Legal Protection for Insurance Policyholders
DOI:
https://doi.org/10.70826/jsisnu.v2i3.909Keywords:
Legal Protection, Customers, Insurance PoliciesAbstract
To ensure certainty and security for insurance users in Indonesia, legal protection for
policyholders is crucial. This study aims to determine available dispute resolution
procedures, identify challenges faced, and assess legal protection measures for
consumer policyholders. Using case studies and a legislative perspective, a normative
legal research methodology was employed. Based on the research findings, legal
protection for policyholders is regulated by the Financial Services Authority (OJK)
regulations, Law Number 40 of 2014 concerning Insurance, and Law Number 8 of 1999
concerning Consumer Protection. However, customers still face several challenges in
practice, including protracted and complicated dispute resolution procedures,
imbalanced bargaining power, and a lack of understanding of policy terms. Court
action or mediation are two options for resolving disputes. It is hoped that the
presence of unambiguous legislative instruments will enable the best protection of
customer rights and the development of a fair relationship between policyholders and
insurance companies.
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Copyright (c) 2025 Khairunnisa Silalahi, Fadilla Fadwa Zailani Tumanggor, Nurcholiza Adha, Madinatul Qarima, Ahmad Zhuhri
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