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All Journal WAJAH HUKUM Legal Standing : Jurnal Ilmu Hukum Jurisprudensi: Jurnal Ilmu Syariah, Perundang-undangan, Ekonomi Islam SIGn Jurnal Hukum Khazanah Hukum Jurnal Darma Agung JUNCTO: Jurnal Ilmiah Hukum Jurnal Hukum Lex Generalis Journal of Legal and Cultural Analytics (JLCA) Mamangan Social Science Journal Kajian Ilmiah Hukum dan Kenegaraan PESHUM Jurnal Mutiara Hukum
zulkifli, suhaila zulkifli
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Religion Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Social Sciences

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Perlindungan Hukum Konsumen dalam Layanan Asuransi Digital: Tinjauan Yuridis Atas Tantangan Regulasi di Indonesia Noor, Tajuddin; Zulkifli, Suhaila
Wajah Hukum Vol 9, No 2 (2025): Oktober
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/wjh.v9i2.1969

Abstract

This study aims to examine the form, characteristics, and regulatory challenges of digital technology-based insurance services (Insur Tech) in Indonesia, as well as to evaluate the form of legal protection available to policyholders in the context of the digital economy. The method used is a normative legal approach with an analysis of regulations such as POJK No. 36/2024 and POJK No. 8/2024, as well as literature and secondary sources from scientific articles and credible references. The research findings indicate that the development of InsurTech has not been matched by an adequate regulatory system, leading to potential legal uncertainty and weak consumer protection. The gap between technological innovation and regulatory response is evident in the lack of legal clarity regarding data security, service transparency, and dispute resolution mechanisms. The conclusions of this study emphasize the importance of regulatory updates that can ensure a balance between digital innovation and legal protection, through a collaborative approach between regulators, industry players, and the public. This research contributes to the development of digital law in the financial sector, particularly in shaping a legal framework that is more responsive to digital transformation in the insurance industry.
Co-Authors Aisyah Aisyah Arrahman, Gia Atika Sunarto Azharuddin Azharuddin, Azharuddin br Tampubolon, Jane Cahyani Dewi Agustina Dhalimunthe, Shalihin Hernata Ginting, Intan Carolyn Haloho, Kristin Natalia Hutasoit, Eunike Loist Mayrine, Clara Meidina, Luthvia MUHAMMAD ALI ADNAN Noor, Tajuddin Pakpahan, Marlina Elisabeth Panjaitan, Melati Philip, Margareth Christiana Purba, Josua Hasiholan Rajagukguk, Nelson Wesly Bangun rizal, said Siagian, Fedro Julio Carlos Silitonga, Jhosua Stefanie Stefanie, Stefanie Tajudin Noor, Tajudin