KEABSAHAN POLIS ASURANSI ATAS KLAUSULA BAKU PADA PERJANJIAN ASURANSI DI PT. AXA MANDIRI CABANG KOTA PEKANBARU

Abstract

Insurance is an agreement, with which an insurer ties himself to an insured by receiving a premium
to provide compensation for a loss, damage, or loss of expected benefits that he might suffer because of an
uncertain event. The required insurance agreement is written in a written form called the policy. Insurance
policies contain agreement clauses, both standard and non-standard. To find out about this issue, the
standard agreement is regulated in Law Number 8 of 1992 concerning Consumer Protection, while
insurance is regulated in Law Number 40 of 2014 concerning Insurance. This is to provide legal protection
for policyholders for their rights and for business actors to provide the obligations of business actors as
insurance companies with the applicable rules.
This type of research can be classified in the type of research that sosiological, because in this study
the authors directly conduct research at the location or place of study in order to provide a complete and
clear picture of the problem under study. The research was conducted at PT. Axa Mandiri Pekanbaru City
Branch, while the population and the sample are all parties related to the problems axamined in this study,
the source of the date used, primary,secondary, and tertiary, then the collection in this study by interview
and study documents.
It can be said that the insurance policy has been provided in advance by the guarantor. The
insurance policy holder as the party that binds themselves to the insurance company through an insurance
agreement gets legal protection in various laws and regulations such as in Law Number 2 of 2011
concerning the Financial Services Authority, Law Number 40 of 2014 concerning Insurance, and in the
Financial Services Authority Regulation Number 1 / POJK.07 / 2013 concerning Financial Services Sector
Consumer Protection. Given that insurance policy holders are generally individual or individual and not a
few whose economic conditions are weak dealing with insurance companies, then a number of laws and
regulations are more concerned and legal protection for insurance policy holders than the possibility or
opportunity of violation of law by insurance companies. The legal consequences of violations of insurance
agreements will be faced by violators, which in this case will result in lawsuits that can be resolved through
court lines or through arbitration and alternative dispute resolution.
Keywords: Insurance – Policy – Standard Clause