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All Journal Custodia: Journal of Legal, Political, and Humanistic Inquiry Anthroposia: Journal of Social and Human Development
Tuktara Sumarno Putri
Universitas Muhammadiyah Surakarta
Law, Crime, Criminology & Criminal Justice

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Penerapan Kecerdasan Buatan dalam Perlindungan Nasabah pada Layanan Perusahaan Asuransi: Tinjauan Hukum dan Pertanggungjawaban Dina Alya Maisan; Naufal Hanif Fakhri Wibowo; Tuktara Sumarno Putri; Suryo Satrio Saryanto; Muhaimin Fachrul Feryansyah; Rahma Ernanda Tiavani
Journal of Legal, Political, and Humanistic Inquiry Vol 1 No 2 (2025): December: Custodia: Journal of Legal, Political, and Humanistic Inquiry
Publisher : CV SCRIPTA INTELEKTUAL MANDIRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65310/bwrvw781

Abstract

The integration of artificial intelligence into insurance services has reshaped the operational structure of the insurance industry through automated risk assessment, premium calculation, and claims processing. These technological advancements enhance efficiency and decision accuracy but simultaneously raise legal challenges related to personal data protection and accountability toward policyholders. This study analyzes the application of artificial intelligence in insurance services from a normative legal perspective, focusing on data protection and legal responsibility. By employing statutory and conceptual approaches, the research examines regulations governing personal data protection, insurance supervision, and digital financial services, alongside legal doctrines on liability and consumer protection. The analysis reveals that the use of artificial intelligence increases the vulnerability of policyholders when data security, transparency, and regulatory oversight are insufficient. Legal responsibility remains centered on insurance companies as system controllers, despite the autonomous nature of algorithmic decision-making. Strengthening regulatory harmonization, supervisory mechanisms, and legal awareness is essential to ensure effective protection of policyholders’ rights and sustainable development of insurance services in the digital era.
Insurance Law In Indonesia: Legal Foundations, Principles, And Regulatory Developments Berliana Azizah; Husein Satria; Agestanio Yoniv Andana; Muhammad Bilhaq Azzam; Suryo Satriyo Saryanto; Tuktara Sumarno Putri
Anthroposia: Journal of Social and Human Development Vol. 1 No. 2 (2026): June: Anthroposia: Journal of Social and Human Development
Publisher : CV SCRIPTA INTELEKTUAL MANDIRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65310/sp7spa52

Abstract

This study examines the legal foundations, doctrinal principles, and regulatory developments of insurance law in Indonesia through a normative juridical approach. The research relies on statutory materials, regulatory instruments, scholarly literature, industry reports, and official documents to evaluate the evolution of insurance governance and its relationship with consumer protection and supervisory mechanisms. The analysis reveals that Indonesian insurance law has undergone significant transformation from a contract oriented framework rooted in the Commercial Code toward a modern regulatory structure characterized by integrated supervision, prudential governance, and enhanced legal accountability. Fundamental insurance principles including insurable interest, utmost good faith, indemnity, subrogation, contribution, and proximate cause remain essential in maintaining contractual balance and ensuring legal certainty in insurance transactions. The study further identifies the growing importance of supervisory institutions, financial soundness requirements, dispute resolution mechanisms, and consumer protection standards in strengthening market integrity. Emerging challenges associated with digital insurance services, artificial intelligence, cybersecurity risks, and disaster risk financing indicate the need for adaptive regulatory strategies. The findings demonstrate that effective insurance governance requires the integration of doctrinal consistency, institutional supervision, and responsive legal reform to support sustainable development and public confidence in the Indonesian insurance sector.
Co-Authors Agestanio Yoniv Andana Berliana Azizah Dina Alya Maisan Husein Satria Muhaimin Fachrul Feryansyah Muhammad Bilhaq Azzam Naufal Hanif Fakhri Wibowo Rahma Ernanda Tiavani Suryo Satrio Saryanto Suryo Satriyo Saryanto