KnE Social Sciences

Published date: Oct 31 2025

Journal Title: KnE Social Sciences

Issue title: The 8th Legal International Conference and Studies (LICS 2025): Corporate Responsibility and Environmental Law Through Economic & Business Management Practices

Pages: 163 - 177

DOI: 10.18502/kss.v10i27.20059

Aryani Witasariaryani@unissula.ac.idFaculty of Law, Universitas Islam Sultan Agung (UNISSULA), Semarang

Sri KusriyahFaculty of Law, Universitas Islam Sultan Agung (UNISSULA), Semarang

Insurance can occur because of an agreement between the insurance company and the customer through an agent. The customer is a weak party, so in the insurance agreement a customer needs to be protected. The purpose of this study is to determine and analyze the form of protection for customers who fail to pay and the factors that cause insurance companies to fail to pay insurance claims. The approach used is the normative legal method supported by field data, namely using secondary data supported by primary data and analyzing them qualitatively descriptively. The results of the study showed that customers need to be protected based on the theory of legal protection. Because they are in a weak position, the customers easily trust insurance companies to provide them protection against the risks faced. The factors that make insurance companies fail to pay insurance claims can be not implementing the claim according to the provisions of the Insurance Law, the company’s financial condition not being healthy, and the implementation of risk management in the company being not optimal.

Keywords: customers, insurance, legal, protection

[1] Fries Melia Salviana, Krisnadi Nasution, Evi Kongres, PERLINDUNGAN HUKUM TERHADAP TERTANGGUNG DALAM ASURANSI JIWA UNIT-LINK, Jurnal Perspektif, Volume 28 Nomor 1, January; 2023.

[2] Rois H. Desertasi PDIH Sultan Agung Semarang, Judul: Rekontruksi Perjanjian Asuransi Kebakaran Dengan Menggunakan Polis Standar asuransi Kebakaran Indonesia (PSAKI) Atas Obyek Bangunan Yang Dilekatkan Hak Tanggungan Berbasis Keadilan. Doctoral thesis, Universitas Islam Sultan Agung Semarang; 2022.

[3] Jurnal: Risalah Hukum Fakultas Hukum Unmul, December 2006, Vol. 2, No. 2, ISSN 021-969X

[4] Suhayati M. GAGAL BAYAR PERUSAHAAN ASURANSI DAN UPAYA PELINDUNGAN NASABAH ASURANSI, Jurnal Info Singkat, Vol. XV, No. 3/I/Puslit/February/2023

[5] Novi Puspitasari, Sejarah Dan Perkembangan Asuransi Islam Serta Perbedaannya Dengan Asuransi Konvensional, Jurnal Ekonomi, Akutansi, Dan Managemen, Vo. X No.1, 2011

[6] Perlindungan Hukum Bagi Pemegang Polis Asuransi Berdasarkan Undang-undang Perlindungan Konsumen, Jurnal Ikraith Humaniora Vol. 8, No. 1 March 2024

[7] Purwanto, Pembaruan Definisi Asuransi dalam Sistem Hukum di Indonesia

[8] Puspitasari, Sejarah Dan Perkembangan Asuransi Islam Serta Perbedaannya Dengan Asuransi Konvensional, Jurnal Ekonomi, Akutansi, Dan Managemen, Vo. X No.1, Tahun 2011

[9] Sanya Dinda Susanti, Mengembalikan kepercayaan publik terhadap industri asuransi, article from Kantor Berita antara, Senin, 28 August 2023

[10] Departemen Pendidikan dan Kebudayaan. Kamus Besar Bahasa Indonesia, Jakarta: Balai Pustaka; 1997.

[11] Prakoso D. Hukum Asuransi Indonesia, Jakarta: Rineka Cipta; 2004.

[12] Purwaningsih E. Hukum Bisnis. Bogor: Ghalia Indonesia; 2010.

[13] Pandia F. Lembaga Keuangan. Jakarta: Rineka Cipta; 2004.

[14] Kamus BB. edisi kedua, Jakarta: Balai Pustaka; 1991.

[15] Mukti Fajar ND & Yulianto Achmad. Dualisme Penelitian Hukum Normatif dan Hukum Empiris, Yogyakarta: Pustaka Pelajar; 2010.

[16] Panjaitan H (Marluga H, editor). Hukum Perlindungan Konsumen, cet.pertama. Penerbit Jala Permata Aksara; 2021.

[17] Ronny Hanitijo S. Metode Penelitian Hukum dan Jurimetri. Jakarta: Ghalia Indonesia; 1995.

[18] Sembiring S. Hukum Asuransi. Bandung: Nuansa Aulia; 2014.

[19] Hartono SR. Hukum Asuransi dan Perusahaan Asuransi. Jakarta: Sinar Grafika; 1992.

[20] Wirdyaningsih. Bank dan Asuransi Islam di Indonesia, Jakarta: Prenada Media; 2005.

[21] Asikin Z. Hukum Dagang. Jakarta: Radjagrafindo, Persada; 2013.

[22] The 1945 Constitution of the Republic of Indonesia

[23] Civil Code

[24] Commercial Law Book

[25] Compilation of Sharia Economic Law

[26] DSN Fatwa no.21/DSN-MUI/X/2001

[27] Law No. 2 of 1992 concerning Insurance Business

[28] Law No. 21 of 2011 concerning the Financial Services Authority

[29] Law no. 40 of 2014 concerning Insurance

[30] Regulation of the Minister of Trade Number 11/M-DAG/PER/3/2006 of 2006 concerning the Provisions and Procedures for Issuing Registration Certificates for Agents or Distributors of Goods and/or Services

[31] https://finansial.bisnis.com/read/20231229/215/1728049/aturan-baru-ojk-modaldisetor- perusahaan-asuransi-baru-minimal-rp1-triliun

[32] https://id.wikipedia.org/wiki/Notaris, accessed on 30 March 2022

[33] https://id.wikipedia.org/wiki/Reasuransi#:~:text=Jika%20perusahaan%20asuransi% 20berpendapat%20bahwa,perusahaan%20lain%20(perusahaan%20reasuransi)

[34] https://www.kompas.id/baca/ekonomi/2023/11/06/kepercayaan-masyarakat-jaditantangan- industri-perasuransian

[35] https://www.cnbcindonesia.com/market/20230912130026-17-471737/6-kasus-gagalbayar- ini-nodai-asuransi-ri-nilainya-fantastis

[36] https://www.cnbcindonesia.com/market/20230213015410-17-413126/kronologikasus- bumiputera-hingga-ojk-restui-penyelamatan

[37] https://glints.com/id/lowongan/agen-asuransi-adalah/#apa-itu-agen-asuransi