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"Adanya permasalahan terkait mutasi pembayaran premi BPJS Kesehatan oleh PT Freeport Indonesia kepada para karyawannya, menyebabkan terjadinya penonaktifan sepihak terhadap polis asuransi BPJS Kesehatan di mana seharusnya karyawan tersebut bisa mendapat manfaat atas polis asuransinya dan karena adanya kasus penonaktifan tersebut para karyawan PT Freeport Indonesia tidak dapat mengklaim polisnya, sehingga tidak bisa mendapat pelayanan kesehatan bahkan hingga kehilangan nyawa. Skripsi ini membahas mengenai bentuk perlindungan hukum terhadap tertanggung BPJS Kesehatan yang polis asuransinya dinonaktifkan secara sepihak oleh pihak BPJS Kesehatan. Metode penelitian yang digunakan adalah penelitian yang berbentuk yuridis-normatif dengan menganalisis peraturan perundang-undangan. Hasil dari penelitian ini menjabarkan terkait dengan perlindungan hukum terhadap pemegang polis BPJS Kesehatan yang polis asuransinya dinonaktifkan secara sepihak ditinjau dari sudut pandang UU Ketenagakerjaan, UU Sistem Jaminan Sosial Nasional, UU Badan Penyelenggara Jaminan Sosial, dan Peraturan Otoritas Jasa Keuangan di mana hasil dari tinjauan tersebut BPJS Kesehatan terbukti melakukan Perbuatan Melawan Hukum dikarenakan mutasi pembayaran premi yang tidak sesuai dengan UU Ketenagakerjaan, serta penonaktifan polis secara sepihak yang tidak sesuai dengan ketentuan pada UU SJSN, UU BPJS, dan POJK Perlindungan Konsumen. PMH yang dilakukan oleh BPJS Kesehatan dapat dijadikan dasar utama tertanggung/peserta BPJS Kesehatan mencari keadilan atas dasar kerugian yang diterima dengan cara Alternatif Penyelesaian Sengketa (APS) ataupun upaya litigasi di mana pihak BPJS Kesehatan harus bertanggungjawab dengan cara membuat unit pelayanan pengaduan serta ikut melakukan mediasi pada saat dilakukannya non-litigasi, dan/atau harus bertanggungjawab sesuai dengan apa yang diputus oleh pengadilan apabila sengketa diselesaikan melalui upaya litigasi.

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The existence of problems related to the mutation of BPJS Kesehatan premium payments by PT Freeport Indonesia to its employees, causing unilateral deactivation of the BPJS Kesehatan insurance policy where the employee should be able to benefit from the insurance policy and because of the deactivation case the employees of PT Freeport Indonesia cannot claim the policy, so they cannot get health services and even lose their lives. This thesis discusses the form of legal protection for the insured BPJS Kesehatan whose insurance policy is unilaterally deactivated by the BPJS Kesehatan. The research method used is juridical-normative research by analyzing laws and regulations. The results of this study describe the legal protection of BPJS Kesehatan policyholders whose insurance policies are unilaterally deactivated from the perspective of the Labor Law, the National Social Security System Law, the Social Security Organizing Agency Law, and the Financial Services Authority Regulation where the results of the review are that BPJS Kesehatan is proven to have committed Unlawful Acts due to premium payment mutations that are not in accordance with the Labor Law, as well as unilateral policy deactivation that is not in accordance with the provisions in the Social Security Law, the BPJS Law, and the POJK Consumer Protection. Unlawful Acts committed by BPJS Kesehatan can be used as the main basis for the insured/BPJS Kesehatan participants to seek justice on the basis of the losses received by means of Alternative Dispute Resolution or litigation efforts where BPJS Kesehatan must be responsible by creating a complaint service unit and participating in mediation when non-litigation is carried out, and/or must be responsible in accordance with what is decided by the court if the dispute is resolved through litigation efforts."

