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Journal : Awang Long Law Review

 1 
PROTECTION LAW TO EXPERT THE HEIRS ARE LIABLE FOR THE CLOSURE OF THE POLICY INSURANCE SOUL CREDIT WITHOUT MEDICAL CHECK UP Asyraf, Alviami Ghina; Sunarmi; Mulhadi
Awang Long Law Review Vol. 7 No. 1 (2024): Awang Long Law Review
Publisher : Sekolah Tinggi Ilmu Hukum Awang Long

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56301/awl.v7i1.1460

Abstract

This research focuses on a normative study of the regulations for closing life insurance policies according to Indonesian laws and regulations. This is followed by an analysis of legal protection for the insured's heirs as policy holders regarding the practice of closing credit life insurance policies without medical check-ups, as well as an analysis of the Judge's considerations and decisions regarding the importance of medical check-ups before closing credit life insurance policies using Decision Number 38/Pdt .G/2023/PN Date as object of study. This research is descriptive normative legal research, with a statutory, conceptual and case approach. The data used is secondary data, which was collected using library study data collection tools using document study techniques. The data was then analyzed using qualitative data analysis methods and drawing conclusions deductively.The research concludes that the arrangements for closing life insurance policies in Indonesia are transparent and provide protection for the insured. OJK requires insurance companies to ensure prospective insureds understand the terms and risks, including the importance of health checks. Legal protection for the insured's heirs is regulated in Article 22-26 POJK No. 20/2023 concerning Insurance Linked to Credit, which highlights the importance of information transparency. If the claim is rejected due to the absence of a medical examination, the insured's heirs can file a lawsuit in District Court. Decision Number 38/Pdt.G/2023/PN Tgl emphasizes the importance of a medical examination before closing a policy, reflecting the principle of prudence and utmost good faith. This decision provides justice, certainty and benefits for policyholders by guaranteeing claim payments according to the provisions. It is recommended that there be detailed regulations regarding mandatory medical check-ups and transparency of information in credit life insurance. Insurance companies and banks must also increase the education of prospective insureds regarding the importance of medical examinations before disbursing credit.
PROTECTION LAW TO EXPERT THE HEIRS ARE LIABLE FOR THE CLOSURE OF THE POLICY INSURANCE SOUL CREDIT WITHOUT MEDICAL CHECK UP Asyraf, Alviami Ghina; Sunarmi; Mulhadi
Awang Long Law Review Vol. 7 No. 1 (2024): Awang Long Law Review
Publisher : Sekolah Tinggi Ilmu Hukum Awang Long

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56301/awl.v7i1.1460

Abstract

This research focuses on a normative study of the regulations for closing life insurance policies according to Indonesian laws and regulations. This is followed by an analysis of legal protection for the insured's heirs as policy holders regarding the practice of closing credit life insurance policies without medical check-ups, as well as an analysis of the Judge's considerations and decisions regarding the importance of medical check-ups before closing credit life insurance policies using Decision Number 38/Pdt .G/2023/PN Date as object of study. This research is descriptive normative legal research, with a statutory, conceptual and case approach. The data used is secondary data, which was collected using library study data collection tools using document study techniques. The data was then analyzed using qualitative data analysis methods and drawing conclusions deductively.The research concludes that the arrangements for closing life insurance policies in Indonesia are transparent and provide protection for the insured. OJK requires insurance companies to ensure prospective insureds understand the terms and risks, including the importance of health checks. Legal protection for the insured's heirs is regulated in Article 22-26 POJK No. 20/2023 concerning Insurance Linked to Credit, which highlights the importance of information transparency. If the claim is rejected due to the absence of a medical examination, the insured's heirs can file a lawsuit in District Court. Decision Number 38/Pdt.G/2023/PN Tgl emphasizes the importance of a medical examination before closing a policy, reflecting the principle of prudence and utmost good faith. This decision provides justice, certainty and benefits for policyholders by guaranteeing claim payments according to the provisions. It is recommended that there be detailed regulations regarding mandatory medical check-ups and transparency of information in credit life insurance. Insurance companies and banks must also increase the education of prospective insureds regarding the importance of medical examinations before disbursing credit.
Co-Authors Adelia, Nony Adi Gunawan Ahmad Zakiy Ramadhan Alvi Syahrin Andar Indra Sastra Angreni Fajrin Dalimunthe Ari, Gema Armi Astuti Salim Asyraf, Alviami Ghina Azwar, Tengku Keizerina Devi BISMAR NASUTION Bismar Nasution BUDIMAN GINTING Burhan Sidabariba Butarbutar, Amudi H. Candra W, Dicky CHRISTOFEL L. G. H. M SAMOSIR Christopher Gustikho Dedi Harianto Dian Pitaloka Priasmoro, Dian Pitaloka Ekaputra, Mohammad Elianna Gerda Pertiwi ELYSIA ZANETA Sinaga Fadhlan, Fadhlan Geby Aviqa Guntur Hanssen HASIM PURBA Hendri Tamara Yuda Heny Prasetyorini Hutagalung, Gomgomie Andrew Irianto M.Ali Irniatie Wanda Isdiana Syafitri Ismail Bambang Subianto Isnaini, Maulida Jan Christian Zherman Saragih, George Jelly Leviza Lisa Andriati, Syarifah Lubis, M. Yamin Lumbantobing, Adianto Luqman Wahyudi M. Nur Hidayat Manurung Mahmud Mulyadi MAHMUL SIREGAR Mahmul Siregar Maria MARTHALENA, YENNY Michelle Lucky Madelene. S Muhammad Adli Fahmi Lubis Mulhadi Mulyono, Andi Musa Kevin Putratama Banjarnahor Naharuddin Naharuddin Nasution, Aulia Arif Nasution, Syarah Ermayanti Neng Annis Fathia Nugroho, Mukhlis Anton Nuraini Obaja Capandi Saut Horas Sinaga Oemar Abdallah Popy Roza Prima Yustana Purwo Prihatin Robert Roesardhyati, Ratna Saidin Santosa Sarmini Sarwanto Sastri Ayu Lestari Sayogo, Dwisanto Selly Puspita Sari Siegfried, Irene Elfira Dewi Silitonga, Elia Fransisco Sinaga, Esron Siregar, Nopi Aryani Soewarlan, Santosa Soewarlan, Santoso Subarti, Dwi Suhaidi Suhendriyo Sukaraja, Detania Sukarja, Detania Sutiarnoto Syafruddin Kalo T. Keizerina Devi T. Keizerina Devi A. T. Keizerina Devi Azwar Tan Kamello Tan Kamello Tavip Indrayana Utary Maharany Barus Widianto, Suwandi Widiya Fitrianda Yesi Ansari Zamila, Adinda Syafa Nur