Perlindungan Hukum terhadap Pemegang Polis Asuransi atas Keterlambatan Pembayaran Klaim pada Asuransi Jiwa

Abstract

Insurance business in Indonesia often occurs problems such as late payment of insurance claims from insurance companies to insurance policyholders. One of them happened to Asuransi Jiwa Bersama Bumi Putera which has been unable to pay the policyholder's insurance claims for many years. The insurance policyholder at the Tulungagung Branch of Bumi Putera Joint Life Insurance named Suprihatin has coordinated his colleagues to negotiate with the Bumi Putera Joint Life Insurance Company regarding his rights in the form of insurance claims that have not been paid for many years but the result is nil. There are various pedestals thrown by the Bumi Putera Joint Life Insurance Company, namely incomplete files, there are still queues throughout Indonesia, files are tucked away so that something is missing and so on. This study aims to find out how the responsibility of the insurance company if it is late in paying claims to the insurance policyholder. The normative juridical method is the method used in this study that provides a conclusion that the responsibility that must be given by the insurance company is a contractual responsibility where the responsibility is in accordance with the agreement contained in the insurance policy. Keywords: Insurance, Claim, Bumi Putera