PELAKSANAAN PRINSIP UTMOST GOOD FAITH UNTUK PRODUK ASURANSI PROPERTY ALL RISK

Authors

  • R. Muh Deddy Hanif Sardjito Sekolah Tinggi Manajemen Asuransi Trisakti
  • Bayu Suganda Sekolah Tinggi Manajemen Asuransi Trisakti
  • Bagus Suhendar Sekolah Tinggi Manajemen Asuransi Trisakti
  • Rianita Natalia Sinaga Sekolah Tinggi Manajemen Asuransi Trisakti
  • Reimond Hasangapan Mikkael Napitupulu Sekolah Tinggi Manajemen Asuransi Trisakti

DOI:

https://doi.org/10.34127/jrlab.v13i3.1204

Keywords:

Property insurance, Principle of utmost good faith, Principles of Insurance

Abstract

This research aims to analyze the full application of the principle of good faith in Property All Risk (PAR) insurance products in Indonesia. This study explores how these principles are implemented by insurance companies and understood by policyholders, with a focus on potential challenges and misunderstandings that may arise. This research uses a qualitative approach using interviews and surveys of policyholders and insurance company representatives. Findings reveal that often there is a lack of clear communication from insurance companies regarding the terms and conditions of PAR policies. Many policyholders do not fully understand coverage and exclusions due to the complex legal language used in the policy. This lack of understanding can cause disputes during the claims process. This study is limited to the Indonesian insurance market and focuses on one type of insurance product only. This research suggests that insurance companies need to improve their communications strategies to ensure that policyholders fully understand the terms of their insurance policies. This can be done by simplifying the language used in the policy and providing a more comprehensive explanation during the policy issuance process.

References

Ashri Maunah, N., Sunargo, B., & Puspitaloka Mahadewi, E. (2023). Application Of The Utmost Good Faith Principle In Life Insurance Business Management In Indonesia. International Journal of Science, Technology & Management, 4(4). https://doi.org/10.46729/ijstm.v4i4.844

BIP, T. (2017). Kitab Undang-undang Hukum Dagang. Bhuana Ilmu Populer.

Chandra, Y., & Shang, L. (2019). Qualitative Research Using R: A Systematic Approach. In Qualitative Research Using R: a Systematic Approach. https://doi.org/10.1007/978-981-13-3170-1

Chumaida, Z. V. (2014). Iktikad Baik; Perjanjian Asuransi; Asuransi Jiwa. PT. REVKA PETRA MEDIA.

Creswell, J. (2013). Qualitative, quantitative, and mixed methods approaches. In Research design (4th ed.). Sage. http://scholar.google.com/scholar?hl=en&btnG=Search&q=intitle:Research+design+-+Qualitative,+Quantitative,+and+mixed+methods+approaches#0

Farrugia, A., & Grima, S. (2021). A model to determine the need to modernise the regulation of the principle of utmost good faith. Journal of Financial Regulation and Compliance, 29(4). https://doi.org/10.1108/JFRC-12-2020-0120

Fauzi, W. (2019). Hukum Asuransi di Indonesia. In Hukum Asuransi di Indonesia.

Guntara, D. (2016). ASURANSI DAN KETENTUAN-KETENTUAN HUKUM YANG MENGATURNYA. Justisi Jurnal Ilmu Hukum, 1(1). https://doi.org/10.36805/jjih.v1i1.79

Khalid, A. (2023). ANALISIS ITIKAD BAIK SEBAGAI ASAS HUKUM PERJANJIAN. Jurnal Legal Reasoning, 5(2). https://doi.org/10.35814/jlr.v5i2.4644

Klein, R. W. (2012). Principles for insurance regulation: An evaluation of current practices and potential reforms. Geneva Papers on Risk and Insurance: Issues and Practice, 37(1). https://doi.org/10.1057/gpp.2011.9

Millania Tri Rahmadhani, & Novina Sri Indiraharti. (2022). TINJAUAN YURIDIS MENGENAI PRINSIP ITIKAD BAIK DALAM PENOLAKAN KLAIM ASURANSI JIWA KREDIT. Reformasi Hukum Trisakti, 4(5). https://doi.org/10.25105/refor.v4i5.15087

Nugraha, S. (2023). PENERAPAN ASAS KEJUJURAN DALAM PERJANJIAN ASURANSI KEBAKARAN DI INDONESIA. Journal Evidence Of Law, 2(1). https://doi.org/10.59066/jel.v2i1.236

Rambe, S. H., & Sekarayu, P. (2022). Perlindungan Hukum Nasabah Atas Gagal Klaim Asuransi Akibat Ketidaktransparanan Informasi Polis Asuransi. JURNAL USM LAW REVIEW, 5(1). https://doi.org/10.26623/julr.v5i1.4073

Saputra, A., Listiyorini, D., & Muzayanah. (2021). Tanggungjawab Asuransi dalam Mekanisme Klaim pada Perjanjian Asuransi Berdasarkan Prinsip Utmost Good Faith. Jurnal Pendidikan Kewarganegaraan Undiksha, 9(1).

Suharsimi Arikunto. (2019). Prosedur Penelitian Suatu Pendekatan Praktek. In Paper Knowledge . Toward a Media History of Documents: Vol. Kelimabela. PT Rineka Cipta.

Syakir Syakir, B. S. (2023). The role of english in the insurance business: A needs analysis model. International Journal for Educational and Vocational Studies, 4(6).

Targett, D., Grimshaw, D. J., & Powell, P. (2013). IT in business: A business manager’s casebook. In IT in Business: A Business Manager’s Casebook. https://doi.org/10.4324/9780080496238

Downloads

Published

2024-09-18

Issue

Vol. 13 No. 3 (2024): JURNAL LENTERA BISNIS, SEPTEMBER 2024

Section

JURNAL LENTERA BISNIS

License

Copyright (c) 2024 Author

Creative Commons License

This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

Lisensi Creative Commons

Jurnal Lentera Bisnis disebarluaskan di bawah Lisensi Creative Commons Atribusi-BerbagiSerupa 4.0 Internasional.


Berdasarkan ciptaan pada https://plj.ac.id/ojs/index.php/jrlab