"Tesis ini membahas tentang perlindungan hukum bagi pemegang polis asuransi tunjangan dan jaminan hari tua oleh perusahaan asuransi yang gagal bayar serta bentuk tanggung jawab jiwasraya kepada para pemegang polis akibat gagal nya jiwasraya memenuhi kewajiban nya dalam polis. Tesis ini menggunakan metode penelitian yuridis normatif dengan menggunakan bahan penelitian berupa bahan kepustakaan dan peraturan perundang-undangan yang terkait. Pada penelitian ini ditemukan bahwa belum ada pengaturan maupun mekanisme khusus terkait perlindungan dan jaminan yang diberikan kepada para pemegang polis ketika perusahaan penanggung mengalami kegagalan bayar. Jiwasraya sebagai penanggung bersama dengan telah memberikan perlindungan hukum represif berupa melakukan restrukturisasi polis dengan mengalihkan polis kepada perusahaan asuransi lainnya sebagai upaya penyelamatan manfaat polis. Perlu ada pengaturan khusus terkait adanya lembaga penjamin polis demi memberikan kepastian dan perlindugan bagi para pemegang polis.

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This thesis discusses legal protection for insurance Policy Holders, Allowance and Old Days Guarantee by insurance companies that fail to pay and Jiwasraya’s form of responsibility to policyholders due to Jiwasraya’s failure to fulfill his obligations. This thesis uses normative juridical research methods that use research materials in the form of literature and related laws and regulations. In this research, there are no specific laws and regulations which giving protection for policy holders when insurance companies fail to pay his obligations. Jiwasraya as an insurer with government has giving repressive legal protection with policy restructurisations to save the benefits of the police. There is a need for special regulations about policy guarantee institution to provide legal certainty and also protection for policy holders."

"Polis adalah akta perjanjian dalam asuransi, polis dalam kegiatan asuransi merupakan salah satu bentuk dari klausula baku, yakni suatu ketentuan yang telah dipersiapkan dan ditetapkan terlebih dahulu secara sepihak oleh pelaku usaha yang dituangkan dalam suatu dokumen perjanjian yang mengikat dan wajib dipenuhi oleh konsumen. Hal ini telah menimbulkan banyak ketidakpuasan terhadap pihak tertanggung, dimana selama ini tertanggung selalu berada di pihak yang lemah. Fakta menunjukkan bahwa tidak sedikit sengketa mengenai asuransi yang telah diajukan, seperti pihak penanggung membatalkan polis ditengah-tengah masa periode yang masih berlangsung. Membahas mengenai masalah pembatalan terhadap polis, di dalam praktek kegiatan asuransi memang biasanya selalu diusahakan jangan sampai pembatalan polis itu dilakukan berdasarkan pasal 1266 KUHPerdata.Dalam skripsi ini dapat dilihat bagaimana Penulis mencoba meneliti kembali hukum perikatan secara teoritis khususnya yang berkaitan dengan pangkal sengketa mengenai pembatalan polis dalam hukum yang dijadikan dasar serta alasan gugatan, serta Penulis mengharapkan agar nantinya perusahaan asuransi dapat memberikan perlindungan hukum sebagaimana mestinya terhadap pihak tertanggung. Penelitian yuridis normatif dilakukan melalui studi kepustakaan, dimana bahan penelitian berasal dari bahan bacaan yang dapat memberikan gambaran umum dan pengetahuan mengenai topik yang dibahas.

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In insurance, the insurance policy is a contract which generally considered as unilateral, which means that only the insurer makes legally enforceable clauses in the contract. Consequently, the insured, also known as the policyholder, often forced to be in a weaker position. It seems that some insurers tend to cancel their insurance policy in between the running period unilaterally, leading them to be sued before the court. In any insurance policy annulment, there were found some pattern that the annulment itself tend to be done without basing the conduct to Article 1266 of Indonesian Civil Code.

This thesis shows the application of theory of the law of contracts to any insurance policy annulment case. Furthermore, it is expected that insurance companies are willing to give legal protection for the insurers in case of any annulment of insurance policies more properly. A juridicalnormative research is done through literature study methods, where research materials sourced from reading materials which gave adequate general description and knowledge regarding the current topic."

