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All Journal JURNAL CENDEKIA HUKUM Journal Analytica Islamica Legal Standing : Jurnal Ilmu Hukum Journal of Humanities and Social Studies Academy of Education Journal MUKADIMAH: Jurnal Pendidikan, Sejarah, dan Ilmu-ilmu Sosial Al-Kharaj: Journal of Islamic Economic and Business Rayah Al Islam : Jurnal Ilmu Islam SOSIOEDUKASI : JURNAL ILMIAH ILMU PENDIDIKAN DAN SOSIAL Community Development Journal: Jurnal Pengabdian Masyarakat LEGAL BRIEF QANUN: Journal of Islamic Laws and Studies Riwayat: Educational Journal of History and Humanities El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Ekonomics, Finance, and Management Studies Jurnal Sosiologi USK (Media Pemikiran & Aplikasi)
Sativa, Annisa
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Journal : Riwayat: Educational Journal of History and Humanities

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Larangan Pembatalan Klaim Sepihak oleh Perusahaan Asuransi Perspektif Maslahah Mursalah (Studi Putusan MK NO.83/PUU-XXII/2024) Hanafi Harahap, Fachrul; Sativa, Annisa
Riwayat: Educational Journal of History and Humanities Vol 8, No 3 (2025): July, Social Studies, Educational Research and Humanities Research.
Publisher : Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jr.v8i3.48302

Abstract

The Constitutional Court Decision No. 83/PUU-XXII/2024, which prohibits insurance companies from unilaterally canceling claims, represents a significant step in protecting consumer rights. This study examines the issue from the perspective of Islamic law, particularly the concept of maslahah mursalah.The aim of the research is to highlight the implications arising from the decision and provide recommendations to the relevant authorities to address the emerging challenges.This study employs a qualitative method with a normative juridical approach,.The study finds that the prohibition of unilateral cancellation aligns with the principles of maslahah mursalah.However,in practice ,the insurance industry may respond by adjusting their policies,such as increasing premiums or tightening the customer selection process.these implications may hider access to insurance products for certain vulnerable and marginalized groups.Therefore,the role ofnthe Financial Services Authority (OJK)is crucial in ensuring that new regulations are implemented fairly during this legal transition.Putusan Mahkamah Konstitusi No. 83/PUU-XXII/2024 yang melarang perusahaan asuransi membatalkan klaim secara sepihak menjadi langkah penting dalam melindungi hak konsumen. Penelitian ini membahas masalah tersebut dari sudut pandang hukum Islam, khususnya konsep maslahah mursalah. Tujuan penelitian ini untuk memberikan beberapa implikasi yang timbul akibat putusan ini serta masukan kepada badan yang berwenang agar sekiranya masalah yang timbul teratasi. Penelitian ini menggunakan metode kualitatif dengan pendekatan yuridis normative. Dalam penelitian ini ditemukan bahwa larangan pembatalan sepihak sejalan dengan prinsip-prinsip maslahah mursalah. Tetapi secara implikatif, industri asuransi berpotensi melakukan penyesuaian seperti menaikkan premi atau memperketat proses seleksi nasabah. Implikasi ini membuat sebagian kelompok masyarakat kecil dan rentan sulit untuk mengakses atau membeli produk asuransi. Oleh karena itu, peran Otoritas Jasa Keuangan (OJK) penting dalam memastikan regulasi terbaru agar transisi hukum ini tetap adil.
Co-Authors Afsah, Siti Alfatunisah, Alfatunisah Arantik, Rida Erwin, Intan Nabillah Firdaus, Amalina Hanafi Harahap, Fachrul Harahap, Eka Putriani Harahap, Mhd.Yadi Harniz, Innat Adlan Adillah Irham, M. Iqbal Lubis, Nora Elviana Rinaldi, Abdul Sidik, Erwanda Syadiki, Hasbi Syafitri, Rizka Wanto, Sugeng Yesinta Zeta Donita, Zahra