MEKANISME PENYELESAIAN SENGKETA ASURANSI

  • Anak Agung Gede Deva Yusa Wedangsa Laba Universitas Udayana
  • I Putu Rasmadi Arsha Putra Fakultas Hukum Universitas Udayana

Abstract

Penulisan penelitian ini bertujuan untuk berbagi pengetahuan dan memberikan sudut pandang baru dalam penyelesaian sengketa asuransi bagi pemegang polis asuransi. Di dalam penulisan penelitian ini, metode penelitian hukum bersifat normatif diaplikasikan dengan menggunakan cara pendekatan atas peraturan perundang-undangan serta pendekatan konseptual yang kemudian disajikan dalam bentuk laporan deskriptif. Hasil penelitian menunjukkan terdapat beberapa metode yang dapat ditempuh oleh pemegang polis guna menyelesaikan sengketa. Mulai dari pengaduan kepada perusahaan asuransi sesuai ketentuan Pasal 2 ayat (1) POJK 1 / 2014 dan Pasal 32 ayat (1) POJK 1 / 2013, pengaduan kepada OJK sesuai ketentuan Pasal 40 ayat (1) POJK 1 / 2013, penyelesaian sengketa dengan penggunaan lembaga alternatif penyelesaian sengketa sesuai ketentuan Pasal 2 ayat (5) POJK 1 / 2014 serta penyelesaian sengketa melalui proses kepailitan pada Pengadilan Niaga pada Pengadilan Negeri sesuai ketentuan pasal 52 ayat (1) POJK 28/2015.


Kata Kunci: Mekanisme, Sengketa Asuransi, Pemegang Polis


 


ABSTRACT


The purpose of this research is to share knowledge and provide a new perspective in insurance dispute resolution for insurance policy holders. In writing this research, normative legal research methods are applied by using an approach to legislation and a conceptual approach which is then presented in the form of a descriptive report. The results of the study show that there are several methods that can be taken by policyholders to resolve disputes. Starting from complaints to insurance companies in accordance with the provisions of article 2 paragraph (1) POJK 1 / 2014 and article 32 paragraph (1) POJK 1 / 2013, complaints to the OJK in accordance with the provisions of article 40 paragraph (1) POJK 1 / 2013, dispute resolution by using alternative dispute resolution institutions in accordance with the provisions of article 2 paragraph (5) of POJK 1 / 2014 as well as dispute resolution through the bankruptcy process at the Commercial Court at the District Court in accordance with the provisions of article 52 paragraph (1) POJK 28/2015.


Keywords: Mechanism, Insurance Dispute, Policy Holder

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Published
2021-07-28
How to Cite
YUSA WEDANGSA LABA, Anak Agung Gede Deva; ARSHA PUTRA, I Putu Rasmadi. MEKANISME PENYELESAIAN SENGKETA ASURANSI. Kertha Desa, [S.l.], v. 9, n. 6, p. 44-55, july 2021. Available at: <https://ojs.unud.ac.id/index.php/kerthadesa/article/view/73258>. Date accessed: 18 may 2024.
Section
Articles