Utama, Fernando (2023) Penerapan Prinsip Utmost Good Faith Pada Asuransi Kesehatan Di Pt. Prudential Pekanbaru. Other thesis, Universitas Islam Riau.

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Abstract

Insurance arises from human needs because of the risks faced in life, but in fact in the field there are still many problems that occur such as customers who receive claims against their insurance, as happened at PT. Prudential Pekanbaru, the incident was caused by a violation of the insurance policy article which violated the principle of utmost good faith insurance, the customer at the company received a claim rejection because he did not apply good faith in making a policy, and based on Article 1320 of the Civil Code, this insurance was also stated null and void because it does not meet the objective requirements. The main problem in this research is how to apply the principle of utmost good faith in health insurance at PT. Prudential Pekanbaru and what are the legal consequences of not implementing the principle of utmost good faith in health insurance and the forms of solving the problem. The type of research used in this research is observational legal research, namely by survey method, its nature is descriptive, namely research that aims to provide a more precise and concrete picture. The results of this study indicate that the application of the principle of utmost good faith has been implemented by the company but there are still factors that cause this to not be carried out properly, the legal consequences that arise are losses to insurance customers and loss of trust from customers to insurance companies. the settlement process for these problems can be carried out in a non-litigation way, namely deliberation and litigation, which is a legal remedy carried out through the courts.

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