PERTANGGUNGJAWABAN BADAN HUKUM ASURANSI JIWA BERSAMA BUMIPUTERA 1912 TERHADAP PEMEGANG POLIS DALAM PENYELESAIAN KLAIM TERTUNGGAK

Akhmad Kautsar Fattah., . (2026) PERTANGGUNGJAWABAN BADAN HUKUM ASURANSI JIWA BERSAMA BUMIPUTERA 1912 TERHADAP PEMEGANG POLIS DALAM PENYELESAIAN KLAIM TERTUNGGAK. Tesis thesis, Universitas Pembangunan Nasional Veteran Jakarta.

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Abstract

This study aims to analyze the legal construction of mutual enterprises as legal subjects and evaluate the legal liability of AJB Bumiputera 1912 toward policyholders in settling outstanding claims. The primary legal issues stem from a normative vacuum regarding member liability limits, default crises, and court decision disparities that prejudice policyholders. This normative legal research employs statutory, conceptual, case, and comparative approaches. Findings reveal that mutual enterprises in Indonesia constitute sui generis legal entities where policyholders act simultaneously as members and owners. However, current regulations under Law No. 40 of 2014, PP No. 87 of 2019, and POJK No. 7 of 2023 lack legal certainty concerning liability mechanisms and liquidation procedures. While the Benefit Value Reduction (PNM) policy is procedurally valid via General Member Meetings, it compromises substantive justice by shifting management failures onto policyholders. Based on a comparative study of civil law systems in the Netherlands (OWM/BW), Germany (VVaG/VAG), and France (SAM/Code des assurances), an urgent legal reformulation is required from Pure Collective Liability to a Limited Mutual Liability Framework. This framework establishes explicit member liability indicators, policy guarantee schemes, and strict fiduciary liability for management to ensure substantive justice.

Item Type: Thesis (Tesis)
Additional Information: [No.Panggil: 2410622031] [Pembimbing 1: Aurora Jillena Meliala] [Pembimbing 2: Atik Winanti] [Penguji 1: Wardani Rizkianti] [Penguji 2: Diani Sadiawati]
Uncontrolled Keywords: Legal Responsibility, Bumiputera 1912 Joint Life Insurance, Policyholder, Outstanding Claim.
Subjects: K Law > K Law (General)
Divisions: Fakultas Hukum > Program Studi Hukum (S2)
Depositing User: AKHMAD KAUTSAR FATTAH
Date Deposited: 04 Sep 2026 10:36
Last Modified: 04 Sep 2026 10:36
URI: http://repository.upnvj.ac.id/id/eprint/53699

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