PERTANGGUNGJAWABAN PIHAK ASURANSI DALAM TRANSAKSI UANG GANTI KERUGIAN TERHADAP PEMEGANG POLIS ASURANSI JIWA

Abstract

Insurance from a legal and economic point of view is the main risk management arrangement used to avoid the possibility of uncertain losses.... To avoid these risks, one of them is to find out how the liability of the insurance company in the indemnity money transaction against life insurance policyholders.... This research uses qualitative descriptive analysis with case analysis from literature studies to gain an understanding of how the responsibility of the insurance company in handling indemnity money transactions against life insurance policy holders .Efforts to provide legal protection for insurance customers can be assessed, among others, based on the application of the form of agreement, the process during insurance activities, and based on the form of transactions where customers routinely and within a predetermined time frame make payment transactions to fulfill their obligations to pay insurance premiums. The submission of failed compensation payment claims and the late payment of compensation by the insurance company even though the claims submitted have met the requirements but the insurance company shows a convoluted mechanism so that it is difficult in terms of receiving claim payments.