Perlindungan Hukum Terhadap Pemegang Polis Asuransi Jiwa Bersama Bumi Putera
Keywords:
Legal Protection, Policy Holder, Life InsuranceAbstract
Asuransi Jiwa Bersama Bumiputera 1912 is the oldest insurance company in Indonesia, operating as a mutual enterprise in which policyholders are not only insured parties but also members with a direct interest in the company’s governance. In practice, various legal issues have emerged, particularly related to the failure to pay insurance claims. This study aims to examine the legal certainty for policyholders within a mutual insurance company based on Financial Services Authority Regulation (POJK) Number 7 of 2023, and to assess the effectiveness of legal protection in the event of claim default by AJB Bumiputera 1912. This research adopts a normative juridical approach with descriptive-analytical specifications, utilizing literature studies of primary and secondary legal materials, supported by relevant data. The findings indicate that although POJK Number 7 of 2023 provides a legal framework for the governance of mutual enterprises, it has not fully guaranteed legal certainty for policyholders—especially regarding information transparency and their role as members. Furthermore, legal protection for policyholders in the event of claim default has not been effectively implemented, despite the presence of preventive regulatory provisions.
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