{"id":3055,"date":"2021-02-16T10:22:44","date_gmt":"2021-02-16T03:22:44","guid":{"rendered":"http:\/\/ligaasuransi.com\/?p=3055"},"modified":"2021-02-16T10:22:44","modified_gmt":"2021-02-16T03:22:44","slug":"kasus-gagal-bayar-asuransi-marak-siapa-yang-bertanggung-jawab","status":"publish","type":"post","link":"https:\/\/ligaasuransi.com\/en\/kasus-gagal-bayar-asuransi-marak-siapa-yang-bertanggung-jawab\/","title":{"rendered":"Kasus Gagal Bayar Asuransi Marak, Siapa yang Bertanggung jawab?"},"content":{"rendered":"

Liga Asuransi<\/a> – Sidang<\/span> pembaca<\/span> memasuki<\/span> minggu<\/span> ke-3 di <\/span>bulan<\/span> Februari\u00a0<\/span>ini<\/span>, <\/span>muncul<\/span> kabar<\/span> kasus<\/span> Gagal<\/span> bayar<\/span>\u00a0yang <\/span>terjadi<\/span> pada PT <\/span>Asuransi<\/span> Jiwa <\/span>Kresna<\/span> atau<\/span> Kresna<\/span> Life <\/span>menambah\u00a0<\/span>deretan<\/span> kasus<\/span>\u00a0<\/span>asuransi<\/span> jiwa<\/span>\u00a0di Indonesia <\/span>setelah\u00a0<\/span>sebelumnya<\/span> dialami<\/span> nasabah<\/span>\u00a0<\/span>PT <\/span>Asuransi<\/span> Jiwasraya<\/span>(Persero)<\/span>.<\/span><\/p>\n

Melansir<\/span> dari<\/span> Sindonews.com, <\/span>Minggu<\/span> 14 <\/span>Februari<\/span> 2021, <\/span>Kasus<\/span>\u00a0<\/span>gagal<\/span> bayar<\/span>\u00a0<\/span>perusahaan<\/span> asuransi<\/span>, <\/span>khususnya\u00a0<\/span>asuransi<\/span> jiwa<\/span> menjadi<\/span> sorotan<\/span> publik<\/span> belakangan<\/span> ini\u00a0<\/span>mengingat<\/span> dalam<\/span> sepuluh<\/span> tahun<\/span> terakhir<\/span> rentetan<\/span> kasus\u00a0<\/span>gagal<\/span> bayar<\/span> asuransi<\/span> membuat<\/span> cemas<\/span> masyarakat<\/span>. Badan <\/span>Perlindungan<\/span> Konsumen<\/span> Nasional (BPKN) <\/span>mendorong\u00a0<\/span>pemerintah<\/span> untuk<\/span> merealisasikan<\/span> pembentukan\u00a0<\/span>Lembaga\u00a0<\/span>Penjamin<\/span> Polis<\/span>\u00a0<\/span>untuk<\/span> menjamin<\/span> kepastian\u00a0<\/span>hukum<\/span> perlindungan<\/span> terhadap<\/span> konsumen\u00a0<\/span>industri\u00a0<\/span>asuransi<\/span>\u00a0.<\/span>
\n<\/span>
\n<\/span>Seperti<\/span> yang <\/span>telah<\/span> diamanatkan<\/span> oleh <\/span>undang-undang\u00a0<\/span>Nomor<\/span> 40 <\/span>Tahun<\/span> 2014 <\/span>tentang<\/span> perasuransian<\/span>. <\/span>Apalagi\u00a0<\/span>kasus<\/span> gagal<\/span> bayar<\/span> tersebut<\/span> terjadi<\/span> pada <\/span>perusahaan-perusahaan<\/span> asuransi<\/span> besar<\/span> yang <\/span>membuat<\/span> citra<\/span> publik\u00a0<\/span>terhadap<\/span> industri<\/span> asuransi<\/span> runtuh<\/span>.<\/span>
\n<\/span>
\n<\/span>“Dan juga <\/span>meningkatkan<\/span> peran<\/span> OJK <\/span>dalam<\/span> pengawasan\u00a0<\/span>terhadap<\/span> klausula<\/span> baku<\/span> dengan<\/span> melakukan<\/span> kontrol\u00a0<\/span>terhadap<\/span> perjanjian<\/span> sebelum<\/span> digunakan<\/span> perusahaan\u00a0<\/span>asuransi<\/span> dan <\/span>memastikan<\/span> bahwa<\/span> perjanjian<\/span> yang <\/span>beredar\u00a0<\/span>tidak<\/span> melanggar<\/span> ketentuan<\/span> klausula<\/span> baku<\/span> dalam<\/span> UUPK dan POJK No. 1\/POJK.07\/2013 <\/span>Tentang<\/span> Perlindungan\u00a0<\/span>Konsumen\u00a0<\/span>Sektor<\/span> Jasa <\/span>Keuangan<\/span>,” <\/span>terang<\/span> Ketua<\/span> Badan <\/span>Perlindungan<\/span> Konsumen<\/span> Nasional (BPKN), Rizal E Halim.<\/span><\/p>\n


