Legal Implications of Insurance Supervisor's Liability in Policy Failure
DOI:
https://doi.org/10.62193/gzcvc287Keywords:
Norm Ambiguity, Default, Insurance SupervisorAbstract
The ambiguity of the norms in Article 15 of Insurance Law Number 40 of 2014 has led to multiple interpretations in practice, especially in relation to the scope of the responsibility of the controller of an insurance company in the case of policyholder default. This study aims to analyze the limits of the responsibility of the controller of an insurance company for the default of policyholders by referring to the case of PT Asuransi Jiwasraya in case 676/PDT/2021/PT DKI. This research uses a normative legal method with a statutory approach, conceptual approach, and case approach, and is analyzed using grammatical and systematic interpretation. The results show that there is legal uncertainty in the regulation of the responsibility of the controller of the insurance company, which has an impact on legal protection for policyholders. This finding confirms the need for more explicit regulations regarding the scope of controlling liability in order to provide legal certainty and more optimal protection for policyholders. Therefore, the recommendations include the need for revision of related regulations as well as strengthening the supervision mechanism of insurance company controllers.
Downloads
References
Adlhiyati, Zakki, dan Achmad Achmad. “Melacak Keadilan Dalam Regulasi Poligami: Kajian Filsafat Keadilan Aristoteles, Thomas Aquinas, Dan John Rawls.” Undang: Jurnal Hukum 2, no. 2 (2019): 409–31. https://doi.org/10.22437/ujh.2.2.409-431.
Andi Hamzah. Kamus Hukum. Bogor: Ghalia Indonesia, 2005.
Darmodiharjo, Darji, dan Shidarta. Pokok-pokok filsafat hukum: apa dan bagaimana filsafat hukum Indonesia. Jakarta: Gramedia Pustaka Utama, 2006.
Fadhilah, Nur. “Keadilan: Dari Plato Hingga Hukum Progresif.” Jurnal Cita Hukum 5, no. 1 (2013): 1–21.
Handayani. Pengertian Premi Asuransi, Polis Asuransi, Klaim Asuransi Underwriting Tertanggung. 2001: Djambatan, 2001.
Hopkin, Paul. Fundamentals of Risk Management: Understanding, Evaluating and Implementing Effective Risk Management. London: Kogan Page Publishers, 2018.
Indonesia, Otoritas Jasa Keuangan. “Peraturan Otoritas Jasa Keuangan Nomor 27/POJK.03/2016 Tahun 2016 tentang Penilaian Kemampuan dan Kepatutan bagi Pihak Utama Lembaga Jasa Keuangan,” 2016.
Indonesia, Pemerintah Pusat. “Undang-undang (UU) Nomor 40 Tahun 2014 tentang Perasuransian,” 2014.
Irwansyah. Penelitian Hukum : Pilihan Metode & Praktik Penulisan Artikel. Mirra Buana Media, 2020.
Jimly Asshiddiqie dan M. Ali Safa’at. Teori Hans Kelsen Tentang Hukum. Jakarta: Konstitusi Press, 2006. https://simpus.mkri.id/opac/detail-opac?id=563.
Jiwasraya. “https://www.jiwasraya.co.id/sejarah-jiwasraya - Penelusuran Google,” 2021. https://www.jiwasraya.co.id/sejarah-jiwasraya.
Kelsen, Hans. General Theory of Law and State. USA: The Lawbook Exchange, Ltd., 1999.
Mochtar Kusumaatdmaja. Teori Hukum Pembangunan. Jakarta: Epistema Institute dan Huma, 2012.
Munir Fuady. Hukum Perusahaan dalam Paradigma Hukum Bisnis (Berdasarkan UU Nomor 40 Tahun 2007). Bandung: Citra Aditya Bakti, 2009.
Rahardjo, Satjipto. Ilmu hukum. Bandung: Citra Aditya Bakti, 1991.
Ramli, Rasmita. Manajemen klaim. Jakarta: Rineka Cipta, 1999.
Safa’at, Muchamad Ali. “Pemikiran Keadilan (Plato, Aristoteles, dan John Rawls).” Dikutip http://safaat. lecture. ub. ac. id/files/2011 1 (2011). http://www.safaat.lecture.ub.ac.id/files/2011/12/keadilan.pdf.
Soemarwi, Vera WS, dan Evelin Wiyasih. “Perlindungan Hukum Pemegang Polis Terhadap Gagal Bayar Perusahaan Asuransi Jiwasraya (Studi Kasus: Putusan 589/PDT. G/2019/PN. JKT. PST).” Jurnal Hukum Adigama 5, no. 1 (2022): 121–43.
Thimann, Christian. “How Insurers Differ from Banks: A Primer in Systemic Regulation.” SSRN Scholarly Paper. Rochester, NY: Social Science Research Network, 27 Juli 2014. https://doi.org/10.2139/ssrn.2502458.
Vera W.S. Soemarwi. Berhukum Di Masa Pandemi Covid-19. Jakarta: Lembaga Penelitian dan Publikasi Ilmiah Universitas Taruma Negara, 2021.
Downloads
Published
Issue
Section
License
Copyright (c) 2025 Soca Daru Indraswari (Author)
This work is licensed under a Creative Commons Attribution 4.0 International License.
