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Sunarmi
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ANALYSIS OF LEGAL CERTAINTY AND CHALLENGES IN THE ESTABLISHMENT OF POLICY GUARANTEE INSTITUTIONS IN INDONESIA Isdiana Syafitri; Sunarmi; Tan Kamello; Hasim Purba
International Conference on Health Science, Green Economics, Educational Review and Technology Vol. 6 No. 1 (2024): 7th IHERT (2024): IHERT (2024) FIRST ISSUE: International Conference on Health
Publisher : Universitas Efarina

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ihert.v6i1.382

Abstract

Insurance is a financial services business that collects public funds and provides protection against losses due to an uncertain event. For supervision, the government has formed an Insurance Supervisory Agency, namely the OJK (Financial Services Authority) which functions to encourage the progress of the financial services industry and protect insurance customers. Indonesia has Law Number 40 of 2014 concerning Insurance. This study aims to provide legal protection for insurance customers in overcoming the risk of default and awaiting the formation of the Policy Guarantor Institution. Cases of unit link insurance defaults and governance violations have also occurred in several insurance companies. Such as Bakrie Insurance, Asuransji Jiwasraya, Bumiputera Insurance and Kresna Insurance. The Financial Services Authority imposes sanctions on defaulted insurance companies, including: written warnings, revoking business licenses and bankruptcy. This research is of a normative juridical nature that is qualitative descriptive. This study shows how the insurance industry in Indonesia provides protection for customer funds in resolving defaults to realize legal certainty by forming a policy guarantor program. In conclusion, although OJK imposes sanctions in cases of default, it does not appear that policyholders are protected, especially in the disbursement of claims. Therefore, a Policy Guarantor Institution needs to be formed as soon as possible to realize legal certainty.
Co-Authors Adelia, Nony Adi Gunawan 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 Es. Cape, Mona Lamtiur Fadhlan, Fadhlan Geby Aviqa Guntur Hanssen HASIM PURBA Hendri Tamara Yuda Heny Prasetyorini Hutagalung, Gomgomie Andrew Irianto M.Ali Isdiana Syafitri 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 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