KEGAGALAN ASURANSI PT ASURANSI JIWASRAYA (PERSERO): TINJAUAN HUKUM DAN PERLINDUNGAN NASABAH
Sari
Insurance is an agreement between the insurer and the insured to transfer risk with premium payments. The state-owned insurance company PT Asuransi Jiwasraya (Persero) experienced a financial crisis due to non-transparent investment management and corrupt practices, especially through the JS Saving Plan product. This study uses a normative legal research type and is descriptive. Secondary data is analyzed qualitatively. Conclusions are drawn using deductive logic. The results of the study found that this case triggered a legal investigation that uncovered mega corruption within PT Asuransi Jiwasraya (Persero). O.C. Kaligis' lawsuit against PT Asuransi Jiwasraya (Persero) for unreturned insurance funds was won by O.C. Kaligis through Decision No. 219/Pdt.G/2020/PN.Jkt.Pst which is condemnatory in nature, requiring PT Asuransi Jiwasraya (Persero) to return customer funds and becomes a form of legal certainty for the insured's rights. The PT Asuransi Jiwasraya (Persero) case sets an important precedent for legal protection for customers and the implementation of the principles of prudence and accountability in the insurance industry.
Keywords: Insurance; PT Asuransi Jiwasraya (Persero); Legal Protection
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DOI: https://doi.org/10.33559/eoj.v8i1.3471
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