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Abdul Latif
Universitas Islam Negeri Sumatera Utara
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Legal Responsibility of Insurance Companies for the Denial of COVID-19 Patient Claims: A Case Study of PT Asuransi Allianz Life Indonesia Lidya Thalia; Zahra Balqis Ananda; Rivky Abdillah Putra; Abdul Latif; Ahmad Yani Anshori
ISNU Nine-Star Multidisciplinary Journal Vol. 2 No. 3 (2025): Vol.2 No.3 Desember 2025
Publisher : ISNU Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70826/ins9mj.v2i3.933

Abstract

In this article, we examine the legal responsibility of insurance companies for the denial of COVID-19 patient claims: A case study of PT Asuransi Allianz Life Indonesia. Aims to find out how the company's responsibility is to customers, how to protect consumers, and how insurance customers respond to the rejection of COVID-19 claims This research uses a qualitative method, namely by using a field study and analytical descriptive approach. The results of this study have shown that PT Asuransi Allianz Life Indonesia, in certain cases, has not fully fulfilled its legal responsibilities both from a contractual perspective and within the framework of consumer protection. This refusal creates a conflict because in contract law, an agreement must be executed based on the principles of good faith and transparency of information. Many customers expressed disappointment with Allianz's perceived impartiality and seemed to be looking for excuses to reject claims.
Civil Law Aspects of Crypto Investment Dispute Resolution Through Arbitration and Litigation Handro Kurnia Sitorus; Ahyar Dinda Alamsyah Harahap; Abdul Latif; Aripa Syawalia; Indra Utama Tanjung
ISNU Nine-Star Multidisciplinary Journal Vol. 2 No. 3 (2025): Vol.2 No.3 Desember 2025
Publisher : ISNU Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70826/ins9mj.v2i3.937

Abstract

Digital transformation in the financial sector has given birth to new investment instruments in the form of crypto assets based on blockchain technology. Despite its great potential, crypto investment also gives rise to various civil disputes between investors and service provider platforms. Such disputes are often caused by defaults, unlawful acts, or losses due to digital system failures, which have not been specifically regulated in national law. This research aims to identify the form of civil law relationships in crypto transactions, examine the types of disputes that arise, and evaluate the effectiveness of two dispute resolution mechanisms, namely arbitration and litigation. The method used is a normative juridical approach through literature studies that include laws and regulations, scientific literature, as well as court and arbitration decisions. The results of the study show that arbitration has advantages in terms of efficiency and flexibility, but faces obstacles in enforcing cross-jurisdictional awards. In contrast, litigation provides stronger formal legal guarantees, but tends to be slow and less adaptive to technological aspects. The main obstacles faced are the absence of substantive regulations, limitations in digital proof, and low technical literacy of legal apparatus. Therefore, regulatory reform and institutional capacity strengthening are needed to ensure equal legal protection for crypto investors in Indonesia.
Co-Authors Ahmad Yani Anshori Ahyar Dinda Alamsyah Harahap Aripa Syawalia Handro Kurnia Sitorus Indra Utama Tanjung Lidya Thalia Rivky Abdillah Putra Zahra Balqis Ananda