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Perlindungan Hukum atas Pemegang Polis yang tidak Memenuhi Kewajibannya dalam Pembayaran Premi (Studi Pada Asuransi Jiwa Bersama Bumiputera 1912 PT. Asuransi Takaful Keluarga di Kota Medan)
No full textThe Insurance institution in Indonesia in this time has expanded to go forward. Beside the conventional Insurance institution, have attended the life insurance institution area insurance which pursuant to principle of syari'at Islam that is PT. Asuransi Takaful Keluarga. Born it of is The Insurance institution of syari'ah because some of moslem society in Indonesia during the time doubt of pregnant conventional insurance system of three things which is prohibited in Islam teaching, that is: interest (riba), obscurity (gharar), gambling (maisir). Life insurance from the aspect of look into law face is to represent an agreement form between policy holder as the insured with party company insurance as underwriter, In insurance policy promised to regarding the parties rights and obligations. One of the especial obligation of company insurance as underwriter is to indemnity in the event of risk which harming the insured, while especial obligation of policy holder as the insured is to pay for premium. This matter by explicit have been mentioned in Article 1 item (1) Code Nmnber2 Year 1992 about Effort Insurance expressing that “Insurance is agreement between two parties or more, by which underwriter party bind itself to the insured, by accepting insurance premium, to give replacement to the insured because loss, expected advantage loss or damage or responsibility punish to third party which possibly will be suffered by the Insured, arising out from a dicey event, or to give a based payment to the dying or its life of someone which is underwritten”. In reality there are still happened policy holder as the insured at company of Asuransi Jiwa Bersama (AJB) Bumiputera 1912 and PT. Asuransi Takaful Keluarga in Medan town in payment of premium. Research for the writing of this thesis aim to know and explain becoming the reason of policy holder did not fulfill obligation it in payment of premium and its legal consequences also effort gone through to finishing it. This research has the character of analytical descriptive and comparative with approach of empirical yuridis. Research Sample for the writing of this thesis is executed by purposive sampling, while data collecting done with method of questioner and interview, then analyzed qualitative and is quantitative. Result of Research show, reason of policy holder did not fulfill obligation it in payment because decreasing him ability of financial, because agent of insurance did not come to take premium money and because not wish again continue agreement of life insurance. Legal consequences which is arranged in insurance policy if policy holder did not fulfill obligation it in payment of premium at AJB Bumiputera 1912 is: Imposition of interest of premium money which not yet been paid, Premium money will not earn to be asked or returned in whatever form and party of AJB Bumiputera 1912 freeing from obligation pay for decent money amount (insured). While at PT. Insurance of Takaful Family, its legal consequences is Policy expressed by cancellation if continuation premium not yet been paid to pass a grace period I month commencing from the date of payment due, Participant which is its insurance policy is expressed by cancellation and he wish to retire from agreement of its] life insurance, hence he earn to ask premium money he which have pay for, on condition that its policy is insurance with saving element, Participant of insurance with saving element passing away while its policy in a state of cancellation, hence its heir remain to get santuan of company in the form of cash value which is contained in its insurance policy and There no imposition of interest /penalty of premium money arrears. Strive the solving of which gone through either by AJB Bumiputera 1912 and also of PT. Asuransi Takaful Keluarga in principle much the same to, that is beforehand give exhortation verbally and also written into policy holder which did not pay for premium, do cure of lost by limitation policy or inactive policy by request of written from policy holder and fulfill conditions which have been specified by company of pertinent insurance. Suggested to policy holder to be always pay for timely premium according to agreement in policy to be protected from effect of able to harm policy holder alone and to society so that more accurate and taking a care before taking a insurance product and have to be adapted for by monetary ability and requirement. To party company of life insurance to always perform a training and education to officer of it’s operational to can market insurance