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Abstrak :
ABSTRAK
ABSTRAK
Marketing insurance products through telemarketing media is a form of insurance product offerings made through telemarketers 39 telephony media to prospective customers. This is done in line with the growth of the insurance industry in Indonesia where the implementation is considered easier, efficient, and can reach more markets. Usually this type of marketing is done by the cooperation bancassurance between insurance companies and banks. However, the marketing of insurance products through telemarketing has several disadvantages such as discrepancy between telemarketers and prospective customers and differences of opinion regarding the validity of the agreement. The research is normative juridical which aims to conduct a juridical review on insurance product marketing through telemarketing media through case study at PT BL Insurance Company. If reviewed from the terms of the validity of the agreement under Article 1320 of the Civil Code, the insurance agreement through telemarketing is a legal agreement because the insurance agreement is a reciprocal agreement that is consensual. In addition, telemarketing activity is one form of bancassurance marketing cooperation based on Circular Letter of Financial Services Authority Number 33 SEOJK.03 2016 concerning Implementation of Risk Management at Banks Conducting Marketing Cooperation Activities with Insurance Company Bancassurance .

Abstrak :
Skripsi ini membahas tentang penyebab dari penurunan total polis, penurunan jumlah peserta, penurunan pendapatan premi, dan target premi produk asuransi kumpulan ldquo;Jasindo Health Care rdquo; yang tidak terealisasi di tahun 2016, serta alternatif strategi penyelesaiannya. Penelitian ini menggunakan metode kualitatif. Hasil penelitian menunjukkan bahwa penyebab dari masalah tersebut berasal dari faktor internal dan eksternal. Faktor internal, berupa kurangnya penggunaan teknologi yang terbarukan, saluran distribusi penjualan yang kurang efektif, dan promosi yang kurang maksimal. Faktor eksternal, berupa kekuatan yang dimiliki pesaing. Alterrnatif strategi yang disarankan yaitu menambah jumlah tenaga penjualan, menambah belanja iklan, menambah pilihan manfaat berupa pengobatan ke luar negeri dan layanan home care, penggunaan klaim reimbursement berbasis mobile application, menambah fasilitas live chat di website Jasindo, serta menyediakan layanan konsultasi dokter secara online. ......This research explained about causes of policy total degradation, degradation of number of participants, degradation of premium income, and unrealized target of group insurance premium product ldquo Jasindo Health Care rdquo in 2016, and alternative settlement strategies. This research used qualitative method. The results showed that the causes are the internal and external factor. Internal factor such as lack of use of renewable technology, less effective sales distribution channels, and less than optimal promotion. External factor, is in the form of strength owned by competitors. The suggested alternative strategies are increase the number of salespeople, increase advertising expenditure, provide the additional benefits of overseas treatment and home care services, use feature of mobile application for reimbursing claims, adding live chat facilities to Jasindo rsquo s website, and provide the online doctor consultation services.

Abstrak :
Produk Asuransi Yang Dikaitkan Dengan Investasi (PAYDI) merupakan suatu jenis produk asuransi yang menggabungkan antara manfaat pertanggungan dengan manfaat investasi. Sejak mulai dipasarkan, PAYDI telah menimbulkan berbagai permasalahan. Di Indonesia sendiri, banyak terjadi kasus perusahaan asuransi yang mengalami gagal bayar akibat kegagalan investasi dalam PAYDI. Akibatnya, pemegang polis PAYDI seringkali berada dalam posisi yang rentan. Untuk itu, penting untuk melihat langkah-langkah apa saja yang telah dilakukan untuk mengatur penjualan PAYDI yang aman di Indonesia. Oleh sebab itu, skripsi ini akan meneliti sejauh mana regulasi yang berlaku di Indonesia telah mengatur mengenai kesehatan keuangan perusahaan asuransi yang menjual PAYDI. Selain itu, akan dilakukan juga perbandingan regulasi dengan negara lain khususnya India dan Korea Selatan yang mengatur mengenai hal serupa untuk dijadikan referensi bagi regulasi di Indonesia. Pada skripsi ini, metode penelitian yang digunakan adalah yuridis normatif dimana penulis akan melakukan penelitian berdasarkan bahan pustaka. Setelah melakukan penelitian, penulis memperoleh kesimpulan bahwa masih terdapat sejumlah kekosongan hukum dan ketentuan yang longgar dalam regulasi di Indonesia mengenai kesehatan keuangan perusahaan asuransi yang menjual PAYDI. Maka, Indonesia perlu untuk merevisi peraturan perundang-undangan yang berlaku saat ini guna mencegah terjadinya kasus gagal bayar polis PAYDI dan menjamin hak-hak pemegang polis. ......Investment Linked Product (PAYDI) is a type of insurance product that combines insurance benefits with investment benefits. Since it began to be marketed, PAYDI has caused various problems. In Indonesia alone, there are many cases of insurance companies experiencing defaults due to investment failures in PAYDI. As a result, PAYDI policyholders are often put in a vulnerable position. For this reason, it is important to see what steps have been taken to regulate the safe trading activity of PAYDI in Indonesia. Therefore, this thesis will examine the extent to which the applicable regulations in Indonesia have regulated the financial health of insurance companies that sell PAYDI. In addition, it will also compare regulations with other countries, especially India and South Korea, which regulate similar matters to serve as a reference for regulations in Indonesia. In this thesis, the research method used is normative juridical where the author will conduct research based on library materials. After conducting the research, the author concludes that there are still several legal gaps and loose provisions in Indonesian regulations regarding the financial health of insurance companies that sell PAYDI. Therefore, Indonesia needs to revise the current laws and regulations to prevent the occurrence of PAYDI policy defaults and guarantee the rights of policyholders.