?url_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Adc&rft.title=TANGGUNG+JAWAB+PERUSAHAAN+ASURANSI+DALAM%0D%0APEMBAYARAN+KLAIM+ASURANSI+KREDIT%0D%0A(Studi+Kasus+Putusan+Mahkamah+Agung+Nomor+175+K%2FPDT%2F2018)&rft.creator=NURULLA+BELIYANA%2C+UMAMIT&rft.subject=340+Ilmu+hukum&rft.subject=346+Hukum+privat%2C+hukum+perdata&rft.description=Meninggalnya+Agoes+Soegiarto+meninggalkan+sisa+utang+kredit+kepada+PT.%0D%0ACIMB+Niaga.+Untuk+itu%2C+pemegang+polis+memiliki+kewajiban+meminta+pembayaran%0D%0Aklaim+asuransi+kredit+kepada+Perusahaan+Asuransi.+Selanjutnya%2C+kewajiban+utama%0D%0Aperusahaan+asuransi+adalah+menanggung+risiko+yang+telah+diperjanjikan%0D%0Asebagaimana+diatur+dalam+Pasal+1+Angka+(1)+UU+Perasuransian.+Namun%2C+PT.%0D%0AAsuransi+Cigna+tidak+melaksanakan+kewajibannya+sebagai+perusahaan+asuransi%0D%0Asetelah+terjadinya+risiko.+Atas+Tindakan+tersebut%2C+ahli+waris+dari+Alm.+Agoes%0D%0ASoegiarto+mengajukan+gugatan+ke+Pengadilan.+Penelitian+ini+akan+mengkaji+alasan%0D%0Amajelis+hakim+mengabulkan+permohonan+ahli+waris+dalam+pembayaran+klaim%0D%0Aasuransi+kredit+atas+meninggalnya+tertanggung+dan+alasan+hukum+tanggung+jawab%0D%0Aperusahaan+asuransi+dalam+pembayaran+klaim+asuransi+kredit.%0D%0AJenis+Penelitian+ini+adalah+penelitian+hukum+normatif+dengan+tipe+penelitian%0D%0Adeskriptif.+Pendekatan+masalah+yang+digunakan+adalah+pendekatan+studi+kasus%0D%0Aputusan+yang+telah+berkekuatan+hukum+tetap.+Data+yang+digunakan+adalah+data%0D%0Asekunder+melalui+studi+dokumen+(putusan)+dan+studi+kepustakaan.+Pengolahan+data%0D%0Adilakukan+dengan+cara+pemeriksaan+data%2C+penandaan+data%2C+dan+sistematisasi+data%0D%0Ayang+selanjutnya+dilakukan+analisis+secara+kualitatif.%0D%0AHasil+penelitian+dan+pembahasan+menguraikan+bahwa+alasan+majelis+hakim%0D%0Amengabulkan+permohonan+ahli+waris+karena+Agoes+Soegiarto+telah+melakukan%0D%0Akewajibannya+sebagai+tertanggung+dengan+membayar+premi+dan+memberitahukan%0D%0Ariwayat+kesehatannya+dengan+benar+dan+itikad+baik+dalam+pengisian+SPAJK+(Surat%0D%0APermohonan+Asuransi+Jiwa+Kredit).+Adanya+permohonanan+kasasi+dari+PT.%0D%0AAsuransi+Cigna+tidak+mengubah+Putusan+Mahkamah+Agung+Nomor+175%0D%0AK%2FPdt%2F2018+yang+menguatkan+Putusan+Banding+dan+Pengadilan+Negeri.%0D%0APertimbangan+majelis+hakim+Agung+didasari+oleh+polis+asuransi+yang+telah+dibuat%0D%0Adan+ditandatangani+oleh+PT.+Asuransi+Cigna+dan+Agoes+Soegiarto%2C+maka+adanya%0D%0Apenolakan+klaim+merupakan+wanprestasi+karena+tertanggung+telah+melakukan%0D%0Akewajibannya+dan+kematian+tertanggung+merupakan+risiko+yang+harus+ditanggung%0D%0Aoleh+PT.+Asuransi+Cigna.+Untuk+itu%2C+beralasan+hukum+bagi+perusahaan+asuransi%0D%0Abertanggung+jawab+atas+pembayaran+klaim+berdasarkan+adanya+perjanjian+asuransi%0D%0Akredit+yang+sah+dan+berkekuatan+hukum.+Tanggung+jawab+tersebut+menjadi+melekat%0D%0Adan+wajib+dilaksanakan+dalam+hal+ini+PT.+Asuransi+Cigna+yang+harus+memberikan%0D%0Auang+pertanggungan+berupa+pelunasan+utang+kredit+Agoes+Soegiarto+kepada+PT.%0D%0ABank+CIMB+Niaga.%0D%0AKata+Kunci%3A+Asuransi+Kredit%2C+Klaim%2C+Putusan+Mahkamah+Agung.%0D%0A%0D%0AThe+passing+of+Agoes+Soegiarto+left+remaining+credit+debt+to+PT.+CIMB%0D%0ANiaga.+Therefore%2C+PT.+CIMB+Niaga+(the+policyholder)+is+obligated+to+request%0D%0Apayment+of+the+credit+insurance+claim+from+the+Insurance+Company%2C+PT.+Asuransi%0D%0ACigna.+Subsequently%2C+the+primary+obligation+of+the+insurance+company+is+to+bear%0D%0Athe+agreed-upon+risks+as+regulated+in+Article+1+Number+(1)+of+the+Insurance+Law.%0D%0AHowever%2C+PT.+Asuransi+Cigna+did+not+fulfill+its+obligations+as+an+insurance+company%0D%0Aafter+the+risk+occurred.+As+a+result%2C+the+heirs+of+the+late+Agoes+Soegiarto+filed+a%0D%0Alawsuit+in+court.+This+study+will+examine+the+reasons+why+the+panel+of+judges%0D%0Agranted+the+heirs'+request+for+payment+of+the+credit+insurance+claim+due+to+the%0D%0Ainsured's+death+and+the+legal+grounds+for+the+insurance+company's+responsibility+in%0D%0Apaying+credit+insurance+claims.%0D%0AThis+study+is+a+normative+legal+research+with+a+descriptive+research+type.%0D%0AThis+type+of+research+is+normative+legal+research+with+a+descriptive+research+type.%0D%0AThe+problem+approach+uses+a+case+study+approach+to+decisions+that+have+permanent%0D%0Alegal+force.+The+data+used+are+secondary+data+through+document+studies+(decisions)%0D%0Aand+literature+studies.+Furthermore%2C+the+data+is+processed+through+data+examination%2C%0D%0Aediting%2C+and+data+systematization%2C+and+analyzed+qualitatively.%0D%0AThe+research+findings+and+discussion+elaborate+that+the+reason+the+panel+of%0D%0Ajudges+granted+the+heirs'+request+is+because+Agoes+Soegiarto+fulfilled+his+obligations%0D%0Aas+the+insured+by+paying+premiums+and+accurately+disclosing+his+health+history+in%0D%0Athe+SPAJK+(Credit+Life+Insurance+Application+Letter)+with+good+faith.+The+appeal%0D%0Afiled+by+PT.+Asuransi+Cigna+did+not+alter+Supreme+Court+Decision+Number+175%0D%0AK%2FPdt%2F2018%2C+which+affirmed+the+Court+of+Appeal+and+the+District+Court+decisions.%0D%0A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