product as according to requirement and ability of client candidate, conducting addiction of premium by continuing to policy holder address if have been promised previously, active always and have continuation to give clarification to all policy holder about benefit, meaning, the parties rights and obligations in agreement of life insurance. Suggested also the importance of is immediately formed a institute of is solving of dispute of extrajudicial insurance contract between company of insurance with policy holder and to government to publish special code/law arrange about content contract insurance.Usaha perasuransian di Indonesia saat ini telah berkembang pesat. Di samping usaha perasuransian konvensional, telah muncul usaha perasuransian dibidang asuransi jiwa yang berdasarkan prinsip syari'at Islam, yaitu PT. Asuransi Takaful Keluarga. Lahirnya usaha perasuransian syari'ah dikarenakan sebagian masyarakat muslim di Indonesia selama ini meragukan sistem asuransi konvensional yang mengandung tiga hal yang dilarang dalam ajaran Islam, yaitu : bunga (riba), ketidakjelasan (gharar) dan perjudian (maisir). Asuransi jiwa dari segi hukum adalah merupakan suatu bentuk peIjanjian antara pemegang polis sebagai tertanggung dengan pihak perusahaan asuransi sebagai penanggung. Dalam polis asuransi jiwa diperjanjikan mengenai hak dan kewajiban para pihak. Salah satu kewajiban utama perusahaan asuransi sebagai penanggung adalah mengganti kerugian apabila terjadi risiko yang merugikan tertanggung, sedangkan kewajiban utama pemegang polis sebagai tertanggung adalah membayar premi. Hal ini secara eksplisit telah disebutkan dalam Pasal 1 butir (1) Undang-undang Nomor 2 Tahun 1992 tentang Usaha Perasuransian yang menyatakan, “Asuransi atau pertanggungan adalah perjanjian antara dua pihak atau lebih, dengan mana pihak penanggung mengikatkan diri kepada tertanggung, dengan menerima premi asuransi, untuk memberikan penggantian kepada tertanggung karena kerugian, kerusakan atau kehilangan keuntungan yang diharapkan atau tanggung jawab hukum kepada pihak ketiga yang mungkin akan diderita tertanggung, yang timbul dari suatu peristiwa yang tidak pasti, atau untuk memberikan suatu pembayaran yang didasarkan atas meninggal atau hidupnya seseorang yang dipertanggungkan”. Dalam kenyataannya masih ada terjadi pemegang polis sebagai tertanggung pada perusahaan Asuransi Jiwa Bersama (AJB) Bumiputera 1912 dan PT. Asuransi Takaful Keluarga di kota Medan yang tidak memenuhi kewajibannya dalam pembayaran premi. Penelitian untuk penulisan tesis ini bertujuan untuk mengetahui dan menjelaskan yang menjadi alasan pemegang polis tidak memenuhi kewajibannya dalam pembayaran premi dan akibat hukumnya serta upaya yang ditempuh untuk menyelesaikannya. Penelitian ini bersifat deskriptifanalitis dan komparatif dengan pendekatan yuridis empiris. Sampel penelitian dilaksanakan secara purposive sampling, sedangkan pengumpulan data dilakukan dengan metode kuesioner dan wawancara, kernudian dianalisis secara kualitatif dan kuantitatif. Hasil penelitian menunjukkan, alasan pemegang polis tidak memenuhi kewajibannya dalam pembayaran adalah karena berkurangnya kemampuan finansial, karena agen/petugas asuransi tidak datang untuk mengambil uang premi dan karena tidak ingin lagi melanjutkan perjanjian asuransi jiwanya. Akibat hukum yang diatur dalam polis asuransi jiwa jika pemegang polis tidak memenuhi kewajibannya dalam pembayaran premi pada AJB Bumiputera 1912 adalah: Pengenaan bunga atas uang premi yang belum dibayarkan, Uang premi tidak akan dapat diminta atau dikembalikan dalam bentuk apapun dan Pihak AJB Bumiputera 1912 bebas dari kewajiban membayar uang santunan (uang pertanggungan). Sedangkan pada PT. Asuransi Takaful Keluarga, akibat hukumnya adalah polis dinyatakan batal apabila premi lanjutan belum dibayarkan melewati masa kelonggaran 1 (satu) bulan sejak tanggal jatuh tempo pembayaran, Peserta yang polis asuransi jiwanya dinyatakan batal dan ia ingin mengundurkan diri dari perjanjian asuransi jiwa, maka ia dapat meminta uang premi yang telah ia bayarkan, dengan syarat polisnya adalah asuransi dengan unsur tabungan, Peserta asuransi dengan unsur tabungan yang meninggal dunia sedangkan polisnya dalam keadaan batal, maka ahli warisnya tetap mendapat santunan dari perusahaan berupa nilai tunai yang tercantum dalam polis asuransi jiwanya dan tidak ada pengenaan denda bunga atas tunggakan uang premi. Upaya penyelesaian yang ditempuh baik oleh AJB Bumiputera 1912 maupun PT. Asuransi Takaful Keluarga pada prinsipnya hampir sama, yaitu terlebih dahulu memberikan teguran secara lisan maupun tertulis kepada pemegang polis yang tidak membayar premi, melakukan pemulihan polis kedaluarsa atau polis tidak aktif atas permintaan tertulis dari pemegang polis dan memenuhi syarat-syarat yang telah ditetapkan cleh