Konstruksi Hubungan Hukum Dalam Skema Perjanjian Produk Asuransi Yang Dikaitkan Dengan Investasi (PAYDI)
DOI:
https://doi.org/10.62383/jembatan.v1i2.253Keywords:
insurance law, legal relationship, unit-linked insuramceAbstract
Investment-linked insurance, otherwise known as unit-linked insurance, offer attractive potential benefits because in addition to providing life protection, they also offer investments for policyholders. However, it also involves the construction of complex legal relationships between policyholders and insurance companies. The purpose of this study is to determine and analyze the construction of legal relationships in insurance schemes linked to investment. This research uses normative legal research methods through data collection techniques in the form of literature studies. The approach used is the statute approach. The results show that the unit-linked insurance agreement scheme involves at least two key elements, namely policyholders and insurance companies. Policyholders can choose to invest their funds in financial instruments managed by investment managers. The legal relationship between the parties is based on an insurance contract known as a policy. The insurance policy regulates the rights and obligations of each party. Premiums paid by policyholders are allocated to the basic premium for insurance protection and investment premiums. Meanwhile, the insurance company provides a return on the premium in the form of life protection and investment management.
References
Artikel Jurnal
Ajijah, Siti. (2015). Kewenangan Otoritas Jasa Keuangan (OJK) terhadap Kegiatan Asuransi Unit Link Dihubungkan dengan Perlindungan Hukum Pengelolaan Asuransi dan Dana Investasi. Pustaka Ilmiah UNPAD, Oktober 2015, 1-15.
Maqfiroh, C. W. (2023). Asuransi Unit Link Ditinjau dari Perspekstif Hukum Syariah. Indonesian Proceedings and Annual Conference of Islamic Law and Sharia Economic (IPACILSE), 1(1): 151-156.
Møller, T. (1998). Risk-Minimizing Hedging Strategies for Unit-Linked Life Insurance Contracts. ASTIN Bulletin: The Journal of the IAA, 28(1), 17-47.
Titik Rianawati dan Sabtarini Kusumaningsih. 2021. Mengenal Unit Link: Asuransi dengan Fitur Investasi (Get to Know Unit Link: Insurance with Investment Features).” Jurnal Visi Manajemen, 7(3), 157-165.
Siswanto, Ade Hari. (2023). Asuransi Jiwa Unit Link Ditinjau dari hukum Asuransi Dan Hukum Investasi. Jurnal Fakultas Hukum Universitas Esa Unggul Jakarta, 1-17.
Wasita, Agus. (2020). Perlindungan Hukum Terhadap Pemegang Polis Asuransi Jiwa. Business Economic, Communication, and Social Sciences Journal (BECOSS), 2(1), 105-113.
Buku Teks
Kunz, Christina L., dkk. (2012). The Process of Legal Research. New York: Wolters Kluwer Law & Business.
Untung, Budi. (2015). Buku Cerdas Asuransi. Yogyakarta: Andi Offset (Penerbit Andi).
Ganie, A. Junaedy. (2013). Hukum Asuransi Indonesia. Jakarta: Sinar Grafika.
Pieloor, Andreas Freddy dan Yani A. Mustamin. (2022). Dosa-Dosa Unit Link. Jakarta: PT. Elex Media Komputindo.
Sendra, Ketut. (2004). Konsep dan Penerapan Asuransi Jiwa Unit Link. Jakarta: PPM.
Vandawati, Zahry. (2014). Prinsip Itikad Baik dalam Perjanjian Asuransi yang Berkeadilan. Surabaya: Revka Petra Media.
Peraturan Perundang-Undangan:
Kitab Undang-Undang Hukum Perdata
Kitab Undang-Undang Hukum Dagang.
Undang-Undang Nomor 40 Tahun 2014 tentang Perasuransian.
Undang-Undang Nomor 4 Tahun 2023 tentang Penguatan Sektor Keuangan
Peraturan Otoritas Jasa Keuangan (POJK) Nomor 23/POJK.05 Tahun 2015 tentang Produk Asuransi dan Pemasaran Produk Asuransi.
Keputusan Ketua Badan Pengawas Pasar Modal dan Lembaga Keuangan (BAPEPAM-LK) Nomor KEP-104/BL Tahun 2006 tentang Produk Unit Link.
Surat Edaran Otoritas Jasa Keuangan Republik Indonesia Nomor 5/SEOJK.05/2022 tentang Produk Asuransi yang Dikaitkan Dengan Investasi.
Internet
https://www.aaji.or.id/Articles/perlunya-memahami-polis-asuransi diakses pada 5 Mei 2024 pukul 15.00 WIB.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2024 Jembatan Hukum : Kajian ilmu Hukum, Sosial dan Administrasi Negara
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
