SOLICHIN, RIZKY AMALIA. 2021. PERLINDUNGAN HUKUM TERHADAP
TERTANGGUNG PT ASURANSI JIWASRAYA AKIBAT
GAGALNYA PEMBAYARAN POLIS JIWASRAYA SAVING PLAN
Program Pascasarjana, Program Magister Ilmu Hukum Universitas
Lambung Mangkurat Banjarmasin. Pembimbing Utama Prof. Dr. H. Abdul
Halim Barkatullah, S.Ag.S.H,M.H., dan Pembimbing Pendamping Dr. Hj.
Yulia Qamariyanti, S.H.,M.Hum. 178 halaman
ABSTRACT
Keywords : Legal Protection, Insured, JiwasrayaPolicy Saving Plan
In 2013 PT Asuransi Jiwasraya offered Jiwasraya Saving Plan products, which
would then be shortened to JS Saving Plan. JS Saving Plan is a life insurance
product as well as investment offered through banking or banc insurance. Seeing
the development of the JS Saving Plan product offered by PT Asuransi Jiwasraya,
it turns out that it is not directly proportional to the reality on the ground, as long
as the failure of thepolicy payment goes on, it JS Saving Plan brings a bright
point that the JS Saving Plan product is not included in an insurance product but
is included in it. banking sector if there is an insurance company that has a
companion product (rider) in the form of a saving plan, then this violates the law.
The method used is the Normative Law Research Type, Legal Systematic Research
TypeApproach Problem Approach (statute approach, Statute), the nature of
library research using primary, teriser, and secondary legal materials.
There has been a deviation (an act against the law) of PT Asuransi Jiwasraya to
collect funds from the JS Saving Plan product by placing investments in the form
of shares and mutual funds which cause losses to the insured and the state must
take responsibility, besides that it is also clear that PT Asuransi Jiwasraya has
violated the rules. Good governance for the company.
Theoretically, the responsibility that should be carried out by PT Asuransi
Jiwasraya to the insured is a contractualliability, but here, PT Asuransi
Jiwasraya, which is a state-owned company, where the government owns PT
Asuransi Jiwasraya, is also responsible for the losses suffered by the insured by
restructuring.