"Asuransi Jiwa Bersama (AJB) Bumiputera 1912 adalah satu-satunya perusahaan asuransi berbentuk mutual di Indonesia. AJB Bumiputera 1912 beberapa kali mengalami permasalahan keuangan sejak Krisis Hindia Belanda pada tahun 1922 hingga saat ini. Masalah yang dialami salah satunya tidak dapat membayar klaim kepada pemegang polis, serta kurangnya pemahaman pemegang polis terhadap perjanjian atau polis yang telah disetujui. Maka perlu adanya perlindungan hukum bagi pemegang polis untuk menjamin sebagai pihak yang telah mengalihkan risiko kepada AJB Bumiputera 1912. Berdasarkan hal tersebut terdapat dua pokok permasalahan, yaitu: 1. Bagaimana akibat hukum dari bentuk usaha bersama (mutual) perusahaan asuransi AJB Bumiputera 1912 terhadap hak dan kewajiban pemegang polis?; 2. Bagaimana perlindungan hukum terhadap para pemegang polis AJB Bumiputera 1912 yang sedang mengalami likuiditas?. Penelitian ini menghasilkan bahwa, Pengaturan terkait Usaha Bersama tidak terdapat sinkronisasi kedudukan hukum pemegang polis antara UU OJK dengan UU Perasuransian dan PP Usaha Bersama, yang menyebabkan tidak adanya kepastian mengenai perlindungan hukum pemegang polis. Selain itu diperlukannya pengaturan berbentuk undang-undang untuk menjamin kepastian hukum pemegang polis sesuai yang telah diputuskan dalam Putusan MK Nomor 32/PUU-XVIII/2020. Pengaturan dalam bentuk undang-undang ini nantinya akan membantu penyehatan dan kelanjutan AJB Bumiputera 1912 dalam menjalankan kegiatannya.

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Mutual Life Insurance (AJB) Bumiputera 1912 is the only mutual insurance company in Indonesia. AJB Bumiputera 1912 has experienced financial problems several times since the Dutch East Indies Crisis in 1922 until now. One of the problems experienced is not being able to pay claims to policyholders, as well as a lack of understanding of policyholders regarding the agreement or policy that has been approved. There is a need for legal protection for policy holders to guarantee as a party that has transferred risk to AJB Bumiputera 1912. Based on this, there are two main problems, namely: 1. What are the legal consequences of the form of a joint venture (mutual) insurance company AJB Bumiputera 1912 on rights and obligations of the policyholder?; 2. How is the legal protection for AJB Bumiputera 1912 policyholders who are experiencing liquidity? This research results that, the Regulations related to Joint Ventures do not synchronize the legal position of policyholders between the OJK Law and the Insurance Law and Joint Venture Government Regulations, which causes the lack of certainty regarding the legal protection of policyholders. In addition, there is a need for regulations in the form of laws to ensure legal certainty for policyholders in accordance with what has been decided in the Constitutional Court Decision Number 32/PUU-XVIII/2020. The regulation in the form of this law will later assist the restoration and continuation of AJB Bumiputera 1912 in carrying out its activities."

"Maraknya masalah terkait dengan gagal bayar dalam industri asuransi menjadi hal yang patut untuk diperhatikan, terutama terkait dengan transaksi produk asuransi yang menjanjikan proteksi terhadap jiwa dan mendapat manfaat investasi, yakni Produk Asuransi Yang Dikaitkan Dengan Investasi (PAYDI). Skripsi ini membahas tentang bentuk perlindungan hukum terhadap perusahaan asuransi gagal bayar PT Asuransi Jiwa Kresna serta akibat dari gagal bayar yang terjadi. Metode penelitian yang digunakan adalah penelitian berbentuk yuridis-normatif dengan menganalisis peraturan perundang-undangan. Hasil dari penelitian mengemukakan bahwa peraturan terkait perlindungan hukum terhadap pemegang polis asuransi gagal bayar PT Asuransi Jiwa Kresna dapat ditinjau dari sudut pandang Kitab Undang-Undang Hukum Perdata, Kitab Undang-Undang Hukum Dagang, UU Perasuransian, dan Peraturan Otoritas Jasa Keuangan, sedangkan akibat hukumnya adalah nasabah berhak menyelesaikan sengketa baik didalam maupun diluar pengadilan, mengajukan permohonan pailit kepada OJK untuk selanjutnya dimohonkan kepada Pengadilan Niaga yang berwenang, dan meminta pelaksanaan sanksi administratif terhadap perusahaan oleh Otoritas Jasa Keuangan.