\n<\/span>Sebagai<\/span> informasi<\/span>, pada <\/span>tahun<\/span> 2019, BPKN <\/span>sudah\u00a0<\/span>memberikan<\/span> rekomendasi<\/span> terkait<\/span> asuransi<\/span> kepada\u00a0<\/span>Presiden<\/span> RI Joko Widodo. <\/span>Dalam<\/span> Peraturan<\/span> Presiden<\/span>(<\/span>Perpres<\/span>) No.50\/2017 <\/span>tentang<\/span> Strategi Nasional <\/span>Perlindungan<\/span> Konsumen<\/span> Tahun<\/span> 2017 <\/span>menetapkan<\/span> sektor\u00a0<\/span>keuangan<\/span> sebagai<\/span> salah <\/span>satu<\/span> sektor<\/span> prioritas<\/span> ,<\/span>Krisis\u00a0<\/span>likuiditas<\/span> yang <\/span>terjadi<\/span> di PT. <\/span>Asuransi<\/span> Jiwasraya<\/span> dan <\/span>Asuransi<\/span> Jiwa Bersama Bumiputera dan juga pada <\/span>akhir<\/span>ini<\/span> PT. <\/span>Asuransi<\/span> Jiwa <\/span>Kresna<\/span> Life <\/span>adalah<\/span> kasus<\/span> sektor\u00a0<\/span>keuangan<\/span> yang <\/span>menjadi<\/span> sorotan<\/span> publik<\/span> dan <\/span>merugikan\u00a0<\/span>konsumen<\/span>.<\/span>
\n<\/span>
\n<\/span>Rizal E Halim <\/span>menekankan<\/span>, <\/span>akan<\/span> terus<\/span> berkomitmen<\/span> pada <\/span>perlindungan<\/span> hak<\/span> para korban <\/span>Jiwasraya<\/span> yang <\/span>masih\u00a0<\/span>belum<\/span> dibayarkan<\/span>. <\/span>Meski<\/span> dari<\/span> Jiwasraya<\/span> telah<\/span> memberikan\u00a0<\/span>opsi<\/span> restrukturisasi<\/span> yang <\/span>ditawarkan<\/span> ke<\/span> nasabah<\/span> namun\u00a0<\/span>Jiwasraya<\/span> tidak<\/span> boleh<\/span> merugikan<\/span> hak<\/span> konsumen<\/span> dan <\/span>tetap\u00a0<\/span>mengedepankan<\/span> unsur<\/span> keadilan<\/span> serta<\/span> kepastian<\/span> hukum<\/span>.<\/span>
\n<\/span>
\n<\/span>Kasus<\/span> gagal<\/span> bayar<\/span> yang paling <\/span>baru<\/span> terjadi<\/span> yakni<\/span> PT <\/span>Asuransi<\/span> Jiwa <\/span>Kresna<\/span> atau<\/span> Kresna<\/span> Life. <\/span>Kasus<\/span> kresna\u00a0<\/span>menambah<\/span> deretan<\/span> kasus<\/span> gagal<\/span> bayar<\/span> asuransi<\/span> jiwa<\/span> di Indonesia <\/span>setelah<\/span> sebelumnya<\/span> dialami<\/span> nasabah<\/span> PT <\/span>Asuransi<\/span> Jiwasraya<\/span> (Persero).<\/span>
\n<\/span>
\n<\/span>Wakil <\/span>Ketua<\/span> Komisi<\/span> Komunikasi<\/span> dan <\/span>Edukasi<\/span> Badan <\/span>Perlindungan<\/span> Konsumen<\/span> Nasional (BPKN), <\/span>Firman\u00a0<\/span>Turmantara<\/span> berpendapat<\/span> kasus<\/span> gagal<\/span> bayar<\/span> perusahaan\u00a0<\/span>asuransi<\/span> yang <\/span>terjadi<\/span> dalam<\/span> beberapa<\/span> tahun<\/span> terakhir\u00a0<\/span>disebabkan<\/span> oleh <\/span>lemahnya<\/span> pengawasan<\/span> dari<\/span> regulator. Hal <\/span>ini<\/span> menyebabkan<\/span> kesenjangan<\/span> antara<\/span> ketatnya<\/span> aturan\u00a0<\/span>dengan<\/span> lemahnya<\/span> pengawasan<\/span> di <\/span>lapangan<\/span>.<\/span>
\n<\/span><\/p>\n

