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All Journal FIAT JUSTISIA: Jurnal Ilmu Hukum Locus Journal of Academic Literature Review
Affila Affila
Universitas Sumatera Utara
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Penerapan Prinsip Itikad Baik Terhadap Kewajiban Pemberitahuan Riwayat Kesehatan Sebagai Penyebab Ditolaknya Pembayaran Klaim Asuransi Jiwa Lidya Cristy Ndiloisa Ginting; Hasyim Purba; Syarifah Lisa Andriati; Affila Affila
Locus Journal of Academic Literature Review Volume 2 Issue 6 - June 2023
Publisher : LOCUS MEDIA PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56128/ljoalr.v2i6.179

Abstract

Tujuan penelitian ini untuk mengetahui dan menganalisis tentang penerapan prinsip itikad baik dalam hal kewajiban pemberitahuan riwayat kesehatan dalam perjanjian asuransi; dan menganalisis kewenangan Badan Penyelesaian Sengketa Konsumen Kabupaten Sukabumi sebagaimana dalam Putusannya Nomor: 010/G/BPSK.KABSI/X/2021 tentang kasus penolakan pembayaran klaim asuransi jiwa milik nasabah PT. BNI Life Insurance yang telah meninggal dunia. Penelitian ini merupakan penelitian hukum yuridis normatif bersifat deskriptif, digunakan pendekatan perundang-undangan dan pendekatan kasus. Hasil penelitian disimpulkan bahwa penerapan prinsip itikad baik dalam hal kewajiban pemberitahuan riwayat kesehatan oleh pemegang polis dalam sebuah perjanjian asuransi dapat dilakukan dengan berpedoman pada Pasal 251 KUHD dan juga yang tercantum di dalam Pengaturan Surat Pemohonan Asuransi Jiwa (SPAJ). Pemegang Polis yang terbukti melanggar prinsip itikad baik menyebabkan tidak dapat menerima klaim asuransi yang diajukannya; Badan Penyelesaian Sengketa Konsumen Sukabumi tidak berwenang menangani kasus tentang klaim asuransi ini, seharusnya masuk dalam ruang lingkup Hukum Perdata sehingga menjadi kewenangan Peradilan Umum.
Strengthening The Capacity of Indonesian Migrant Workers Through Old-Age Social Security A Study on PMI in Malaysia and Hongkong Agusmidah Agusmidah; Yefrizawati Yefrizawati; Affila Affila; Zulfi Chairi; Farhan Alpani Pane; Rajali H. Aji
Fiat Justisia: Jurnal Ilmu Hukum Vol. 20 No. 1 (2026)
Publisher : Universitas Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25041/fiatjustisia.v20no1.4851

Abstract

Indonesian Migrant Workers (PMI) are primarily motivated to work abroad by the prospect of higher wages to achieve long-term financial security, despite the social costs of family separation. However, empirical evidence from observations, interviews, and questionnaires reveals that many PMIs have limited understanding of the old-age pension scheme, a key component of the national social security system, a gap exacerbated by inadequate pre-departure briefings for prospective migrant workers (CPMI) despite clear legal obligations. This study employs an empirical juridical method supported by a conceptual legal approach to examine the gap between the normative framework governing PMI social security protection and its implementation in practice, particularly regarding technical barriers to paying old-age security contributions during overseas employment. The findings show weak institutional coordination and accountability among key stakeholders, including the Ministry of Manpower, BPJS Ketenagakerjaan, BP2MI, the Ministry of Foreign Affairs, and state-affiliated banking institutions. The study concludes that strengthening legal compliance, inter-agency coordination, and accessible contribution mechanisms is essential to ensure effective protection and the realization of old-age social security rights for PMIs after the completion of their employment.
Co-Authors Agusmidah Agusmidah Farhan Alpani Pane Hasyim Purba Lidya Cristy Ndiloisa Ginting Rajali H. Aji Syarifah Lisa Andriati Yefrizawati