ANALISIS KASUS PRODUK ASURANSI JS SAVING PLAN JIWASRAYA DALAM ASPEK HUKUM INDONESIA

Authors

  • Dendinar Fakultas Hukum Universitas Padjajaran

Abstract

Asuransi ialah perjanjian antara kedua belah pihak ialah pihak penanggung serta pihak tertanggung. Yang mana dalam perihal ini pihak tertanggung ialah nasabah serta pihak penanggung yakni industri asuransi. Salah satu produk asuransi yang sedang tumbuh merupakan produk bancassurance. Bancassurance merupakan sesuatu program kerja sama antara bank dengan industri asuransi. Pihak bank hendak menjual produk asuransi dari suatu industri asuransi langsung kepada nasabahnya serta nantinya kedua belah pihak hendak berbagi keuntungan dari komisi penjualan produk asuransi tersebut. Permasalahan kandas bayar polis PT. Asuransi Jiwasraya Persero pada produk asuransi JS Saving Plan memunculkan bermacam berbagai persoalan terpaut regulasi asuransi berbalut investasi. Perkara kandas bayar PT Asuransi Jiwasraya (Persero) dinilai diakibatkan oleh salah satu aspek ialah kurang optimalnya sistem pengawasan yang dipunyai OJK terhadap industri asuransi Jiwasraya.

Kata Kunci: Asuransi, Jiwasraya, OJK

 

Insurance is an agreement between two parties, namely the insurer and the insured. In this case, the insured party is the customer and the insurer is the insurance industry. One of the insurance products that is growing is the bancassurance product. Bancassurance is a collaborative program between banks and the insurance industry. The bank wants to sell insurance products from an insurance industry directly to its customers and later both parties want to share the profits from the sales commission of the insurance product. The problem has run aground on paying the PT. Asuransi Jiwasraya Persero in its JS Saving Plan insurance product raises various problems related to insurance regulations wrapped in investment. The case that PT Asuransi Jiwasraya (Persero) failed to pay was judged to be caused by one aspect, namely the lack of optimal supervision of the OJK's supervisory system for the Jiwasraya insurance industry.

Keywords: Insurance, Jiwasraya, OJK

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Published

2022-06-30