REINSURANCE ARRANGEMENTS ASSOCIATED WITH GUARANTEE LEGAL RESPONSIBILITIES

Selvi Harvia Santri


Selvi Harvia Santri(1*)

(1) Universitas Islam Riau
(*) Corresponding Author

Abstract


The use of diversion responsibility or reinsurance arrangements as a way for insurance companies to protect themselves from losses by cooperating with a reinsurance company. One reason for utilizing reinsurance is to distribute risk. Reinsurance becomes more understandable when insurance claims occur, and it is not possible to have reinsurance without having insurance first. The legal framework for insurance and reinsurance is explained in the Criminal Code or Law Number 40 of 2014 concerning business insurance. However, there is no provision that clearly defines what is meant by reinsurance, which can cause problems if there are insufficient answers regarding the company's reinsurance payment for losses. Therefore, legal certainty is necessary. The research objective is to determine the form of responsibility of the guarantor in reinsurance, and the normative law method is used. The Ex-Gratia Payment clause outlines the responsibility of the reinsurance company to the insured, allowing the insured to claim compensation from the insurer for reinsurance claims.


Keywords


Insurance; Reinsurance; Responsibility; Insured; Insurer.

Full Text:

PDF

References


A W. (2020). Perlindungan Hukum Terhadap Pemegang Polis Asuransi Jiwa. Business Economic, Communication, and Social Sciences. Business Economic, Communication, and Social Sciences, 2.

Hartono. (1990). “Reasuransi, Kebutuhan Yang Tidak Dapat Dikesampingkan Oleh Penanggung Guna Memenuhi Kewajibannya Terhadap Tertanggung Tinjauan Yuridis. Universitas Dipenogoro.

Ishak. (2022). Asas kepatuhan syariah dalam finansial teknologi. Jurnal Cendikia Hukum, 8.

J. A Ganie. (2011). Hukum Asuransi Indonesia. Sinar Grafika.

KV A. (2020). Perlindungan Pemegang Polis PadaAsuransi Jiwa Di Kaitkan Dengan Nilai Investas. Jurnal Unsrat.

Muhammad. (2006). Hukum Asuransi Indonesia. PT. Citra Bakti.

N A Savitri. (2019). perlindungan tertanggung pada asuransi jiwa berdasarkan undang-undang no. 40 tahun 2014 tentang perasuransian. Jurnal Hukum Magnum Opus, 2.

S R Hartono. (1992). Hukum Asuransi Dan Perusahaan Asuransi. Sinar Grafika.

Salahudin A T. (2022). Perlindungan Hukum Terhadap Pengguna Asuransi. JCH (Jurnal Cendekia Hukum), 8.

Santri, selvi H. (2018). Pelaksanaan prinsip subrogasi pada asuransi kendaraan bermotor menurut kitab undang-undang hukum dagang. Uir Law Review, 02, 354–369. https://doi.org/https://doi.org/10.25299/uirlrev.2018.vol2(02).2073.

Selvi Harvia Santri. (2019a). Application of proxima cause principle in insurance of loss according to book of trade law and law no 40 of 2014. IJICC, 1.

Selvi Harvia Santri. (2019b). Penerapan prinsip indemnitas pada asuransi kendaraan bermotor,. UIR Law Review, 3.

Selvi Harvia Santri. (2020). Perlindungan Hukum Pemegang Polis Asuransi Jiwa Terhadap Penetapan Klausula Baku. Jurnal UIR Law Riview, 4(1).

Soejono Soekanto. (1982). Pengantar Penelitian Hukum. UI Pers.

Soejono Soekanto. (2003). Prinsip-Prinsip Manajemen Resiko Dan Asuransi. Prinsip-Prinsip Manajemen Resiko Dan Asuransi.

Subekti. (2008). Kitab Undang-Undang Hukum Dagang dan Undang-Undang Kepailitan (Wetboek Van Koophandel en Faillissements-Verordening).

Undang-Undang Nomor 40 Tahun 2014 Tentang Usaha PerAsuransian

Undang-Undang Nomor 8 Tahun 1999 Tentang Perlindungan Konsumen




DOI: http://doi.org/10.33760/jch.v8i2.670

Refbacks

  • There are currently no refbacks.


Copyright (c) 2023 JCH (Jurnal Cendekia Hukum)

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

Published by STIH Putri Maharaja Payakumbuh

 Indexing by