Beberapa Catatan Yang Perlu Mendapat Perhatian Dari Draft Revisi UU No. 2 / 1992 Tentang Usaha Perasuransian  

Oleh:

Simanjuntak, Ricardo

Jenis: Article from Journal - ilmiah nasional - tidak terakreditasi DIKTI
Dalam koleksi: Jurnal Hukum Bisnis vol. 22 no. 2 (2003), page 11-19.
Topik: Asuransi; UU No. 2 / 1992; asuransi

Ketersediaan

Perpustakaan Pusat (Semanggi) Nomor Panggil: JJ102.3 Non-tandon: 1 (dapat dipinjam: 0) Tandon: tidak ada

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Many issues on legal insurance are fundamentally need clarification or reformation as for developing a solid ground for legal insurance with regard to generate customer's credence upon the insurance products which sell to public. A firm and clear arrangement of activities and products of insurance business, even individual or coproateion, domestic or international, can make a clear understanding of many aspects of insurance such as taking over risk aspect, guardian aspect and value maximising aspect offered by insurance industry to the insured. Government through ministry of finance sets a revision team of law no. 2 / 1992 about insurance industry (insurance law) with its task to revise the law. This article as a legal notation over final draft of the proposed law underlines the importance of legal certainty of insurance products which are uncovered yet by definition or scope of insurance, but they have already marketed such as : unit link and surety bond. Unit link is derivative product of endowment insurance that is combination of insurance and investment unit wherein the unit suffers from financial loss it will be charged on the insured. Surety bond is a quarantee letter as corporate guarantee from insurance company inssuing the bond to cover financial loss paid to oligee dus to improper performance of contractor as the isured that will be charged on according to subrogation right. Both products of insurance are to charge a financial risk on the insured shoulders whilst the general principle of insurance is to cover insured against the risk. In short, by the law, the insurance product seems contradictory to the insurance principle itself.

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