scholarly journals WANPRESTASI PEMBAYARAN KLAIM ASURANSI JIWA AKIBAT KELALAIAN PENYERAHAN BERKAS OLEH MITRA PENANGGUNG SEBAGAI KOLEKTOR PENGAJUAN KLAIM (Studi Kasus Sertifikat Asuransi Polis Nomor 15.001673)

2018 ◽  
Vol 1 (2) ◽  
pp. 184-198
Author(s):  
Inawati Santini
Keyword(s):  
Life Insurance ◽  
Insurance Policy ◽  
Insurance Claims ◽  
Insurance Claim ◽  
Fixed Rate ◽  
Permanent Disability ◽  
Family Finances ◽  
Conducting Research ◽  
Object Of Study ◽  
Insurance Agreement

At this time many banks are incentive to lure consumer credit to consumers. In general, consumer loan interest rate is higher than productive credit, even there is a fixed rate. It seems that the fixed rate makes it easy to organize family finances, paying only monthly installments of the same amount, but if carefully calculated, the interest is much higher. Consumer Loan Protection with Insurance Policy Certificate 15.001673 is a life insurance product that guarantees repayment of the remaining amount of Loans and / or monthly loan installment of the Customer as Participant (Insured) to the Policyholder in case the Participant (the Insured) has a death risk or total temporary disability / Or total permanent disability. Although it is clear about the rights and obligations in the insurance agreement but the reality is very different because it turns out the insurer does not fulfill its obligations in the event of claim submission from the insured. Rejection of insurance claims may be made by the insurer under the pretext of submitting the file beyond the specified time limit. Issues to be studied further is how validation of denial of life insurance claim made by Jasindo in accordance with the insurance policy and existing legislation and whether Partner Error is can be classified as Wanprestasi payment of Insurance Claim for late in submission of policy file No: 15.001673. In conducting research, this research is normative law research that is research having object of study about rule or rule. The objective is to determine the validity of the refusal of insurance claims made by Jasindo in accordance with the existing insurance policies and regulations and to find out the Default Payment of Insurance Claims due to Delayed Submission by Marketing Party as Collector Submission of Claim on Insurance Certificate Number 15.001673

scholarly journals MEMBANGUN INTEGRATED TAKAFUL DAN WAKAF MODEL DALAM UPAYA MENINGKATKAN KEMANFAATAN PEMEGANG POLIS

2017 ◽  
Vol 1 (2) ◽  
pp. 139
Author(s):  
M. Lutfillah Habibi ◽  
Ana Toni Roby Candra Yudha
Keyword(s):  
Life Insurance ◽  
Qualitative Method ◽  
Insurance Policy ◽  
Insurance Claim ◽  
Study Strategy ◽  
Insurance Benefits ◽  
Interview Technique ◽  
Good Deed ◽  
Depth Interview

This study aims to build a model of sharia life insurance in Indonesia. A model that combines the functions of Takaful institutions (Sharia Insurance) with Indonesian Waqf Institutions to generate insurance benefits directly and indirectly to policyholders. The method used in this research using descriptive qualitative method with case study strategy about operational of Takaful which is compared with some literature of Al Qur'an and Hadith. The data were obtained from in-depth interview technique, book and literature as well as Hadith commentary study. The results of this study indicate that with the application of ITW model, the insurance claim of the deceased policyholder will be given to the heirs in the form of death funds, in addition to these benefits, the recipients of the policy are also indirectly get the good deeds of some of the funds invested into the waqf institutions. On the application of such a model, the owner of the life insurance policy gets worldly benefits and ukhrowi, namely the claim of death funds and the good deed of the investment of some premium funds to Waqf Institution.

scholarly journals ANALISIS PENERAPAN SISTEM INFORMASI AKUNTANSI PEMBAYARAN KLAIM ASURANSI JIWA DALAM MENINGKATKAN PELAYANAN KEPADA NASABAH (STUDI KASUS PADA PT ASURANSI JIWASRAYA PERSERO AREA LHOKSEUMAWE)