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The rise of problems related to default in the insurance industry is something that requires attention, especially in transactions related to insurance products that offer life protection and investment benefits, for instance Investment-Linked Insurance Products (PAYDI). This thesis discusses the form of legal protection for policyholders of insurance company in default, namely what occured in PT Asuransi Jiwa Kresna, and the consequences of the defaults that occur. The research method used is a juridical-normative research by analyzing the laws and regulations. The results of the study show that regulations related to legal protection for  for policyholders of insurance company in default PT Asuransi Jiwa Kresna can be viewed from the point of view of the Civil Code, Commercial Law, Insurance Law, and Otoritas Jasa Keuangan Regulations, while the legal consequences is the policyholders has the right to settle disputes both inside and outside the court, submit a bankruptcy application to the OJK for further application to the competent Commercial Court, and request the implementation of administrative sanctions against the company by the OJK. "

"Perusahaan asuransi merupakan Lembaga Jasa Keuangan Non Bank yang memiliki dampak yang cukup besar bagi perekonomian negara. Disamping itu, perusahaan asuransi juga merupakan lembaga penghimpun dana dari masyarakat pemegang polis melalui pengalihan resiko yang dibuat dalam suatu kontrak, yang disebut dengan polis. Pemegang polis sebagai pihak yang memiliki kedudukan penting, perlu diberikan perlindungan secara hukum dalam hal perusahaan asuransi dimohonkan pailit oleh Badan Pengawas Perasuransian. Berdasarkan hal tersebut, Penulis mengajukan pokok permasalahan yaitu: 1.Bagaimanakah undang-undang perasuransian memberikan perlindungan hukum terhadap pemegang polis dari perusahaan asuransi yang dimohonkan pailit? 2. Apakah pertimbangan hukum dari hakim yang menjadi dasar putusan pailit PT Bumi Asih Jaya sudah sesuai dengan hukum asuransi? Bentuk penelitian ini bersifat yuridis normatif dengan tipologi penelitian deskriptif. Pada akhirnya, Peneliti memperoleh kesimpulan bahwa undang-undang perasuransian memberikan perlindungan terhadap pemegang polis berupa hak utama atas pembayaran piutang dan putusan Majelis Hakim di tingkat pertama belum sesuai dengan hukum asuransi sedangkan putusan Mahkamah Agung telah sesuai dengan hukum asuransi. Penulis menyarankan agar segera dibentuk peraturan pelaksana Undang-Undang Nomor 40 Tahun 2014 dan Lembaga Penjaminan Polis.

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Insurance company is a Nonbank Financial Institution which has a considerable impact for the national economy. In addition, the insurance company is also a collecting funds institution from public policyholder through the risks coverage which is made in the contract, called the policy. Policyholder as a party that have a significant interest, need to be given a legal protection in terms of the insurance company petitioned for Bankruptcy by The Insurance Supervisory Agency. Hence, the author formulated and discussed the following problems 1.How the insurance regulation providing legal protection for policyholder of the insurance company which is petitioned for Bankruptcy 2. Are the legal considerations of the judicial panel in court award of PT Bumi Asih Jaya rsquo s case compatible with insurance law This research uses the normative juridical approach with a descriptive typology.

At the conclusion, insurance regulations provides legal protection for the policyholder a priority right and the legal considerations of judicial panel in the first chamber is irrelevant with the insurance law, furthermore in Supreme Court, the legal consideration of judicial panel is already relevant to the insurance law. The author suggests that the implementing regulation of Law No. 40 of 2014 and also The Guarantee Institution Policy need to be established immediately."

