Afifah, Amalia (2024) Penerapan Principle Of Proximate Cause Terhadap Gagal Bayar Klaim pada Perusahaan AJB Bumiputera di Pekanbaru. Other thesis, Universitas Islam Riau.

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Abstract

Everyone has hopes and desires. But in reality, not all hopes and desires can come true. This can happen due to certain risks. Insurance providers provide security for individuals and companies, and allow them to take on risk activities. The number of insurance companies that provide guarantees against the riska of eduction in the future, causing many parents to make long-term investments in education insurance. In fact, in 2023 information was obtained from 150 AJB Bumiputera 1912 insurance policyholders. There is a delay in paying policy claims. The formulation of the problem in this study is how the implementation and obstacles to the application of the Principle of Proximate Cause to default on claims at the AJB Bumiputera company in Pekanbaru. While the purpose of this study is to determine the implementation and obstacles to the application of the Principle of Proximate Cause to default on claims at the AJB Bumiputera company in Pekanbaru. This research uses observational research method or empirical law. The population used the population in this study were 83 policyholders who failed to claim in the AJB Bumiputera Pekanbaru company. The sample amounted to 13 policyholders AJB Bumiputera Pekanbaru taken using purposive sampling method. Data take in the form of primary data obtained by interview and secondary data obtained from documentation and other supporting literature. Data analysis using qualitative descriptive analysis. The result showed that the application of the Principle of Proximate Cause to claim default in the AJB Bumiputera Pekanbaru company has not been implemented with the policy deed and law No.40 of 2014 concerning insurance. The main obstacle to the application of the Principle of Proximate Cause in claim default is the economic conditions that continued from 1997-2023.

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