Pertanggung Jawaban Hukum Perusahaan Asuransi Terhadap Klaim Nasabah di Sunlife Financial Medan

Abstract

Insurance is an agreement that has been mutually agreed between the insurer (insurance company) with the insured (someone who buys insurance services), where in the agreement the insured must pay a sum of money in a certain period of time, which is called the premium. The amount of the premium that will determine the compensation that will be given. The growth of the insurance business in Indonesia has experienced a tremendous increase. But for some community groups there are still those who do not understand the importance of insurance. This can be caused, among other things, because of the poor image of the insurance company or the insurer in providing insurance claims to the insured or beneficiary. For this reason, legal liability between insurance companies is needed for customer claims in making insurance agreements. Research methods carried out in writing this essay are normative research, namely the type of research conducted by studying existing norms or legislation related to the issues discussed. Analysis of the data used is analysis in a qualitative manner approach to primary and secondary data, taking into account the facts in the field and obtaining data by interviewing and informants and resource persons. The results of this research are : 1). Form the Legal Liability of the Insurance Company against customer Claims at Sun Life Financial Medan. With the provisions of the Life Insurance Policy, the insurance company can also make improvements through an approach to the customer regarding the issue of insurance claims, and also the existence of legal protection for Sun Life Financial if there is a deviation from the customer. 2) Actions taken by Sun Life Financial Medan on customers who committed suicide, namely in the form of conducting an investigation into the customer’s home to conduct an investigation through checking documents, letters and asking about the matter to the client’s heirs.