INVESTMENT-BASED INSURANCE DISPUTE PREVENTION (UNITLINK) IN INDONESIA
Article Sidebar
Main Article Content
Abstract
Investment-based insurance (unitlink) is a hybrid product from insurance companies that is very vulnerable to causing disputes. Innovations in the development of unit-linked investment-based insurance products continue to cause constant polemics, many policyholders are disadvantaged. What efforts can be made in order to prevent the occurrence of such disputes. This research was carried out using a normative juridical method using a statutory and conceptual approach. Prevention of unitlink insurance disputes is to apply the principle of perfect honesty (Utmost good faith) for both policyholders and insurance agents. and improve the supervisory function of the Financial Services Authority (OJK) in accordance with existing regulations. Integrated supervision for all financial institutions in accordance with unitlink insurance which is a hybrid product of insurance and investment. Coordination between insurance company associations and OJK needs to be improved, so that supervision of insurance companies, in this case insurance agents can be carried out optimally, so as to prevent unit-linked insurance disputes.
Downloads
Article Details
This work is licensed under a Creative Commons Attribution 4.0 International License.
Hak cipta :
Penulis yang mempublikasikan manuskripnya di jurnal ini menyetujui ketentuan berikut:
- Hak cipta pada setiap artikel adalah milik penulis.
- Penulis mengakui bahwa UNES Law Review berhak menjadi yang pertama menerbitkan dengan lisensi Creative Commons Attribution 4.0 International (Attribution 4.0 International CC BY 4.0) .
- Penulis dapat mengirimkan artikel secara terpisah, mengatur distribusi non-eksklusif manuskrip yang telah diterbitkan dalam jurnal ini ke versi lain (misalnya, dikirim ke repositori institusi penulis, publikasi ke dalam buku, dll.), dengan mengakui bahwa manuskrip telah diterbitkan pertama kali di Jurnal UNES Law Review.
References
Bronto Hartono, “Prinsip Utmost Good Faith dalam Pelaksanaan Perjanjian Asuransi Jiwa PT. Asuransi Jiwasraya (Persero) di Regional Office Semarang”, Tesis (Semarang: Pascasarjana Undip, 2005), h. 34.
Hasbi Hasan, Efektivitas Pengawasan Otoritas Jasa Keuangan TerhadapLembaga Perbankan Syariah, Jurnal Legislasi Indonesia Vol. 9 No 3, Oktober 2012.
Sri Sulistyanto dan Rika Lidyah, 2002, Good Governance:Antara Idealisme dan Kenyataan, Modus, Vol. 4 (1), Februari,2002.
Sonda Marrakchi Chtourou, dkk., Corporate Governance and Earnings Management, Working Paper, April,2001.
Lestariningsih, Peranan Penerapan Good Corporate Governance Dalam Pengembangan Perusahaan Publik, spirit publik : Jakarta, 2008, hlm 5
Price Waterhouse Coopers, Conseptual Model of Corporate Governance Definition,(Makalah disampaikan pada BPPN Workshop for Recapitalised, Jakarta, 2000) dalam Misahardi Wilamaerta, hlm. 37.
Ridwan Khairandy dan Camellia Malik, “Good Corporate Governance”,Perkembangan Pemikiran dan Implementasinya di Indonesia dalam Perspektif hukum Yogyakarta:PT. Total Media ,2007), hal. 73.
Wetria Fauzi (2021). Challenges of the board of commissioners in strengthening good corporate governance in state-owned insurance companies in Indonesia, International Journal of Entrepreneurship, Volume 25, Issue 6.
https://www.cnbcindonesia.com/market/20220121111757-17-309322/bikin-kaget-ternyata-ini-akar-masalah-asuransi-unit-link diakses 31 Juli Jam 12.47
https://www.cnbcindonesia.com/market/20220121111757-17-309322/bikin-kaget-ternyata-ini-akar-masalah-asuransi-unit-link diakses 31 Juli 2022 jam 13.04
https://www.car.co.id/id/ruang-publik/tips-trik/careinsurance/6-prinsip-asuransi-yang-perlu-kita-ketahuidiakses 1 Agustus 2022, Jam 12.3
https://bisnisindonesia.id/article/aduan-unitlinked-ramai-tanggung-jawab-siapa diakses 1 Agustus 2022 Jam 14.56
Direktur Pengawasan Asuransi Otoritas Jasa Keuangan (OJK) Supriyono https://www.cnbcindonesia.com/investment/20220125203912-21-310432/ini-langkah-ojk-tertibkan-agen-unit-link-yang-bermasalah diakses 1 Agustus 2022 Jam 15.11
Arsendi, Pengawas Asuransi dan BPJS Kesehatan Otoritas Jasa Keuangan, 28 September 2016, 14.07 WIB.
Direktur Eksekutif Asosiasi asuransi Umum Indonesia (AAUI) Julian Noor http://www.hukumonline.com/berita/baca/lt51f22c40885de/ojk-luncurkan-konsep-peengawasan-berbasis risiko diakses 30/8/2016 Jam 14. 15. WIB.