ANALISIS YURIDIS PUTUSAN HAKIM TENTANG KLAIM ASURANSI KEPADA PERSEROAN TERBATAS ASURANSI JIWA MANULIFE INDONESIA (STUDI PUTUSAN PENGADILAN NEGERI RANTAUPRAPAT)

FEBY MEILINDA, NPM 2202100023 (2026) ANALISIS YURIDIS PUTUSAN HAKIM TENTANG KLAIM ASURANSI KEPADA PERSEROAN TERBATAS ASURANSI JIWA MANULIFE INDONESIA (STUDI PUTUSAN PENGADILAN NEGERI RANTAUPRAPAT). Skripsi thesis, Universitas Labuhanbatu.

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Abstract

Penelitian ini bertujuan untuk mengetahui dan menganalisis pertimbangan hukum hakim dalam perkara sengketa penolakan klaim asuransi jiwa oleh PT Asuransi Jiwa Manulife Indonesia sebagaimana tertuang dalam Putusan Nomor 69/Pdt.G/2025/PN.Rap, serta untuk mengetahui apakah tindakan penolakan klaim yang dilakukan perusahaan asuransi telah sesuai dengan ketentuan hukum perasuransian dan prinsip perlindungan konsumen. Penelitian ini menggunakan metode penelitian yuridis empiris, yaitu mengkaji norma hukum tertulis melalui studi peraturan perundang-undangan, polis asuransi, dan putusan pengadilan serta menghubungkannya dengan fakta empiris di lapangan melalui wawancara dan pengamatan pada pihak ahli waris dan pihak yang memahami prosedur klaim asuransi jiwa. Hasil penelitian menunjukkan bahwa dasar penolakan klaim oleh PT Asuransi Jiwa Manulife Indonesia antara lain dikarenakan adanya ketidaksesuaian data kesehatan tertanggung pada saat pengisian SPAJ (surat pengajuan asuransi jiwa), dimana data kondisi kesehatan tidak diungkapkan secara benar. Berdasarkan Pasal 251 KUHD dan ketentuan dalam polis, perusahaan asuransi berhak melakukan pembatalan polis dan mengembalikan premi apabila terdapat misrepresentation (ketidakjujuran) mengenai kondisi kesehatan tertanggung. Majelis hakim dalam putusan Nomor 69/Pdt.G/2025/PN.Rap menilai bahwa tindakan penolakan klaim oleh tergugat dilakukan sesuai dengan ketentuan hukum perasuransian, sehingga gugatan penggugat untuk meminta pembayaran uang pertanggungan ditolak, dan hakim menyatakan bahwa pembatalan polis oleh perusahaan adalah sah menurut hukum. Dengan demikian, penelitian ini menyimpulkan bahwa pertimbangan hakim telah sesuai dengan ketentuan peraturan perundang undangan, dan perlindungan hukum terhadap perusahaan asuransi dapat dibenarkan sepanjang terdapat bukti ketidakjujuran atau pengungkapan data yang tidak benar oleh pemegang polis. Kata Kunci : Asuransi Jiwa, Klaim Asuransi, Misrepresentation, Perlindungan Konsumen, Putusan Pengadilan ================================================================================================= This study aims to identify and analyze the legal reasoning of the judge in the dispute over the rejection of a life insurance claim by PT Asuransi Jiwa Manulife Indonesia as set forth in Decision Number 69/Pdt.G/2025/PN.Rap, as well as to determine whether the rejection of the claim carried out by the insurance company is in accordance with insurance law provisions and consumer protection principles. This study employs an empirical juridical research method, namely examining written legal norms through statutory regulations, insurance policies, and court decisions, and correlating them with empirical facts in the field through interviews and observations with heirs and parties knowledgeable of life insurance claim procedures. The results of the study show that the basis for the rejection of the claim by PT Asuransi Jiwa Manulife Indonesia was due to discrepancies in the insured’s health information at the time of filling in the SPAJ (life insurance application form), in which the actual health condition was not disclosed truthfully. Based on Article 251 of the Indonesian Commercial Code (KUHD) and policy provisions, the insurance company is entitled to cancel the policy and return the paid premiums if there is misrepresentation regarding the insured’s health condition. The panel of judges in Decision Number 69/Pdt.G/2025/PN.Rap concluded that the rejection of the claim by the defendant was conducted in accordance with applicable insurance law provisions, therefore the plaintiff’s claim for payment of insurance benefits was rejected, and the cancellation of the policy by the defendant was deemed lawful. Thus, this research concludes that the judge’s legal considerations were in accordance with statutory regulations, and legal protection for the insurance company is justified as long as there is evidence of dishonesty or false disclosure by the policyholder. Keywords : Life Insurance, Insurance Claims, Misrepresentation, Consumer Protection, Court Decision

Item Type: Thesis (Skripsi)
Uncontrolled Keywords: Asuransi Jiwa, Klaim Asuransi, Misrepresentation, Perlindungan Konsumen, Putusan Pengadilan==============Life Insurance, Insurance Claims, Misrepresentation, Consumer Protection, Court Decision
Subjects: K Law > K Law (General)
Divisions: Fakultas Hukum > Hukum
Depositing User: Unnamed user with email repository@ulb.ac.id
Date Deposited: 31 Jul 2026 07:30
Last Modified: 31 Jul 2026 07:30
URI: http://repository.ulb.ac.id/id/eprint/2617

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