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Sukarja, Detania
Faculty Of Law, Universitas Sumatera Utara, Medan, Indonesia.
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Journal : JOURNAL OF SCIENCE AND SOCIAL RESEARCH

 1 
ASPEK HUKUM PERANAN OTORITAS JASA KEUANGAN (OJK) DALAM PEMENUHAN HAK PEMEGANG POLIS ASURANSI OLEH PERUSAHAAN ASURANSI YANG TELAH DINYATAKAN PAILIT Zhavira, Zhavira; Sunarmi, Sunarmi; Purba, Hasim; Sukarja, Detania
JOURNAL OF SCIENCE AND SOCIAL RESEARCH Vol 8, No 4 (2025): November 2025
Publisher : Smart Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54314/jssr.v8i4.5066

Abstract

Abstract: Insurance companies that are in a critical period will raise receivables for policy holders, so that the policy holders are entitled to the money and ask the insurance company to pay the insurance claim debt in accordance with the previously agreed insurance policy. Claiming insurance can lead to problems, such as the company not being able to provide insurance claims, which can lead to debts and possibly the insurance company going bankrupt. What are the consequences of bankruptcy law on insurance companies that have been declared bankrupt? What is the position of insurance policy holders in insurance companies that have been declared bankrupt? What is the role of the Financial Services Authority in protecting the rights of insurance policy holders against insurance companies that have been declared bankrupt? The research method used in this research is normative legal research with library study data collection. The data sources used in this research are primary and secondary data sources and the data analysis used is qualitative. The results of this research are (1) An insurance company that is declared bankrupt or insolvent based on a Commercial Court decision, results in the company losing its civil rights to control and manage its assets since the bankruptcy decision was declared. (2) The policy holder is positioned in the group of creditors with special privileges or as a preferred creditor whose level is higher or prioritized in receiving their rights regarding the distribution of their assets. (3) The Financial Services Authority is required to ensure that the company is insolvent in order to protect more significant interests. Keyword: Bankruptcy, Insurance Company, Financial Services Authority Abstrak: Perusahaan asuransi yang berada dalam masa kritis akan memunculkan piutang bagi  pemegang  polis,  sehingga  pemegang  polis  berhak  atas  uang tersebut  dan meminta  kepada  perusahaan  asuransi  untuk  membayarkan utang  klaim  asuransi sesuai  dengan  polis  asuransi yang  telah  disepakati  sebelumnya. Untuk mengklaim sebuah asuransi bisa saja mendapat permasalahan, seperti halnya pihak perusahaan tidak dapat  memberikan klaim asuransi sehingga dapat memunculkan utang dan memungkinkan perusahaan asuransi tersebut mengalami pailit. Bagaimana akibat hukum kepailitan terhadap perusahaan asuransi yang telah dinyatakan pailit Bagaimana kedudukan pemegang polis asuransi pada perusahaan asuransi yang telah dinyatakan pailit. Bagaimana peran Otoritas Jasa Keuangan dalam melindungi hak pemegang polis asuransi terhadap perusahaan asuransi yang telah dinyatakan pailit. Metode penelitian yang digunakan dalam penelitian ini adalah penelitian hukum normatif dengan pengumpulan data studi kepustakaan. Sumber data yang digunakan dalam penelitian ini adalah sumber data primer dan sekunder dan analisis data yang digunakan bersifat kualitatif. Hasil penelitian iniadalah (1) Perusahaan asuransi yang dinyatakan bangkrut atau pailit berdasarkan putusan Pengadilan Niaga, mengakibatkan Perusahaan tersebut kehilangan hak keperdatanya untuk menguasai dan mengurus kekayaannya sejak putusan pailit dinyatakan. (2) Pemegang polis diposisikan dalam golongan kreditor dengan hak istimewa atau sebagai kreditur preferent yang tingkatannya lebih tinggi atau diutamakan dalam menerima hak-haknya atas pembagian harta kekayaannya. (3) Otoritas Jasa Keuangan diharuskan memastikan bahwasanya perusahaan tersebut memanglah dalam keadaan insolvent guna melindungi kepentingan yang lebih signifikan pula. Kata kunci: Kepailian, Perusahaan Asuransi, Otoritas Jasa Keuangan