"[ABSTRAKAsuransi merupakan salah satu lembaga keuangan yang terus berkembang seiringdengan membaiknya perkembangan ekonomi di Indonesia. Dengan pesatnyaperkembangan perekonomian dan bisnis yang terjadi, kebutuhan masyarakat akanperlindungan terhadap resiko kerugian semakin meningkat. Namun asuransidalam kenyataannya seringkali tidak dipercaya oleh masyarakat karena praktikasuransi dianggap lebih merugikan daripada menguntungkan. Hal ini diakibatkankarena minimnya perlindungan hukum dalam melakukan perjanjian asuransi.Tulisan ini difokuskan kepada pengaturan aspek kebebasan berkontrak,kecermatan berkontrak serta urgensi pembuatan kontrak berbentuk akta otentikdalam pembuatan polis asuransi. Dalam Undang-Undang, perjanjian asuransisedikit banyak diatur dalam Kitab Undang-Undang Hukum Dagang sedangkanperaturan Undang-Undang dan peraturan pendukung lainnya hanya mengaturaspek asuransi dari segi tata usahanya saja. Penulisan ini menggunakan metodekepustakaan serta wawancara kepada pihak-pihak terkait. Jenis data yangdigunakan adalah data sekunder. Metode analisis yang digunakan adalah metodekualitatif guna mendapatkan data yang bersifat evaluatif analitis. Dasarpembuatan polis asuransi terdapat dalam Kitab Undang-Undang Hukum Dagangpasal 255. Otentifikasi Polis asuransi ditujukan untuk meminimalisir kerugianyang akan muncul dan sebagai bentuk kepastian hukum bagi para pihak.Otentifikasi polis asuransi diharapkan dapat memberikan kepastian lebih terhadapasas kebebasan berkontrak dan unsur kecermatan berkontrak yang merupakansalah satu aspek penting dalam melakukan perjanjian.

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ABSTRACTInsurance is a financial institution that continues to grow in line with theimproving economic development in Indonesia . With the rapid development ofeconomy and business that happens, public needs protection against the risk ofloss is increasing. But in reality, insurance is often not trusted by the publicbecause of insurance practices are considered more detrimental than beneficial.This is caused by the lack of legal protection in the conduct of insuranceagreement. This paper focuses on the aspect of freedom of contract arrangements,the precision of contract as well as the urgency of making the contract in the formof an authentic act of making an insurance policy. In reality, the insuranceagreement more or less regulated in the Law on Commercial Law Act regulationswhile and other supporting regulations only regulate the insurance aspects of theirbusiness in terms of grammar only. This study, using literature as well asinterviews to the relevant parties . The type of data used are secondary data andprimary data . The analytical method used is a qualitative method to obtainanalytical data that is evaluative . Manufacture of basic insurance policy containedin the Book of the Commercial Law Article 255 . Authentication insurance policyintended to minimize the losses that will arise and as a form of legal certainty forthe parties . Authentication insurance policy is expected to provide more certaintyto the principle of freedom of contract and precision element of contract , which isone important aspect in making agreements.;Insurance is a financial institution that continues to grow in line with theimproving economic development in Indonesia . With the rapid development ofeconomy and business that happens, public needs protection against the risk ofloss is increasing. But in reality, insurance is often not trusted by the publicbecause of insurance practices are considered more detrimental than beneficial.This is caused by the lack of legal protection in the conduct of insuranceagreement. This paper focuses on the aspect of freedom of contract arrangements,the precision of contract as well as the urgency of making the contract in the formof an authentic act of making an insurance policy. In reality, the insuranceagreement more or less regulated in the Law on Commercial Law Act regulationswhile and other supporting regulations only regulate the insurance aspects of theirbusiness in terms of grammar only. This study, using literature as well asinterviews to the relevant parties . The type of data used are secondary data andprimary data . The analytical method used is a qualitative method to obtainanalytical data that is evaluative . Manufacture of basic insurance policy containedin the Book of the Commercial Law Article 255 . Authentication insurance policyintended to minimize the losses that will arise and as a form of legal certainty forthe parties . Authentication insurance policy is expected to provide more certaintyto the principle of freedom of contract and precision element of contract , which isone important aspect in making agreements.;Insurance is a financial institution that continues to grow in line with theimproving economic development in Indonesia . With the rapid development ofeconomy and business that happens, public needs protection against the risk ofloss is increasing. But in reality, insurance is often not trusted by the publicbecause of insurance practices are considered more detrimental than beneficial.This is caused by the lack of legal protection in the conduct of insuranceagreement. This paper focuses on the aspect of freedom of contract arrangements,the precision of contract as well as the urgency of making the contract in the formof an authentic act of making an insurance policy. In reality, the insuranceagreement more or less regulated in the Law on Commercial Law Act regulationswhile and other supporting regulations only regulate the insurance aspects of theirbusiness in terms of grammar only. This study, using literature as well asinterviews to the relevant parties . The type of data used are secondary data andprimary data . The analytical method used is a qualitative method to obtainanalytical data that is evaluative . Manufacture of basic insurance policy containedin the Book of the Commercial Law Article 255 . Authentication insurance policyintended to minimize the losses that will arise and as a form of legal certainty forthe parties . Authentication insurance policy is expected to provide more certaintyto the principle of freedom of contract and precision element of contract , which isone important aspect in making agreements., Insurance is a financial institution that continues to grow in line with theimproving economic development in Indonesia . With the rapid development ofeconomy and business that happens, public needs protection against the risk ofloss is increasing. But in reality, insurance is often not trusted by the publicbecause of insurance practices are considered more detrimental than beneficial.This is caused by the lack of legal protection in the conduct of insuranceagreement. This paper focuses on the aspect of freedom of contract arrangements,the precision of contract as well as the urgency of making the contract in the formof an authentic act of making an insurance policy. In reality, the insuranceagreement more or less regulated in the Law on Commercial Law Act regulationswhile and other supporting regulations only regulate the insurance aspects of theirbusiness in terms of grammar only. This study, using literature as well asinterviews to the relevant parties . The type of data used are secondary data andprimary data . The analytical method used is a qualitative method to obtainanalytical data that is evaluative . Manufacture of basic insurance policy containedin the Book of the Commercial Law Article 255 . Authentication insurance policyintended to minimize the losses that will arise and as a form of legal certainty forthe parties . Authentication insurance policy is expected to provide more certaintyto the principle of freedom of contract and precision element of contract , which isone important aspect in making agreements.]"

