Hambatan Pengajuan Klaim Asuransi Jiwa Disebabkan Kelalaian Pihak Pemegang Polis Terkait Dengan Kewajiban Pemberitahuan Riwayat Kesehatan (Studi Putusan Badan Penyelesaian Sengketa Konsumen Nomor : 005/BPSK-TT/KEP/IV/2016)

Nanda Lucya Gultom, Hasim Purba, Sunarmi, Dedi Harianto
{"title":"Hambatan Pengajuan Klaim Asuransi Jiwa Disebabkan Kelalaian Pihak Pemegang Polis Terkait Dengan Kewajiban Pemberitahuan Riwayat Kesehatan (Studi Putusan Badan Penyelesaian Sengketa Konsumen Nomor : 005/BPSK-TT/KEP/IV/2016)","authors":"Nanda Lucya Gultom, Hasim Purba, Sunarmi, Dedi Harianto","doi":"10.55357/is.v2i3.181","DOIUrl":null,"url":null,"abstract":"Honest information from the Insured is one of the conditions that must be met before an insurance agreement is known as the \"principle of good faith\". One form of violation of this principle is hiding facts about the Insured's personal health by dishonestly conveying information contained in the Consumer Dispute Settlement Arbitration/Mediation Decision Number: 005/BPSK-TT/KEP/IV/2016 issued on April 14,2016 which is the discussion in this study. The formulation of the problem in this study are: how is the regulation regarding the obligation to notify health history in life insurance, what are the obstacles that will occur in submitting a life insurance claim if the policyholder commits negligence related to the obligation to notify health history and how is the analysis of BPSK legal considerations on the cancellation of the letter. rejection of claims made by the Insurance Company against the submission of a death claim (Study of the Decision of the Consumer Dispute Settlement Agency Number: 005/BPSK-TT/KEP/IV/2016). This research method uses a descriptive normative juridical approach. The data used are primary data, namely secondary data collected by library research and interview results. All data were analyzed by qualitative data analysis method. Based on the research, the regulation regarding the Obligation of Notification in Insurance is stated in Article 52 of the Financial Services Authority Regulation Number: 23/POJK.05/2015 concerning Insurance Products and Marketing of Insurance Products and in Article 251 of the Commercial Code (KUHD). Obstacles that occur in the filing of a Life Insurance Claim Due to the Negligence of the Policyholder Regarding the Obligation of Health History Notification is the non-disbursement of the sum insured or called Claim Rejection. Analysis BPSK's legal considerations regarding the cancellation of the claim rejection letter made by the insurance company against the submission of a death claim in the decision are that there are several things that are wrong in the BPSK judge's analysis in the form of discrepancies between legal facts and the chronology of the case.","PeriodicalId":437261,"journal":{"name":"Iuris Studia: Jurnal Kajian Hukum","volume":"588 1","pages":"0"},"PeriodicalIF":0.0000,"publicationDate":"2021-09-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":null,"platform":"Semanticscholar","paperid":null,"PeriodicalName":"Iuris Studia: Jurnal Kajian Hukum","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.55357/is.v2i3.181","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"","JCRName":"","Score":null,"Total":0}
引用次数: 0

