PELAKSANAAN PERLINDUNGAN HUKUM TERHADAP AHLI WARIS DALAM PENYELESAIAN KLAIM PADA PERUSAHAAN ASURANSI JIWA PT. SUN LIFE FINANCIAL INDONESIA DI PEKANBARU

Abstract

Implementation of submitting life insurance claims by heirs to PT. Sun Life Financial
Indonesia in Pekanbaru often happens when the insured submits a claim to the insurance
company and it is not always accepted because there are things that cause the application to
be rejected, namely related to the results of investigations that are less transparent in
providing reasons and grounds for rejection, therefore the aim of the research Firstly, to find
out the implementation of legal protection for heirs regarding heir rights at the life insurance
company PT Sun Life Financial Indonesia in Pekanbaru. Second, to find out the legal efforts
of heirs regarding heir rights at the life insurance company PT Sun Life Financial Indonesia
in Pekanbaru.
The research method in this thesis uses a type of sociological legal research, namely
research on the effectiveness of law in society. The nature of this thesis research is
descriptive research that systematically describes the facts and characteristics of the object
being studied accurately. The data collection technique in this research is the interview
method and literature review, then after the data is collected it is then analyzed to draw
conclusions.
Based on research conducted, legal protection for heirs regarding heir rights at the life
insurance company PT Sun Life Financial Indonesia in Pekanbaru is not in accordance
violates Article 31 verses 3 and 4 law Number 40 of 2014 concerning Insurance because in
principle the company should provide protection and comfort to customers and be open in
providing information regarding rejection of life insurance claims. The legal action taken by
the heirs regarding their rights to the life insurance company PT Sun Life Financial
Indonesia in Pekanbaru is difficult to take because the rejection of the life insurance claim is
final and from the inaccurate results of the investigation the company is freed from its
obligation to provide compensation and does not accept criticism from heirs because the
results of the investigation cannot be contested. Meanwhile, if you take the non-litigation
route or mediation outside the court, it still cannot be done because PT. Sun Life Financial
Indonesia in Pekanbaru has not registered its company with the membership of an official
independent institution under the OJK (Financial Services Authority), in this case the
company certainly violates Article 54 of the 2014 Insurance Law which requires insurance
companies to become independent and impartial institutions.