Co-Authors Affila Agusmidah Agusmidah Agustono Ariska, Jeffrey Ahmad, Akiruddin Ali Mulyo Utomo Alvi Syahrin Amala, Sri Rizky Amirah Ainun Sofiah Hasibuan Ammanawwara, Ammanawwara Andjelina Panggabean, Lamsumihar Andy Isnanda Anwar, Tengku Keizrina Devi Atika Chyntya Aulia, Kevin Azhar Ismadi Azwar, Tengku Keizerina Devi Barran Hamzah Nasution BISMAR NASUTION Bismar Nasution Bridail, Bridail BUDIMAN GINTING Budiman Ginting Carl Augustinus Hothinca Soutihon Tampub Charles Anom Chelin Claudia Cindy Theresia Br Manurung Daniel Perananta Perananta Daulay, Harmona Dea Vony Nifili Zega Dedi Harianto Demak Aspian Devano Yohannes Dian Meinar Edgar, Devon Ekaputra, Mohammad Elise ELYSIA ZANETA Sinaga Emya Pratidina Sembiring Faisal Akbar Nasution Fitraeva Pane, Yos Fitri Yanni Dewi Siregar Gary Barus Hafizhah, Annisa Harahap, Mhd Dicky Safii Hari Wijaya Harmona Daulay Hasibuan, Rahmat Anshar HASIM PURBA Hasyim Purba Hendri Kurniawan Henry Sinaga Hutabarat, Jenrico Louis Ikhsan Lubis Ikhsan Lubis Ikhsan Lubis Imastian Chairandy Siregar Jannah, Rizki Nurul Jelly Leviza Jeni JAudria Loviana Jesica Pasaribu Keizeirina Devi Keizerina Devi Keizerina Devi Azwar, T Keulana Erwin Kezerina Devi Khair, Azizan Khairunnisa Sembiring Kristania Felita Lisa Andriati, Syarifah Lubis, Ikhsan Lubis, Mayang Sary Br Lubis, Tri Murti Lydia Wirawan Madiasa Ablisar Mahmud Mulyadi Mahmul Siregar MAHMUL SIREGAR Malik Hamid Malik, Rahman Manik, Candoro Tua Marbun, Liza Dameria Maria Fitriani Lubis Mariane Magda Ketaren Marlina Marlina Marlina Marlina, Marlina Mayang Sary Br Lubis Mochtar Indra Efendi Siregar Muhammad Akbar Muhammad Hadi Muhammad Zhafran Nada Indah Fitrahhani Namora*, Ola Fatimah Napitupulu, Bani Praseto Natcha, Natcha Naufal Hidayat NINGRUM NATASYA SIRAIT Ningrum Sirait OK. Saidin Parlin Dony Sipayung Perangin-angin, Donsisko Putri, Zelika Annisa Rahmat Anshar Hasibuan Rahmat Hasibuan Rahmi Handayani Rahmi Pambpha Patresia M Raymond Adytia Depari Rezki Arafah Rina Alamanda Nasution Ririn Aprillyani Ritonga, Syahdani Rizky Wardiman Rizki Putra, Rahmat Rizkita, Cindy Robert Robert Robert Robert, Robert Rommy Hamzah Rosmalinda, Rosmalinda Rosnidar Sembiring Rudy Haposan Siahaan Rugun Maylinda Rumahorbo, Alberth Mangasi Ruth Siallagan Ryan Samuel Saidin Saidin Saidin, OK Saidin, OK. Salomo Kevin Samuel Midian Tarigan Sarah Indah Nilam Wulandari Sarah Pratiwi Siahaan, Josephine Clara Lamuli Sihombing, Harafuddin Sipahutar, Regina Lois Priscilla Siregar , Mahmul Situmorang, Patricia Catheleene Joty Star Parulian Steven Simanjuntak Sunarmi Sunarmi Sunarmi Sunarmi Sunarmi Sunarmi Sunarmi Sunarmi Sunarmi Sunarmi Sunarmi Sunarmi Sunarmi, Sunarmi Syafrizal Helmi Situmorang Syarifah Lisa Andriati Sylvina Anggita T. Keizerina Devi A T. Keizerina Devi Azwar T. Keizerina Devi Azwar Tamiarisa Amanda Fasa Rambe Tarigan, Gita Gisela Andriani Br Tarigan, Klaudius Epikuri Loga Tarsisius Murwadji Tarsisius Murwadji Tarsius Murwadji Tengku Keizrina Devi Anwar Tony Adam Tri Murti Tri Murti Lubis Tri Murti Lubis Tumanggor, Deynisa Bella Upsa Vision Vanesia Murni Wahyudi, Ichsan Wessy Trisna Wilbert Wilbert Winda Ramadhani Windy Grace Yeni Sandy Bangun, Yeni Sandy Bangun Yesi Ansari Yessica Agnes Zhavira, Zhavira `Saidin, OK.