2019 ◽  
Vol 7 (2) ◽  
pp. 93
Author(s):  
Rayyan Firdaus ◽  
Nurul Akmal
Keyword(s):  
Information System ◽  
Qualitative Study ◽  
Life Insurance ◽  
Accounting Information ◽  
Primary Data ◽  
Insurance Company ◽  
Insurance Claims ◽  
Insurance Claim ◽  
Accounting Information System ◽  
Claim Number

This study was conducted to analyze the application of the Jiwasraya insurance claims payment accounting information system in improving service to customer life insurance claims. The data used in this study were primary data directly through the results of interviews with Jiwasraya Insurance Company employees, and customers. This is a descriptive qualitative study. The results of the study showed that the application of the life insurance claims payment accounting information system in improving service to customers at PT. Jiwasraya Insurance Persero Lhokseumawe area consisted of customers preparing all documents used in filing life insurance claims either died due to death or died due to accidents, following procedures for handling and administering death claims, waiting when checking procedures for recording life insurance claims i.e. by opening a claim payment in LBK in accordance with the account or estimated claim number in accordance with the applicable provisions, waiting for the results of life insurance claim reporting, and waiting for the results of the claim disbursement decision to be approved or rejected.

scholarly journals MEMBANGUN INTEGRATED TAKAFUL DAN WAKAF MODEL DALAM UPAYA MENINGKATKAN KEMANFAATAN PEMEGANG POLIS

2017 ◽  
Vol 1 (2) ◽  
pp. 139
Author(s):  
M. Lutfillah Habibi ◽  
Ana Toni Roby Candra Yudha
Keyword(s):  
Life Insurance ◽  
Qualitative Method ◽  
Insurance Policy ◽  
Insurance Claim ◽  
Study Strategy ◽  
Insurance Benefits ◽  
Interview Technique ◽  
Good Deed ◽  
Depth Interview

This study aims to build a model of sharia life insurance in Indonesia. A model that combines the functions of Takaful institutions (Sharia Insurance) with Indonesian Waqf Institutions to generate insurance benefits directly and indirectly to policyholders. The method used in this research using descriptive qualitative method with case study strategy about operational of Takaful which is compared with some literature of Al Qur'an and Hadith. The data were obtained from in-depth interview technique, book and literature as well as Hadith commentary study. The results of this study indicate that with the application of ITW model, the insurance claim of the deceased policyholder will be given to the heirs in the form of death funds, in addition to these benefits, the recipients of the policy are also indirectly get the good deeds of some of the funds invested into the waqf institutions. On the application of such a model, the owner of the life insurance policy gets worldly benefits and ukhrowi, namely the claim of death funds and the good deed of the investment of some premium funds to Waqf Institution.

scholarly journals Kedudukan Dana Asuransi Jiwa dalam Relevansinya dengan Pembagian Harta Warisan

2019 ◽  
Vol 4 (1) ◽  
pp. 17
Author(s):  
Aji Surya Pratama ◽  
Abdul Halim Barkatullah ◽  
Rahmida Erliyani
Keyword(s):  
Supreme Court ◽  
Life Insurance ◽  
Contract Law ◽  
Property Law ◽  
Insurance Policy ◽  
Legal Research ◽  
Inheritance Law ◽  
The Supreme Court ◽  
The Right ◽  
Insurance Agreement

The aims of this research are to study and analyze the heirs whose names are not mentioned as beneficaries in life insurance policy who have been left by the deceased who can be categorized as heirs. Method of this research is normative legal research, and the type of the research vague norm, namely, there is difference or insyncronization of the Judges of the Supreme Court in making verdicts concerning disputes of fund claims of life insurance among the heirs.The results of the research shows that insurance agreement constitutes the result of combination between property law especially testametary inheritance law and contract law, thus, life insurance agreement can be called as testament because inheritance is one of the way to get right of ownership of a property, in this matter sum insured. Nomination of the heirs as beneficiaries of the fund of life insurance has a characteristic of administrative because the heirs are actually the heirs stipulated in life insurance policy. From the aspect of the inheritance property, the name stated as beneficiaries in life insurance policy can only receive maximum 1/3 (one third) of the inheritance property left by the deceased. From the aspect of their position, the heirs in life insurance policy are merely as creditors (not substituting the right and obligation of the pewaris). The legitimacy heirs are entitled to claim the right to absolute portion protected by law (legitime portie) upon the sum insured which is contrary to their legitame portion. 

