LEGAL PROTECTION POLICYHOLDERS KRESNA LIFE POST CANCELLATION OF BANKRUPTCY VERDICT
Abstract
The economy in Indonesia is progressing, one of which is sourced from the insurance industry. In Article 246 of the Code of Business Law (KUHD), insurance is an agreement with which an insurer binds himself to an insured by receiving a premium to provide reimbursement to him for a loss, damage, or loss of expected profit that he may suffer due to an insanity event. In the writing of this thesis there are two problems, namely how the legal protection of PT. Kresna Life against policyholders resulting from violations of Article 12 paragraph (1) of Financial Services Authority Regulation (POJK) No. 71/POJK.05/2016 on Insurance Financial Health and Reinsurance Companies and how the Financial Services Authority as a regulator protects policyholders regarding the decision of bankruptcy cancellation by the Supreme Court. This research method is normative juridical. Due to the violation of Article 12 paragraph (1) of Financial Services Authority Regulation (POJK) No. 71/POJK.05/2016 on Financial Health and Insurance Companies by Kresna Life regarding investment management to the detriment of policyholders because they are not fulfilled claims filed. The Financial Services Authority acted by imposing administrative sanctions against Kresna Life. On the other hand, some policyholders apply for bankruptcy related to the non-fulfilment of claims and the cassation rate verdict overturning the bankruptcy ruling is increasingly unclear regarding the ffulfilmentof the insured's rights. The Financial Services Authority (OJK) should be able to intervene in the submission of the bankruptcy application from the beginning by responding in writing related to approving or rejecting the application for bankruptcy as referred to in Article 51 paragraph (3) of Law No. 40 of 2014 on Insurance as a form of protection for policyholders. However, the Financial Services Authority did not take any action in this case.
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Laws and Regulations
Kitab Undang-undang Hukum Perdata (buku ke-III tentang Perikatan)
Kitab Undang-undang Hukum Dagang (Bab IX tentang Asuransi dan Pertanggungan seumumnya)
Undang-undang nomor 8 tahun 1999 tentang Perlindungan Konsumen LN Nomor 42; TLN Nomor 3821
Undang-undang Nomor 37 tahun 2004 tentang Kepailitan dan Penundaan Kewajiban Pembayaran Utang, LN Nomor 131; TLN Nomor 4443
Undang-undang Nomor 21 tahun 2011 tentang Otoritas Jasa Keuangan, LN Nomor 111; TLN Nomor 5253
Undang-undang Nomor 40 tahun 2014 tentang Perasuransian, LN Nomor 337; TLN Nomor 5618.
Peraturan Otoritas Jasa Keuangan Nomor 1/POJK.07/2013 tentang Perlindungan Konsumen Sektor Jasa Keuangan, LN Nomor 118
Peraturan Otoritas Jasa Keuangan Nomor 1/POJK.07/2014 tentang Lembaga Alternatif Penyelesaian Sengketa, LN Nomor 12
Peraturan Otoritas Jasa Keuangan Nomor 23/POJK.05/2015 tentang Produk Asuransi dan Pemasaran Produk Asuransi, LN Nomor 28
Peraturan Otoritas Jasa Keuangan Nomor 69/POJK.05/2016 tentang Penyelenggaraan Usaha Perasuransian Asuransi, Perusahaan Asuransi Syariah, Perusahaan Reasuransi, dan Perusahaan Reasuransi Syariah, LN: 302
Peraturan Otoritas Jasa Keuangan Nomor 71/POJK.05/2016 tentang Kesehatan Keuangan Perusahaan Asuransi dan Perusahaan Reasuransi, LN Nomor 304
Peraturan Otoritas Jasa Keuangan Nomor 73/POJK.05/2016 tentang Tata Kelola Perusahaan yang Baik bagi Perusahaan Perasuransian; LN Nomor 306
Peraturan Otoritas Jasa Keuangan Nomor 17/POJK.05/2017 Tentang Prosedur Dan Tata Cara Pengenaan Sanksi Administratif Di Bidang Perasuransian Dan Pemblokiran Kekayaan Perusahaan Asuransi, Perusahaan Asuransi Syariah, Perusahaan Reasuransi, Dan Perusahaan Reasuransi Syariah, LN Nomor 91
Peraturan Otoritas Jasa Keuangan No. 61 tahun 2020 tentang Lembaga Alternatif Penyelesaian Sengketa Sektor Jasa Keuangan, LN Nomor 290