perusahaan asuransi yang bersangkutan. Disarankan kepada pernegang polis agar selalu membayar premi tepat waktu sesuai perjanjian dalam polis agar terhindar dari akibat-akibat yang dapat merugikan pemegang polis sendiri dan kepada masyarakat untuk lebih berhati-hati dan teliti sebelum mengambil suatu produk asuransi yang harus disesuaikan dengan kebutuhan dan kemampuan keuangannya. Kepada pihak perusahaan asuransi jiwa agar menekankan kepada petugas operasionalnya untuk mampu memasarkan produk asuransi sesuai dengan kebutuhan dan kemampuan calon nasabah, melakukan pengutipan atau penagihan prerni secara berlanjut ke alamat pemegang polis jika telah diperjanjikan sebelumnya dan secara berkelanjutan mernberikan penjelasan kepada para pemegang polis tentang manfaat, hak dan kewajiban para pihak dalam perjanjian asuransi jiwa. Disarankan juga perlunya segera dibentuk suatu lembaga penyelesaian perselisihan kontrak asuransi diluar pengadilan antara perusahaan asuransi dengan pemegang polis dan kepada pemerintah untuk menerbitkan undang-undang yang khusus mengatur tentang isi kontrak asuransi.179 halamanTesis Magiste
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koamabayili/VECTRON-author-checklist: VECTRON author checklist
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Author-wise bibliometric analysis based on entropy.
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No full textIn Author Under Sail, Jay Williams offers the first complete literary biography of Jack London as a professional writer engaged in the labor of writing. It examines the authorial imagination in London's work, the use of imagination in both his fiction and nonfiction, and the ways he defined imagination in the creative process in his business dealings with his publishers, editors, and agents. In this first volume of a two-volume biography, Williams traverses the years 1893 to 1902, from London's "Story of a Typhoon" to The People of the Abyss. The Jack London who emerges in the pages of Author Under Sail is a writer whose partnership with publishers, most notably his productive alliance with George Brett of Macmillan, was one of the most formative in American literary history. London pioneered many author models during the heyday of realism and naturalism, blurring the boundaries of these popular genres by focusing on absorption and theatricality and the representation of the seen and unseen. London created an impassioned, sincere, and extremely personal realism unlike that of other American writers of the time. Author Under Sail is a literary tour de force that reveals the full range of London as writer, creative citizen, and entrepreneur at the same time it sheds light on the maverick side of machine-age literature.Intro -- Title Page -- Copyright Page -- Dedication -- Contents -- Acknowledgments -- Introduction -- 1. Spirit Truth -- 2. From Absorption to Theatricality and Back Again -- 3. "I Will Build a New Present" -- 4. Sons as Authors -- 5. Fathers as Publishers -- 6. The Daughter as Author -- 7. Lovers as Authors -- 8. At Sea with the Family -- 9. Yellow News, Yellow Stories -- 10. The Return Home -- Notes -- Bibliography -- Index -- About Jay WilliamsIn Author Under Sail, Jay Williams offers the first complete literary biography of Jack London as a professional writer engaged in the labor of writing. It examines the authorial imagination in London's work, the use of imagination in both his fiction and nonfiction, and the ways he defined imagination in the creative process in his business dealings with his publishers, editors, and agents. In this first volume of a two-volume biography, Williams traverses the years 1893 to 1902, from London's "Story of a Typhoon" to The People of the Abyss. The Jack London who emerges in the pages of Author Under Sail is a writer whose partnership with publishers, most notably his productive alliance with George Brett of Macmillan, was one of the most formative in American literary history. London pioneered many author models during the heyday of realism and naturalism, blurring the boundaries of these popular genres by focusing on absorption and theatricality and the representation of the seen and unseen. London created an impassioned, sincere, and extremely personal realism unlike that of other American writers of the time. Author Under Sail is a literary tour de force that reveals the full range of London as writer, creative citizen, and entrepreneur at the same time it sheds light on the maverick side of machine-age literature.Description based on publisher supplied metadata and other sources.Electronic reproduction. Ann Arbor, Michigan : ProQuest Ebook Central, YYYY. Available via World Wide Web. Access may be limited to ProQuest Ebook Central affiliated libraries
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