AKIBAT HUKUM PENUNGGAKAN PREMI ASURANSI JIWA DITINJAU MENURUT UNDANG-UNDANG NOMOR 40 TAHUN 2014 (STUDI KASUS DI PT. ALLIANZ LIFE INDONESIA CABANG PEKANBARU)

PUTRI, NATASHA AULIA (2019) AKIBAT HUKUM PENUNGGAKAN PREMI ASURANSI JIWA DITINJAU MENURUT UNDANG-UNDANG NOMOR 40 TAHUN 2014 (STUDI KASUS DI PT. ALLIANZ LIFE INDONESIA CABANG PEKANBARU). Diploma thesis, Fakultas Hukum.

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Abstract

Insurance or coverage arises because of human needs. As is well known, that in this life and life, humans are always faced with something uncertain, which may be beneficial, but maybe vice versa. But the problem that often occurs is that the insured party ignores his performance to pay the premium. The main problem in this research is how the legal consequences received for arrears in life insurance premiums at PT. Pekanbaru Allianz Life Indonesia branch and how the process of settlement of premium arrears made by the insured PT. Allianz Life Indonesia, Pekanbaru branch. The type of research used in this research is observational research legal research that is by way of surveys, while its nature is descriptive, namely research that aims to provide a more precise and concrete picture. Based on the results of research that the author examined about the legal consequences received for delinquency in life insurance premiums conducted at PT.Allianz Life Indonesia in Pekanbaru branch, the policy officer becomes inactive, unable to file claims, membership status is blocked. In guarantor life insurance and responsibility have obligations and rights. Insurers have an obligation to provide protection and security to the insured and have the right to get premiums and obtain correct and honest information from the insured. And the insured has the obligation to pay premiums and provide true and honest information to the insurer and has the right to obtain protection and security from the insurer. In order for the legal consequences received by the insured on the premium arrears as long as the insured pays the premium on time or uses a savings account or credit card every month. The process of resolving premium arrears made by the insured can be done by non-litigation, namely by way of deliberation and litigation, namely legal efforts made through the court. And the insured person can reactivate the policy no later than twenty-four months from the due date of the unpaid premium with the terms of repaying the payment of the outstanding premium and which will be due until the date of policy recovery and filling in the health statement form for the policy recovery.

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