“<\/span>Konsumen<\/span> punya <\/span>hak<\/span> mendapatkan<\/span> perlindungan<\/span> atas<\/span>klaim<\/span> asuransi<\/span> dari<\/span> penanggung<\/span> (<\/span>perusahaan<\/span> asuransi<\/span>) <\/span>Pasal<\/span> 4 <\/span>huruf<\/span> d, e, h UUPK jo. <\/span>Pasal<\/span> 1 <\/span>butir<\/span> 1 UU No.40 <\/span>Tahun<\/span> 2014 <\/span>tentang<\/span> Perasuransian<\/span> dan <\/span>kewajiban<\/span> bagi<\/span>penanggung<\/span> (<\/span>perusahaan<\/span> asuransi<\/span>) <\/span>memenuhi<\/span> apa<\/span> yang <\/span>menjadi<\/span> hak<\/span> konsumen<\/span> (<\/span>Pasal<\/span> 7 <\/span>huruf<\/span> a, f, g UUPK), <\/span>dimana<\/span> UUPK <\/span>sebagai<\/span> paying <\/span>hukum<\/span> perlindungan\u00a0<\/span>konsumen<\/span>,” <\/span>ujar<\/span> Firman<\/span> di Jakarta, <\/span>Minggu<\/span> (14\/2\/2021).<\/span>
\n<\/span>
\n<\/span>Kondisi<\/span> penanggung<\/span> (<\/span>perusahaan<\/span> asuransi<\/span>) <\/span>dalam<\/span>keadaan<\/span> Penundaan<\/span> Kewajiban<\/span> Pembayaran<\/span> Utang (PKPU) <\/span>tentunya<\/span> tetap<\/span> wajib<\/span> memperhatikan<\/span> kepentingan<\/span>nasabah<\/span> (<\/span>konsumen<\/span>) <\/span>dengan<\/span> kata lain <\/span>hak<\/span> konsumen\u00a0<\/span>asuransi<\/span> tidak<\/span> boleh<\/span> dirugikan<\/span> dengan<\/span> kondisi<\/span> PKPU <\/span>perusahaan<\/span> asuransi<\/span>, <\/span>guna<\/span> menjaga<\/span> kepercayaan\u00a0<\/span>masyarakat<\/span> sebagai<\/span> konsumen<\/span> asuransi<\/span>.<\/span>
\n<\/span>
\n<\/span>Ketua<\/span> Komisi<\/span> Komunikasi<\/span> dan <\/span>Edukasi<\/span> BPKN, Johan Efendi <\/span>menyampaikan<\/span>, <\/span>berdasarkan<\/span> Pasal<\/span> 1 Angka 1 UU <\/span>Nomor<\/span> 8 <\/span>Tahun<\/span> 1999 <\/span>Tentang<\/span> Perlindungan<\/span> Konsumen\u00a0<\/span>disebutkan<\/span> bahwa<\/span> Perlindungan<\/span> konsumen<\/span> adalah<\/span> segala\u00a0<\/span>upaya<\/span> yang <\/span>menjamin<\/span> adanya<\/span> kepastian<\/span> hukum<\/span> untuk\u00a0<\/span>memberi<\/span> perlindungan<\/span> kepada<\/span> konsumen<\/span>. <\/span>Perlindungan\u00a0<\/span>konsumen<\/span> yang <\/span>dijamin<\/span> oleh <\/span>Undang-undang<\/span> ini<\/span> adalah<\/span>adanya<\/span> kepastian<\/span> hukum<\/span> terhadap<\/span> segala<\/span> kebutuhan\u00a0<\/span>konsumen<\/span>.<\/span>
\n<\/span>
\n<\/span>“Oleh <\/span>karena<\/span> itu<\/span> pemerintah<\/span> dalam<\/span> hal<\/span> ini<\/span>lembaga<\/span>\/regulator yang <\/span>menaungi<\/span> kebijakan<\/span> polis <\/span>asuransi<\/span> harus<\/span> segera<\/span> mengambil<\/span> tindakan<\/span> penegakan\u00a0<\/span>proses <\/span>hukum<\/span> untuk<\/span> melindungi<\/span> konsumen<\/span> apabila\u00a0<\/span>ditemukan<\/span> pelanggaran<\/span> atas<\/span> peraturan<\/span> perundang-undangan<\/span> yang <\/span>berlaku<\/span> dengan<\/span> mengedepankan\u00a0<\/span>pemulihan<\/span> hak<\/span> konsumen<\/span>,” <\/span>bebernya<\/span>.<\/span><\/p>\n

