PERMASALAHAN DALAM UPAYA PENYELESAIAN SENGKETA ASURANSI (STUDI KASUS PUTUSAN PENGADILAN NEGERI MEDAN NOMOR: 720/PDT.SUS-BPSK/2018/PN.MDN)

Abstract

Abstrak

Penelitian ini bertujuan untuk menganalisa seiring dengan berkembangnya bisnis asuransi khususnya dibidang asuransi pertanggungan jiwa, berpotensi menimbulkan permasalahan/kerumitan yang dialami baik oleh pelaku bisnis asuransi maupun terhadap pemegang polis, oleh karenanya kehadiran lembaga penyelesaian sengketa asuransi menjadi sangat diperlukan ditengah perkembangan usaha asuransi yang semakin maju. Selain diperlukannya eksistensi lembaga penyelesaian permasalahan asuransi sebagai lembaga yang diharapkan mampu memberikan solusi bagi para pihak didalam perjanjian polis, eksistensi lembaga ini pun diharapkan mampu menjadi corong/tonggak mitigasi risko timbulnya permasalahan pelaksanaan usaha asuransi, perkembangan bisnis usaha asuransi, maupun mitigasi risiko terhadap kesalahan pemahaman/pengetahuan masyarakat tentang Perjanjian Polis. permasalahan yang sering terjadi dikalangan masyarakat khususnya di Indonesia, permasalahan yang timbul umumnya diakibatkan karena kesalahan pemahaman masyarakat terhadap suatu produk asuransi, ataupun kesalahan agen asuransi dalam menawarkan dan menjelaskan suatu produk asuransi, sehingga lembaga penyelesaian permasalahan perdata asuransi diharapkan mampu memberikan ruang kepada pelaku usaha asuransi dan tertanggung yang mampu secara efektif memberikan kepastian perlindungan hukum sampai pada terjaganya hak – hak daripada konsumen.

Kata Kunci : Asuransi; Perjanjian; Arbitrase.

Abstract

This study aims to analyze along with the development of the insurance business, especially in the field of life insurance, it has the potential to cause problems/complications experienced by both insurance business people and policyholders, therefore the presence of an insurance dispute resolution institution is indispensable amid the increasingly advanced development of the insurance business. In addition to the need for the existence of an insurance problem solving institution as an institution that is expected to be able to provide solutions for the parties in the policy agreement, the existence of this institution is also expected to be a mouthpiece/milestone for risk mitigation of problems arising in the implementation of the insurance business, development of the insurance business business, as well as risk mitigation of misunderstandings/public knowledge about the Policy Agreement. problems that often occur among the public, especially in Indonesia, problems that arise are generally caused by people's misunderstanding of an insurance product, or an insurance agent's mistake in offering and explaining an insurance product, so that insurance civil dispute resolution institutions are expected to be able to provide space for insurance business actors and the insured who is able to effectively provide certainty of legal protection to the maintenance of the rights of consumers.

Keywords: Insurance; Contract; Arbitration.