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Gedung K1 Jurusan Hukum Fakultas Ilmu Sosial dan Hukum Universitas Negeri Surabaya Jl. Ketintang, Surabaya
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Novum : Jurnal Hukum
Published by Universitas Negeri Surabaya
ISSN : -     EISSN : 24424641     DOI : doi.org/10.26740/novum
Core Subject : Social,
Law, Crime, Criminology & Criminal Justice
Jurnal novum memuat tulisan-tulisan ilmiah baik hasil-hasil penelitian maupun artikel dalam bidang ilmu hukum, hukum perdata, hukum pidana, hukum tata negara, hukum administrasi negara dan bidang-bidang hukum lainnya.
Arjuna Subject : Ilmu Sosial - Hukum
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Search results for , issue "Vol. 12 No. 3 (2025)" : 1 Documents clear
Juridical Analysis of the Inclusion of Standard Clauses Regarding Changes in Investment Fund Management Fees Unilaterally by Business Actors in Life Insurance Policies PT Prudential Life Assurance Candrawati, Devia; Sulistyowati, Eny
NOVUM : JURNAL HUKUM Vol. 12 No. 3 (2025)
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.2674/novum.v2i2.54154

Abstract

This study explores the legal issues surrounding standard clauses in life insurance agreements, focusing on clause Number 5.6 in the policy of PT Prudential Life Assurance. Insurance serves as a form of risk management in response to life’s uncertainties. However, standard agreements, particularly in life insurance, often favor business actors and may disadvantage consumers. One such clause requires consumers to accept unilateral changes made by the insurer, raising concerns under consumer protection law. The research aims to analyze the normative conflict between Prudential’s policy clause and Article 18(1)(g) of the Consumer Protection Act and Article 22(3)(f) of Financial Services Authority Regulation No. 1/POJK.07/2013. The study also examines the legal remedies available to consumers who are affected by such clauses. Using a normative juridical method with statutory and conceptual approaches, the study relies on primary and secondary legal materials. The findings conclude that Clause 5.6 contradicts the aforementioned legal provisions, as it allows unilateral changes by the insurer, which is prohibited in consumer agreements. This violates principles of fairness and legal certainty. As a result, consumers may pursue legal remedies through both litigation (e.g., filing claims in court) and non-litigation avenues (e.g., dispute resolution bodies or mediation), in accordance with Indonesia’s positive law. The study highlights the need for stronger regulatory oversight and enforcement to protect consumer rights in the financial services sector.  

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