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All Journal International Journal of Health and Pharmaceutical (IJHP)
Erlina Puspitaloka Mahadewi
Universitas Esa Unggul, Jakarta, Indonesia
Nursing Public Health

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The Present and Future Definition of Health Insurance Based on Laws and Regulations in Indonesia Dewi Probo Astuti; Clara Meilindawaty Situmorang; Sri Evehulisa Pinem; Erlina Puspitaloka Mahadewi
International Journal of Health and Pharmaceutical (IJHP) Vol. 5 No. 2 (2025): May 2025
Publisher : CV. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51601/ijhp.v5i2.369

Abstract

This study analyzes the legal principles that Indonesia insurance plays an important role in facing increasingly complex and uncertain life needs. In Indonesia, insurance is regulated through Law No. 40 of 2014, which provides a legal basis for the implementation and protection of the parties. This study uses a literature study method with a qualitative narrative synthesis approach to examine the definition of insurance based on laws and regulations in Indonesia. First, to analyse the legal basis of insurance and the legal aspects of the implementation of insurance agreements in Indonesia, examine the legal principles underlying the implementation of insurance practices in Indonesia, also evaluate the legal challenges in the implementation of insurance practices in Indonesia and provide recommendations and efforts for improvement in the insurance sector in Indonesia. Secondly, to analysis of the legal basis and implementation of insurance agreements shows that the legal framework for insurance in Indonesia is quite complex. Various challenges are still found in its implementation, such as complex regulatory changes, suboptimal consumer protection, and problems related to insurance claim disputes. We propose several recommendations and improvement efforts namely by improving regulations, and increasing supervision of law enforcement by the OJK, transparency and public education, and increasing cooperation between insurance companies, the OJK, and dispute resolution institutions. These efforts are important to realize an insurance system in Indonesia that is fair, inclusive, transparent, and sustainable from present to the future.
The Influence of Social Media on HIV-Aids and LGBT Cases among the Young Generation in Jakarta Erlina Puspitaloka Mahadewi; Mohamad Reza Hilmy; Intan Silviana Mustikawati; Muniroh Muniroh; Puspita Chairun Nisa; Juniawan Mandala Putra; Arman Harahap
International Journal of Health and Pharmaceutical (IJHP) Vol. 5 No. 2 (2025): May 2025
Publisher : CV. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51601/ijhp.v5i2.384

Abstract

The study focused on the purpose of finding out the effect and the roles challenges faced by activists in the JPC Jakarta Foundation community in their efforts to prevent HIV and AIDS infections among LGBT people in Jakarta. This study applies a qualitative approach to observe the activities carried out by activists in three areas in the DKI Jakarta Province of Indonesia. The activities of the activists include field and online outreach, interactive group discussions, HIV counseling and testing, distribution of condoms and pelicans for LGBT youth, and social support for people living with HIV and AIDS (PLWHA). This study uses the theory of social action and symbolic interactionism to analyze the activities carried out by activists. This study found that the activities carried out by volunteer activists of the JPC Jakarta foundation in 2023. The study shows the results of the formation of rational-instrumental social action and a symbolic interaction in the context of HIV and AIDS prevention, with the LGBT community being a group affected by the increasing deviation of social media among the younger generation, especially Gen Z.
Economy Risk Classification And Legal Principles In Insurance Coverage For Modern Insurance Practice In Indonesia Ariska Agustina; Prima Paramita Putri; Evi Kusumastuti Setianingrum; Erlina Puspitaloka Mahadewi
International Journal of Health and Pharmaceutical (IJHP) Vol. 5 No. 2 (2025): May 2025
Publisher : CV. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51601/ijhp.v5i2.415

Abstract

This study analyzes the legal principles underlying insurance coverage and economy risk classification in modern insurance practices. The principles of insurance law: utmost good faith, insurable interest, indemnity, subrogation, proximate cause, are important foundations in regulating the relationship between the insurer and the insured. On the other hand, risk classification plays a crucial role in the assessment, premium determination, risk selection, and risk management by insurance companies. The method used is a literature study with a normative approach, examining regulations, legal doctrines, scientific literature, and practices in the insurance industry. The results of the study indicate that a deep understanding of the principles of insurance law and risk classification can improve transparency, contractual fairness, moral hazard risk mitigation, operational efficiency in the insurance industry. Risks in insurance are classified into two main categories, namely pure risk which is related to the possibility of loss alone and speculative risk which involves the possibility of profit or loss. The six basic principles of insurance law, insurable interest, utmost good faith, proximate cause, indemnity, subrogation, contribution are the foundation for the formation and implementation of a valid insurance contract. The development of digital technology, the use of big data, artificial intelligence, machine learning in the insurance sector, has brought significant changes to risk classification methods, underwriting, and claims assessment processes. In conclusion, a comprehensive understanding of legal principles and risk classification is essential to ensure legal protection, increase public trust, and support the sustainability of health and general insurance practices in the modern era for Indonesia.
Co-Authors Ariska Agustina Arman Harahap Clara Meilindawaty Situmorang Dewi Probo Astuti Evi Kusumastuti Setianingrum Intan Silviana Mustikawati Juniawan Mandala Putra Mohamad Reza Hilmy Muniroh Muniroh Prima Paramita Putri Puspita Chairun Nisa Sri Evehulisa Pinem