Misrepresentation Sebagai Fraud Dalam Perkara Kontrak Asuransi Yang Dilakukan Penanggung
DOI:
https://doi.org/10.21776/ub.arenahukum.2022.01501.4Keywords:
misrepresentasi, penanggung, kontrak asuransiAbstract
Perusahaan asuransi di Indonesia saat ini terjebak dalam stigma mencari premi setinggi-tingginya. Banyak agen tidak bekerja sesuai standar dan tidak menjelaskan secara rinci hak dan kewajiban pihak tertanggung. Penelitian ini bertujuan mengetahui misrepresentasi dan bentuk-bentuk misrepresentasi yang dilakukan oleh penanggung dalam perkara kontrak asuransi berdasarkan putusan-putusan pengadilan. Penelitian yuridis normatif ini menggunakan metode content analysis. Hasil menunjukkan bahwa penanggung gagal memberikan informasi mengenai pentingnya pemeriksaan kesehatan dalam kaitannya dengan asuransi jiwa, gagal menjelaskan hubungan antara kejujuran dalam mengungkapkan keadaan materil secara lengkap dengan risiko batalnya polis atau konsekuensi penolakan klaim asuransi ditolak, penanggung memberikan informasi keliru kepada pemegang polis dengan mengesankan selah-olah klaim bisa dilakukan dengan mudah hanya dengan photocopy bukti pengeluaran biaya rumah sakit, dan gagal menyajikan informasi bahwa polis hanya dapat ditutup untuk orang lain, jika calon tertanggungnya memiliki akta kelahiran dan tidak bisa digantikan dengan sebuah surat pernyataan.
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