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JURNAL ILMIAH ADVOKASI
Published by Universitas Labuhanbatu
ISSN : 23377216     EISSN : 26206625     DOI : 10.36987/jiad
Core Subject : Social,
Law, Crime, Criminology & Criminal Justice
Jurnal Ilmiah ADVOKASI adalah jurnal yang dikelola oleh Fakultas Hukum Universitas Labuhanbatu, Sumatera Utara. Jurnal Ilmiah ADVOKASI menerima artikel ilmiah dari hasil penelitian, diterbitkan 2 nomor dalam satu volume setiap bulan pada bulan Maret dan September. Jurnal ini fokus mempublikasi hasil penelitian orisinal yang belum diterbitkan di manapun pada bidang Ilmu Hukum dan aplikasi ilmu Hukum dan Perundang-undangan.
Arjuna Subject : Ilmu Sosial - Hukum
Articles 371 Documents
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PERTANGGUNGJAWABAN HUKUM ATAS PENOLAKAN KLAIM ASURANSI OLEH PT ASURANSI JIWA GENERALI INDONESIA: ANALISIS PUTUSAN NOMOR 149/Pdt.G/2024/PN Medan Rizki, Rizki; Nduru, Jeskon Amir; Ketaren, Jeremi Sahputra; Law, Lorenzo
Jurnal Ilmiah Advokasi Vol 14, No 1 (2026): Jurnal Ilmiah Advokasi
Publisher : Universitas Labuhanbatu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/jiad.v14i1.8079

Abstract

This study examines Decision Number 149/Pdt.G/2024/PN Medan concerning a dispute over the rejection of a life insurance claim and its implications for legal protection of policyholders in Indonesia. The research employs a normative juridical method through doctrinal analysis of court decisions, using statutory, conceptual, and case approaches. The statutory approach refers to Law No. 40 of 2014 on Insurance and the Consumer Protection Law, while the conceptual approach is grounded in the principles of pacta sunt servanda and legal protection theory. The findings reveal that the insurer rejected the claim on the grounds of alleged misrepresentation of the insured’s health condition. However, the court found that such grounds were not supported by sufficient evidence and failed to meet the principle of good faith. Consequently, the rejection was deemed a breach of contract that harmed the policyholder. The decision reaffirms that insurance companies bear contractual obligations that must be performed in accordance with legal certainty and consumer protection principles. Furthermore, the ruling reinforces both preventive and repressive legal protection frameworks, as articulated by Philipus M. Hadjon, and highlights the role of the Financial Services Authority (OJK) and the Financial Services Sector Alternative Dispute Resolution Institution (LAPS SJK) in resolving insurance disputes. From a theoretical perspective, this study contributes to the development of insurance law by clarifying standards of proof in claim rejection and strengthening the application of the good faith principle in insurance contracts. This study recommends strengthening regulatory frameworks on policy transparency, optimizing alternative dispute resolution mechanisms, and accelerating the establishment of a Policy Guarantee Institution to enhance legal certainty and protection for life insurance policyholders in Indonesia.Keywords: Life Insurance, Legal Protection, Claim Dispute, Breach of Contract, Good Faith Principle

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