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All Journal Socius: Social Sciences Research Journal
M, Mulhadi
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Religion Arts Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media

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Pelindungan Hukum Terhadap Pemegang Polis Akibat Pelanggaran Prinsip Utmost Good Faith yang Dilakukan oleh Perusahaan Asuransi Dalam Penutupan Polis Asuransi Jiwa (Studi Putusan Nomor 135/Pdt.G/2022/Pn Jkt.Sel) L, Lesli; S, Saidin; M, Mulhadi
Socius: Jurnal Penelitian Ilmu-Ilmu Sosial Vol 2, No 5 (2024): December
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

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Abstract

This scientific paper aims to analyze the legal protection for policyholders in the context of violations of the principle of utmost good faith committed by insurance companies during the conclusion of life insurance policies. The principle of utmost good faith is a crucial foundation in the relationship between insurance companies and policyholders, requiring both parties to act honestly and transparently. This research utilizes a case study from Decision No. 135/Pdt.G/2022/PN Jkt.Sel, which illustrates how violations of this principle can impact the rights of policyholders. The findings indicate that violations of the utmost good faith principle can result in losses for policyholders, both financially and legally. Furthermore, the court's decision in this case study provides an important precedent regarding the responsibility of insurance companies and the legal protections available to policyholders. Thus, this paper emphasizes the importance of awareness of the legal rights of policyholders and the necessity for stricter regulations to protect the interests of clients within the insurance industry.
Pelindungan Hukum Terhadap Tertanggung Atas Penutupan Polis Asuransi Jiwa Kredit Tanpa Medical Check Up (Studi Putusan Nomor 38/Pdt.G/2023/Pn Tgl) Asyraf, Alviami Ghina; S, Sunarmi; M, Mulhadi
Socius: Jurnal Penelitian Ilmu-Ilmu Sosial Vol 2, No 5 (2024): December
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

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

Abstract

This scientific paper aims to analyze the **legal protection for the insured** in the context of concluding a life insurance policy for credit without undergoing a **medical check-up**. The issuance of a policy without a health examination can pose potential risks and consequences for the insured, particularly regarding the claims process in the future. This research utilizes a case study from **Decision No. 38/Pdt.G/2023/PN Tgl**, which illustrates how this practice can affect the rights of the insured. The findings indicate that while the issuance of life insurance policies for credit without a medical check-up provides convenience for clients, it also raises legal issues related to the validity of the contract and the obligations of the insurance company. The court's decision in this case study highlights the importance of legal protection for the insured and the necessity for transparency in the policy issuance process. Thus, this paper underscores the importance of a clear understanding of the rights of the insured and the need for adequate regulations to safeguard their interests within the insurance industry. 
Co-Authors Asyraf, Alviami Ghina L, Lesli S, Saidin S, Sunarmi