Legal Protection of Policyholders Due to Bankruptcy of Bumi Asih Jaya Insurance

Danggur Feliks

Abstract


PT. Asuransi Bumi Asih JayaInsurance or Asuransi Bumi Asih Jaya  failed to pay due to many factors, one of which was due to the Covid-19 pandemic. This condition caused the investment portfolio of the two products to be problematic. After experiencing a default, the Supreme Court finally decided to go bankrupt. So that policyholders must get legal protection from the bankruptcy of Krishna Life. The formulation of the problem in this research is the legal position of the policyholder against the decision of the bankrupt Asuransi Bumi Asih Jayaand the legal protection of the Asuransi Bumi Asih Jayapolicy holder being declared bankrupt. This study also uses a normative juridical research method. As well as using a statutory approach and a conceptual approach. Based on the results of research and discussion of the legal position between Asuransi Bumi Asih Jayaand policyholders under Preferred Creditors and above Concurrent Creditors. Then there is also no legal relationship between Krishna Life and the Policy Holder. This provision is regulated in Article 21 of the Bankruptcy Law/PKPU, so during the bankruptcy process, the assets obtained from Krishna Life are still managed by the Curator because there has been a bankruptcy statement from the Supreme Court Judge at the cassation level. So that there is no legal relationship again between the Insurer, namely Krishna Life and the Insured, namely the policyholder. Legal protection for Asuransi Bumi Asih JayaInsurance even though it has been declared bankrupt based on Article 52 paragraph 1 of the Insurance Law. Asuransi Bumi Asih Jaya Insurance also has the same position and is entitled to obtain the proceeds from the sale of the debtor's assets, both the debtor's assets in the future. The bankruptcy estate settlement process from Life Insurance can be carried out by a Curator who starts the settlement of the bankruptcy estate after the bankruptcy estate is unable to pay and the debtor's business is terminated.


Keywords


Bankruptcy, Policy Holder, Legal Protection

Full Text:

PDF

References


Abdulkadir Muhammad. (2015). Hukum Asuransi Indonesia. PT. Citra Aditya Bakti.

Annisa Chaula Rahayu, dkk. (2013). Putusan Pailit Atas Perusahaan Asuransi dan Akibat Hukumnya di Indonesia (Kajian Yuridis Atas Putusan No. 10/PAILIT/2020/PN.JKT.PST Dan PutusanMA No. 021/K/N/2002. Jurnal Hukum, Diponegoro Law Review, 1(2), 3.

Deny Guntara. (2016). Asuransi dan Ketentuan -Ketentuan Hukum yang mengaturnya. Jurnal Justisi Ilmu Hukum, 1(1), 31.

Firmansyah. (2021). Tanggung Jawab Kurator Dalam Pengurusan Dan Pemberesan Harta Pailit. Universitas Islam Indonesia.

Hartini, R., & Gorda, A. (2020). Position of Arbitration Clause in Relation to Absolute Competence in Bankruptcy Disputes. Arbitration and Alternative Dispute Resolution International Conference (ADRIC 2019), 21–24.

Istikhomah Dika Romadhona. (n.d.). Kajian Yuridis Terhadap Kewenangan Otoritas Jasa Keuangan Dalam Pengajuan Permohonan Pernyataan Pailit Bagi Perusahaan Asuransi Berkaitan Dengan Perlindungan Hukum Nasabah, ,. Jurnal Hukum, 1.

Man Sastrawidjaya. (2016). Hukum Kepailitan dan Penundaan Kewajiban Pembayaran Utang. Niru AnitaSinaga Dkk,Hukum Kepailitan DanPermasalahannya Di Indonesia, 162–163.

Meliala, D. S. (2012). Hukum perdata dalam perspektif BW. 262.

Novita, T. R., & Husna, M. F. (2019). The application of the concept of managing and settling the bankrupt debtor’s assets process performed by the curator. European Journal of Social Sciences Studies.

Oferman Zai. (2017). Perlindungan Hukum Terhadap Pemegang Polis Pada Perjanjian Asuransi Jiwa Pada PT. Prudential Life Assurance (Studi Kasus Putusan Mahkamah Agung No.826 K/Pdt/2013).

Posner, R. A., & Rosenfield, A. M. (1977). Impossibility and related doctrines in contract law: An economic analysis. The Journal of Legal Studies, 6(1), 83–118.

Putra, F. M. K. (2017). Characteristics Of Preliminary Rights For Insured in Getting Repayment Of Losses on Bankrupt Insurance Companies. Perspektif, 22(2), 180–189.

Salviana, D. T. S. dan F. M. (2016). Hukum Asuransi. PT Revaka Petra Media.

Sefriani. (2019). Ineffectiveness Of The Law On Cross Insolvensi Uncitral Model. Yustisia, 8(1), 30.

Sorta Tobing. (2021). Perjalanan Kasus Asuransi Bumi Asih Jaya , Dari Gagal Bayar Hingga Berujung Pailit.

Sovia Hasanah. (2021). Arti Peristiwa Hukum dan Peristiwa Hukum.

Sutan Remy Sjahdeini. (2010). Hukum Kepailitan Memahami Undang-Undang No. 37 Tahun 2004 Tentang Kepailitan. PT Pustaka Utama Grafiti.




DOI: https://doi.org/10.15575/kh.v4i2.18100

Refbacks

  • There are currently no refbacks.


Copyright (c) 2022 Danggur Feliks

Creative Commons License
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

 

1th Floor, Building of Program Pasca Sarjana UIN Sunan Gunung Djati
Jalan Cimencrang, Cimenerang, Kec. Gedebage, Kota Bandung, Jawa Barat
Handphone: +6282176562270

E-mail: KHukum@uinsgd.ac.id

Lisensi Creative Commons

Khazanah Hukum are licensed under Attribution-ShareAlike 4.0 International