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All Journal Autotech: Jurnal Pendidikan Teknik Otomotif Universitas Muhammadiyah Purworejo Al-Manahij: Jurnal Kajian Hukum Islam Jurnal Mahasiswa Teknik Sipil UPP FIAT JUSTISIA: Jurnal Ilmu Hukum Jurnal Cita Hukum Proceeding SENDI_U Jurnal Mahasiswa Teknik Jurisprudence Pena Justisia: Media Komunikasi dan Kajian Hukum Law Research Review Quarterly Supremasi Hukum Jurnal Kewarganegaraan Legal Protection for the Partnership Agreement Parties Innovative: Journal Of Social Science Research Community Development: Jurnal Pengembangan Masyarakat Islam Mahadi : Indonesia Journal of Law Journal of Innovative and Creativity
FATKHUL MUIN
Fakultas Hukum Universitas Sultan Ageng Tirtayasa
Religion Humanities Automotive Engineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Economics, Econometrics & Finance Education Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Mechanical Engineering Public Health Social Sciences Other

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Journal : Journal of Innovative and Creativity

 1 
The Connection Between The Implementation Of The Right To Health Through The Health Insurance System And State Policy Forms In Mandatory Spending Muin, Fatkhul
Journal of Innovative and Creativity Vol. 5 No. 3 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v5i3.4564

Abstract

Study Purpose: This research focuses on state legal policies regarding efforts to fulfill the right to health through a social security system within the budget. Materials and Methods: This study employed qualitative research with an approach to government policy, including legislation, which serves as the basis for the analysis. Results: State policy regarding the fulfillment of every citizen's constitutional right to health is inseparable from government policy in preparing regional budgets for health. Health spending, as mandatory spending, is clearly stipulated in law and must be met by the government. In the 2026 Financial Note and Draft State Budget, the health budget is set at IDR 244 trillion. This figure represents a 15.8% increase compared to the 2025 outlook of IDR 210.6 trillion. This budget must be a government priority in fulfilling the right to health for every citizen through health insurance. The World Health Organization (WHO) has agreed to achieve Universal Health Coverage (UHC) by 2014. UHC is a health system that ensures that every citizen in the population has equitable access to quality promotive, preventive, curative, and rehabilitative health services at affordable costs. Therefore, the State Budget, which focuses on health, must be able to reduce the burden on society. Conclusion: Mandatory spending in the health sector must be the basis for the government to fulfill the right of every citizen to health insurance and align with Universal Health Coverage (UHC), which is oriented towards the state's strategic role in fulfilling citizens' health rights.
Insurance Agreement Through A Digital System In The Framework Of Consumer Protection Approach For Insured Participants Mucharom, Rully Syahrul; Muin, Fatkhul
Journal of Innovative and Creativity Vol. 5 No. 3 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The purpose of the study: This study focuses on legal developments regarding digital agreements that occur in insurance offerings to the public and are considered a legally valid written agreement. Law No. 40 of 2014 concerning Insurance establishes the basis of insurance as an agreement between two parties, namely the insurance company and the policyholder, which serves as the basis for the insurance company's premium receipt as compensation. With the development of technology, digital insurance offerings are often conducted on the basis of a valid insurance agreement. Electronic insurance policies can be used and are recognized as stipulated in Article 21 Paragraph (1) of OJK Regulation No. 23/POJK.05/2015 concerning Insurance Products and Marketing of Insurance Products. Consumer protection in insurance in the form of digital agreements is necessary. Materials and Methods: This study focuses on qualitative methods with a legal approach, conducting an in-depth analysis of insurance agreements through digital systems within the framework of a consumer protection approach for insurance participants. Results: The development of technology and information has driven behavioral changes in the business world, one of which is the insurance business. Therefore, aspects of Law No. Law No. 40 of 2014 concerning Insurance and Law No. 8 of 1999 concerning Consumer Protection must be aligned. Conclusions: This research focuses on Law No. 40 of 2014 concerning Insurance and Law No. 8 of 1999 concerning Consumer Protection. Therefore, in insurance, the interests of insurers must be safeguarded and protected.
Co-Authors ARIE SYAHRUDDIN, ARIE Aspihanto, Aan Bambang Edison Dewi, Lia Riesta Diya Ul Akmal Karsa, Pipih Ludia Kusnandar, Mas Iman Mucahrom, Rully Syahrul Muhimah, Uum Ummul Muhyi Mohas Mu’ammar, Mu’ammar P.S., Agus Prihartono Rully Syahrul Mucharom, Rully Syahrul Suhendi, Ade Suyitno Suyitno Syahrul Mucharom, Rully Tahir, Palmawati