Refusal Of Lıfe Insurance Claım Based On The Absence Of The Insured's Utmost Good Faıth

Riri Lastiar Situmorang (Faculty of Law, Gadjah Mada University, Student of Master of Law Program, Faculty of Law, Tarumanagara University)
Prof. Dr. Ariawan Gunadi, S.H., M.H. (Faculty of Law, Tarumanagara University)

Asian Journal of Management, Entrepreneurship and Social Science
Vol. 3 No. 03 (2023): August, Asian Journal of Management, Entrepreneurship and Social Science

Insurance is a product used by the community with the aim of transferring risks from the insured to the insurer, namely the insurance company. In general, insurance is divided into 2 (two), namely loss insurance (general insurance) and life insurance. The problem that generally occurs in the insurance sector is the rejection of claims, especially in life insurance products, one of which is the absence of good faith by the insured, which is also one of the principles in life insurance, namely utmost good faith. The purpose of this research is to know and understand the things included in utmost good faith in life insurance. This research was conducted using normative research with data collection through literature study. Based on the results of the research, it is known that the rejection of life insurance claims based on the principle of utmost good faith is closely related to the assessment of whether the information is the main cause of the onset of coverage and is submitted clearly, correctly and accurately