"Tesis ini membahas mengenai Lembaga Penjaminan Polis Asuransi sebagai perlindungan hukum atas pemegang polis dalam kondisi gagal bayar perusahaan asuransi (mengacu pada Best Practice di Jepang Dan Inggris). Penelitian ini menggunakan metode yuridis-normatif dimana data penelitian sebagian besar berasal dari studi kepustakaan. Hasil penelitian ini adalah 1) Lembaga Penjaminan polis Asuransi Jiwa di Jepang dan di Inggris dapat memberikan perlindungan hukum atas hak pemegang polis dalam kondisi gagal bayar perusahaan asuransi melalui lembaga masing-masing LIPPCJ dan FSCS. 2) Urgensi pembentukan Lembaga Penjaminan Polis Asuransi untuk memberikan kepastian hukum bilamana terjadi kondisi gagal bayar Perusahaan Asuransi. 3) Pembentukan Lembaga Penjaminan Polis di Indonesia sangat bermanfaat untuk melindungi Pemegang Polis dan akan meningkatkan kepercayaan masyarakat terhadap industri perasuransian. Penulis memberikan saran Lembaga Penjaminan Polis di Indonesia sebagai Lembaga Independen yang mempunyai mekanisme kelembagaan tersendiri dan mengikutsertakan produk asuransi yang memiliki risiko gagal bayar paling utama yaitu Asuransi Umum dan Asuransi Jiwa.

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This thesis discusses the Insurance Policy Guarantee Corporation as legal protection for policyholders in state of Insurance Company Default (referring to Best Practice in Japan and UK). This research uses the juridical-normative method, where the research data mostly comes from literature studies. The results of this study are 1) Life Insurance Policy Guarantee Corporations in Japan and the UK can provide legal protection for the rights of policyholders in the state of insurance company default through their respective institutions, LIPPCJ and FSCS. 2) The urgency of establishing an Insurance Policy Guarantee Corporation to provide legal certainty in state of Insurance Company Failure to pay. 3) The establishment of a Insurance Policy Guarantee Corporation in Indonesia is very beneficial to protect policyholders. It will increase public confidence in the insurance industry. The author suggests that the Policy Guarantee Corporation in Indonesia is possible as an independent institution which has independent institutional mechanism and includes all insurance products that have main risk of default namely General Insurance and Life Insurance.

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"ABSTRAKTwisting merupakan tindakan terlarang yang di lakukan oleh agen asuransi jiwa dalam hal membujuk pemegang polis untuk memindahkan suatu polis dari satu perusahaan asuransi ke suatu perusahaan asuransi lainnya. Yang mana tindakan Twisting yang di lakukan agen asuransi tersebut merugikan bagi perusahaan asuransi dan juga pemegang polis asuransi. Dalam hal ini perlindungan yang ada yang di tujukan untuk melindungi pemegang polis dari praktek twisting yang di lakukan oleh agen asuransi bertumpu pada pengawasan yang ada di internal perusahaan asuransi dan juga pengawasan eksternal dari organisasi profesi dan pemerintah.

