PENOLAKAN KLAIM ASURANSI JIWA OLEH PERUSAHAAN ASURANSI PASCA TERTANGGUNG MENINGGAL DUNIA (STUDI KASUS PUTUSAN NO. 3079/K/2019 DAN NO. 38/PDT.G/2024/PN. TGL)

Naila Kamila Rahman, . (2026) PENOLAKAN KLAIM ASURANSI JIWA OLEH PERUSAHAAN ASURANSI PASCA TERTANGGUNG MENINGGAL DUNIA (STUDI KASUS PUTUSAN NO. 3079/K/2019 DAN NO. 38/PDT.G/2024/PN. TGL). Skripsi thesis, Universitas Pembangunan Nasional Veteran Jakarta.

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Abstract

The development of the banking sector has created various conveniences in credit access, prompting the use of life insurance as a risk mitigation instrument. However, in practice, the phenomenon of life insurance claim rejection after the debtor's death raises complex legal problems involving three parties: creditors, heirs, and insurance companies. This study analyzes the legal certainty of life insurance as a risk mitigation instrument for credit settlement and the influence of the juridical construction of trilateral relationships in claim rejection cases, particularly after the enactment of POJK No. 20 of 2023. This research employs a normative juridical method with a statutory approach. Secondary data were collected through literature studies from primary legal materials (Civil Code, Commercial Code, Law No. 40 of 2014, POJK No. 20 of 2023), secondary legal materials (books, journals, theses), and court decisions (Decision No. 38/Pdt.G/2024/PN.Tgl and Supreme Court Decision No. 3079K/Pdt/2019). Data analysis was conducted qualitatively. The results show that the legal certainty of life insurance as a risk mitigation instrument has experienced significant development with the presence of POJK No. 20 of 2023, which regulates in detail the claim payment mechanism, prohibition of delaying claim payments, risk sharing mechanism (75:25), and strict underwriting requirements. However, its implementation still faces challenges related to burden sharing negotiations and cross-sectoral regulatory harmonization. The juridical construction of trilateral relationships creates legal complexity vulnerable to conflict, especially when claim rejection creates a vacuum of liability. Imbalanced bargaining positions, information asymmetry, and unbalanced application of the utmost good faith principle are the main factors in claim rejection. Heirs as the most vulnerable party bear a double burden: losing family members while bearing debts that should be covered by insurance. This study recommends strengthening OJK supervision, transparency of insurance product information, simplification of claim procedures, and improvement of public financial literacy to realize a fair credit life insurance mechanism that protects the interests of all parties.

Item Type: Thesis (Skripsi)
Additional Information: [No. Panggil : 2210611403] [Pembimbing : Sulastri] [Ketua Penguji : Wardani Rizkianti] [Penguji 1 : Dwi Aryanti Ramadhani] [Penguji 2 : Sulastri]
Uncontrolled Keywords: Insurance Claim, Denial, Credit Settlement, Post-Mortem Debtor.
Subjects: K Law > K Law (General)
Divisions: Fakultas Hukum > Program Studi Hukum (S1)
Depositing User: NAILA KAMILA RAHMAN
Date Deposited: 08 Apr 2026 07:05
Last Modified: 08 Apr 2026 07:05
URI: http://repository.upnvj.ac.id/id/eprint/49856

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