in this study is what is the form of legal protection for JS insurance customers. Extra Income Protection if viewed from Law Number 40 of 2014 concerning Insurance Business and what are the obstacles encountered in legal protection efforts for J.S Protection Extra Income insurance customers? The author conducted research using observational research, namely directly going to the field to collect the required data related to the research conducted. By conducting interviews with related parties in this study. Material obtained from primary data is processed then compared with secondary data then conclusions are drawn and described descriptively and analyzed qualitatively. The research results and conclusions are: Legal protection is a form of effort made to provide protection for the community. The results of the study obtained the following conclusions: JS insurance products. Protection Extra Income provides protection for its customers, including ensuring legal protection. Efforts to provide legal protection are in the form of granting rights to customers based on the provisions listed in the Additional Critical Illness Guarantee Attachment. But in reality, not all customers get what is their right in accordance with the provisions stated in the Attachment to the Additional Critical Illness Guarantee. Law Number 40 of 2014 concerning Insurance Business was formed to regulate insurance activities, however in its implementation, Law Number 40 of 2014 concerning Insurance Business is not yet effective enough to provide legal protection for insurance customers, so other laws that are compatible with it are required. and able to complement the Law, namely Law Number 8 Year 1999 regarding Consumer Protection.

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