Abstract

Honest information from the Insured is one of the conditions that must be met before an insurance agreement is known as the "principle of good faith". One form of violation of this principle is hiding facts about the Insured's personal health by dishonestly conveying information contained in the Consumer Dispute Settlement Arbitration/Mediation Decision Number: 005/BPSK-TT/KEP/IV/2016 issued on April 14,2016 which is the discussion in this study. The formulation of the problem in this study are: how is the regulation regarding the obligation to notify health history in life insurance, what are the obstacles that will occur in submitting a life insurance claim if the policyholder commits negligence related to the obligation to notify health history and how is the analysis of BPSK legal considerations on the cancellation of the letter. rejection of claims made by the Insurance Company against the submission of a death claim (Study of the Decision of the Consumer Dispute Settlement Agency Number: 005/BPSK-TT/KEP/IV/2016). This research method uses a descriptive normative juridical approach. The data used are primary data, namely secondary data collected by library research and interview results. All data were analyzed by qualitative data analysis method. Based on the research, the regulation regarding the Obligation of Notification in Insurance is stated in Article 52 of the Financial Services Authority Regulation Number: 23/POJK.05/2015 concerning Insurance Products and Marketing of Insurance Products and in Article 251 of the Commercial Code (KUHD). Obstacles that occur in the filing of a Life Insurance Claim Due to the Negligence of the Policyholder Regarding the Obligation of Health History Notification is the non-disbursement of the sum insured or called Claim Rejection. Analysis BPSK's legal considerations regarding the cancellation of the claim rejection letter made by the insurance company against the submission of a death claim in the decision are that there are several things that are wrong in the BPSK judge's analysis in the form of discrepancies between legal facts and the chronology of the case.
查看原文
分享 分享
微信好友 朋友圈 QQ好友 复制链接
本刊更多论文
因医疗记录不作为而造成的人寿保险索赔障碍(消费者纠纷解决机构编号:005/BPSK-TT/ \ IV/2016)
被保险人提供的诚实信息是保险协议被称为“诚信原则”之前必须满足的条件之一。违反这一原则的一种形式是通过不诚实地传达2016年4月14日发布的《消费者纠纷解决仲裁/调解决定:005/BPSK-TT/KEP/IV/2016》中所包含的信息来掩盖被保险人的个人健康事实。本研究的问题制定为:人寿保险中关于告知健康史义务的规定是怎样的,如果投保人存在与告知健康史义务相关的过失,在提交人寿保险理赔时会遇到哪些障碍,以及BPSK对取消信函的法律考虑是如何分析的。驳回保险公司对提交死亡索赔提出的索赔(对消费者争端解决机构决定的研究,编号:005/BPSK-TT/KEP/IV/2016)。本研究方法采用描述性规范法学方法。使用的数据为一手数据,即通过图书馆调研和访谈结果收集的二手数据。所有资料均采用定性资料分析法进行分析。根据研究,有关保险通知义务的规定载于金融服务管理局条例编号:23/POJK第52条。第05/2015号,关于保险产品和保险产品营销,以及《商法典》第251条。由于投保人在健康史通知义务方面的疏忽,在提交人寿保险索赔时出现的障碍是未支付保险金额或称为索赔拒绝。关于取消保险公司在决定中对提出死亡索赔所作的拒绝索赔通知书,BPSK的法律考虑是,BPSK法官的分析中有几件事是错误的,其形式是法律事实与案件的时间顺序不一致。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
求助全文
约1分钟内获得全文 去求助
来源期刊
自引率
0.00%
发文量
0
期刊最新文献
Kedudukan Hukum Perjanjian Perikatan Jual Beli (PPJB) dalam Kegiatan Pendaftaran Peralihan Hak Atas Tanah Tinjauan Yuridis Kerugian Negara Dalam Kerja Sama Operasional (KSO) Investasi Yang Dilakukan Oleh Yayasan Yang Didirikan Oleh BUMN (Studi Kasus Yayasan Bapelkes Krakatau Steel) Urgensi Penerapan Omnibus law Untuk Menyelesaikan Permasalahan Pembentukan Regulasi Di Indonesia Kedudukan Hukum Pria Yang Melakukan Perkawinan Nyentana Sebagai Ahli Waris Dalam Hukum Waris Adat Masyarakat Bali (Studi Putusan Mahkamah Agung Nomor 2991K/PDT/2015) Perspektif Kesejahteraan Tenagakerja Dengan Model Penetapan Upah Minimum Kabupaten Kota
×
引用
GB/T 7714-2015
复制
MLA
复制
APA
复制
导出至
BibTeX EndNote RefMan NoteFirst NoteExpress
×
×
提示
您的信息不完整,为了账户安全,请先补充。
现在去补充
×
提示
您因"违规操作"
具体请查看互助需知
我知道了
×
提示
现在去查看 取消
×
提示
确定
0
微信
客服QQ
Book学术公众号 扫码关注我们
反馈
×
意见反馈
请填写您的意见或建议
请填写您的手机或邮箱
已复制链接
已复制链接
快去分享给好友吧!
我知道了
×
扫码分享
扫码分享
Book学术官方微信
Book学术文献互助
Book学术文献互助群
群 号:481959085
Book学术
文献互助 智能选刊 最新文献 互助须知 联系我们:info@booksci.cn
Book学术提供免费学术资源搜索服务,方便国内外学者检索中英文文献。致力于提供最便捷和优质的服务体验。
Copyright © 2023 Book学术 All rights reserved.
ghs 京公网安备 11010802042870号 京ICP备2023020795号-1