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ABSTRACTTwisting the prohibited acts done by life insurance agents in terms of persuading policyholders to move a policy from one insurance company to an insurance company to another. Which acts of Twisting undertaken is detrimental to the insurance companies and policy holders . In this case the existing protection that aimed to protecting policyholders from twisting practices undertaken by insurance agents is rely on internal oversight in the insurance company and also external supervision from professional organizations and governments ."

"Setelah berdirinya Otoritas Jasa Keuangan (OJK), terdapat beberapa kasus gagal bayar perusahan asuransi yang menyebabkan pemegang polis mengalami kerugian, salah satunya yakni Kasus Asuransi Jiwa Bumiputera 1912 (AJB Bumiputera 1912). Permasalahan yang dianalisis dalam penelitian ini adalah: 1. Bagaimana perlindungan hukum pemegang polis oleh peraturan perundang-undangan dan OJK dalam kasus gagal bayar Asuransi Jiwa Bersama Bumiputera 1912?, dan 2. Bagaimana peran dan tanggung jawab OJK dalam upaya penyelesaian hak-hak pemegang polis dalam kasus gagal bayar Asuransi Jiwa Bersama Bumiputera 1912?. Dalam menganalisis permasalahan yang diteliti menggunakan metode penelitian yuridis normatif dengan data sekunder dan melakukan studi kepustakaan serta menggunakan pendekatan penelitian Perundang-Undangan dan pendekatan pendekatan kasus. Hasil dari penelitian ini adalah: 1. Perlindungan hukum pemegang polis yang diberikan oleh peraturan perundang-undangan secara umum terdapat di dalam UU No. 40 Tahun 2014 tentang Perasuransian, tetapi dalam kaitannya dengan kasus gagal bayar AJB Bumiputera 1912 terdapat permasalahan yakni tidak ada Undang-Undang khusus yang mengatur tentang perusahaan asuransi berbentuk Asuransi Bersama (Mutual Insurance) sesuai dengan amanat dalam Pasal 7 ayat (3) UU 2 Tahun 1992 tentang Usaha Perasuransian. Sedangkan perlindungan hukum oleh OJK dilakukan secara preventif sudah dilakukan dengan pemeriksaan, pengawasan dan rekomendasi untuk melaksanakan serangkaian ketentuan dan persyaratan dan pedoman yang ada dalam POJK No. 73 /Pojk.05/2016. 2. Peran dan tanggung jawab OJK dalam upaya penyelesaian hak-hak pemegang polis sudah dilakukan dengan menerapkan POJK Nomor 63 /POJK.05/2016. Tetapi peran dan tanggung jawab itu masih belum maksimal sehingga sampai saat ini kasus AJB Bumiputera 1912 ini belum terselesaikan.

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After the establishment of Otoritas Jasa Keuangan (OJK), there were several cases of insurance company that caused policy holders to suffer losses, one of the cases that occurred was the case of Asuransi Jiwa Bersama Bumiputera 1912 (AJB Bumiputera 1912). The problems analyzed in this research are: 1. How is the legal protection of policyholders by laws and regulations and OJK in the case of failure to pay of the AJB Bumiputera 1912?, and 2. What are the roles and responsibilities of OJK in efforts to settle the rights of policy holders in the case of failure to pay of AJB Bumiputera 1912?. The results of this study are: 1. Legal protection for policyholders provided by legislation is generally contained in UU Nomor 40 Tahun 2014 tentang Perasuransian, but in relation to the AJB Bumiputera 1912 default case there is a problem, namely that there is no special law that regulates insurance companies in the form of Mutual Insurance in accordance with the mandate in Article 7 paragraph (3) of UU Nomor 2 Tahun 1992 tentang Usaha Perasuransian. While legal protection by OJK is carried out in a preventive manner, it has been carried out with inspection, guidelines contained in POJK No. 73 /Pojk.05/2016. 2. The roles and responsibilities of OJK in efforts to settle the rights of policyholders have been carried out by implementing POJK Number 63 / POJK.05/2016. But the roles and responsibilities are still not maximized so until now the case of AJB Bumiputera 1912 has not been resolve."