Agar <\/span><\/span>nasabah<\/span><\/span> terhindar<\/span><\/span> dari<\/span><\/span> kasus<\/span><\/span> seperti<\/span><\/span> ini<\/span><\/span> solusi<\/span><\/span> yang <\/span><\/span>tepat<\/span><\/span> adalah<\/span><\/span> dengan<\/span><\/span> berhati-hati<\/span><\/span> dalam<\/span><\/span> memilih<\/span><\/span> perusahaan\u00a0<\/span><\/span>asuransi.<\/span><\/span>\u00a0Cara yang <\/span><\/span>terbaik<\/span><\/span> untuk<\/span><\/span> memilih<\/span><\/span> perusahaan\u00a0<\/span><\/span>asuransi<\/span><\/span> adalah<\/span><\/span> dengan<\/span><\/span> menggunakan<\/span><\/span> jasa<\/span><\/span> broker <\/span><\/span><\/strong>asuransi<\/strong>\u00a0<\/span><\/span>atau<\/span><\/span> konsultan<\/span><\/span> asuransi<\/span><\/span> yang <\/span><\/span>resmi<\/span><\/span> terdaftar<\/span><\/span> di OJK.\u00a0<\/span><\/span><\/p>\n

Broker <\/span><\/span>asuransi<\/span><\/span><\/a>\u00a0<\/span><\/span>mempunyai<\/span><\/span> pengetahuan<\/span><\/span> dan <\/span><\/span>pengalaman<\/span><\/span>yang <\/span><\/span>luas<\/span><\/span> mengenai<\/span><\/span> kondisi<\/span><\/span> dari<\/span><\/span> setiap<\/span><\/span> perusahaan<\/span><\/span> asuransi<\/span><\/span>.\u00a0<\/span><\/span><\/p>\n

Semoga<\/span><\/span> tulisan <\/span><\/span>bermanfaat<\/span><\/span>, kami <\/span><\/span>akan<\/span><\/span> terus<\/span><\/span> memantau\u00a0<\/span><\/span>perkembangan<\/span><\/span> selanjutnya<\/span><\/span> dan <\/span><\/span>akan<\/span><\/span> kami <\/span><\/span>sampaikan<\/span><\/span> kepada\u00a0<\/span><\/span>anda<\/span><\/span>.\u00a0<\/span><\/span><\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

Liga Asuransi – Sidang pembaca memasuki minggu ke-3 di bulan Februari\u00a0ini, muncul kabar kasus Gagal bayar\u00a0yang terjadi pada PT Asuransi Jiwa Kresna atau Kresna Life menambah\u00a0deretan kasus\u00a0asuransi jiwa\u00a0di Indonesia setelah\u00a0sebelumnya dialami nasabah\u00a0PT Asuransi Jiwasraya(Persero). Melansir dari Sindonews.com, Minggu 14 Februari 2021, Kasus\u00a0gagal bayar\u00a0perusahaan asuransi, khususnya\u00a0asuransi jiwa menjadi sorotan publik belakangan ini\u00a0mengingat dalam sepuluh tahun terakhir […]<\/p>\n","protected":false},"author":3,"featured_media":3056,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[45],"tags":[104,192,383,424],"class_list":{"0":"post-3055","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-ulas-berita","8":"tag-asuransi","9":"tag-asuransi-kresna","10":"tag-gagal-bayar-asuransi","11":"tag-jiwasraya"},"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts\/3055","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/comments?post=3055"}],"version-history":[{"count":0,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/posts\/3055\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/media\/3056"}],"wp:attachment":[{"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/media?parent=3055"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/categories?post=3055"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ligaasuransi.com\/en\/wp-json\/wp\/v2\/tags?post=3055"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}