ANALISIS PENERAPAN TEORI OBJEKTIVITAS DALAM ASURANASI KAPAL ANTARA PT. BRINGIN SEJAHTERA ARTAMAKMUR DAN PT. DJAKARTA LLOYD (STUDI PUTUSAN NO.423/PDT.G/2011/ PN.JKT.PST.)

2018 ◽  
Vol 1 (2) ◽  
pp. 178
Author(s):  
Gibran Budi Nugroho ◽  
Stanislaus Atalim
Keyword(s):  
Research Method ◽  
Insurance Company ◽  
Insurance Policy ◽  
Insurance Claims ◽  
Insurance Law ◽  
Insurance Business ◽  
Definition Of ◽  
Insurance Agreement

In the insurance agreement, of course, there is an insurance object where the insurance object must be notified in detail by the insured to the insurer if it will not be threatened by the cancellation of the agreement. This is supported by one of the theories developed in insurance business, namely the theory of objectivity supported by article 251 KUHD This research is a study of the application of the theory of objectivity to Decree Number 423 / Pdt.G / 2011 / PN.Jkt.Pst because of the claim from PT. Djakarta Lloyd from the insurance object in the form of MV Jatiwangi PB 400 vessel that has been insured to PT Asuransi Bringin Sejahtra Artamakmur (PT BSAM), but the insurance company rejects the claim on the grounds that the ship was damaged at the time of signing the insurance policy. So that the problem arises how to apply the theory of objectivity to the rejection of insurance claims made by (PT BSAM)? is the application of the theory of objectivity in Indonesian insurance law correct? The research method used is a normative juridical research method. Data from the study shows that based on Article 251 KUHD and the theory of objectivity is a description of the honesty of insurance participants with the threat of cancellation of insurance if the insured party is proven not to have good intentions. Based on the definition of objectivity theory and Article 251 KUHD the author wants to discuss how it applies to ship insurance

Assessing the Impact of Suicide Exclusion Periods on Life Insurance

Crisis ◽  
2010 ◽  
Vol 31 (4) ◽  
pp. 217-223 ◽  
Author(s):  
Paul Yip ◽  
David Pitt ◽  
Yan Wang ◽  
Xueyuan Wu ◽  
Ray Watson ◽  
...  
Keyword(s):  
Life Insurance ◽  
Accidental Death ◽  
Insurance Policy ◽  
Death Rates ◽  
Insurance Policies ◽  
Suicidal Death ◽  
Insured Individual ◽  
The Impact ◽  
Insurance Data ◽  
The Relationship

Background: We study the impact of suicide-exclusion periods, common in life insurance policies in Australia, on suicide and accidental death rates for life-insured individuals. If a life-insured individual dies by suicide during the period of suicide exclusion, commonly 13 months, the sum insured is not paid. Aims: We examine whether a suicide-exclusion period affects the timing of suicides. We also analyze whether accidental deaths are more prevalent during the suicide-exclusion period as life-insured individuals disguise their death by suicide. We assess the relationship between the insured sum and suicidal death rates. Methods: Crude and age-standardized rates of suicide, accidental death, and overall death, split by duration since the insured first bought their insurance policy, were computed. Results: There were significantly fewer suicides and no significant spike in the number of accidental deaths in the exclusion period for Australian life insurance data. More suicides, however, were detected for the first 2 years after the exclusion period. Higher insured sums are associated with higher rates of suicide. Conclusions: Adverse selection in Australian life insurance is exacerbated by including a suicide-exclusion period. Extension of the suicide-exclusion period to 3 years may prevent some “insurance-induced” suicides – a rationale for this conclusion is given.

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