Legalitas Perjanjian Asuransi Melalui Telemarketing Ditinjau Dari Peraturan Otoritas Jasa Keuangan (Pojk) Nomor 1/Pojk.07/2013 Tentang Perlindungan Konsumen Sektor Jasa Keuangan; Studi Kasus: BNI Life
Abstract
Abstract
Insurance is a willingness to determine the loss as a substitute for large losses that are not yet certain. Along with technological advancement, the insurance industry has begun to develop and the marketing model has also transformed, initially marketing insurance products are only done face-to-face (conventional) method, but now the method was developed by using the telemarketing method. This study aims to determine how the legality of insurance agreements through telemarketing reviewed from Peraturan Otoritas Jasa Keuangan (POJK) Nomor 1/POJK.07/2013 and also to find out the suitability of the insurance agreement through telemarketing according to the principle of consensual in the agreement law at BNI Life. This research uses normative-empirical research and library research by conducting a study of the applicable laws and regulations that support the results of a study. The results of the study show that the insurance offers made by BNI Life were in accordance with those stipulated in POJK 1/2013. However, in practice, the insurance agreement made when making the offer cannot be a perfect agreement, because the insurance agreement through telemarketing by BNI Life does not fulfil the principle of consensual in the agreement law.
Keywords: Agreement, Insurance, Telemarketing, Legality
Keywords
References
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Perundang-undangan
Kitab Undang-Undang Hukum Dagang
Kitab Undang-Undang Hukum Perdata
Peraturan Otoritas Jasa Keuangan (POJK) Nomor 1/POJK.07/2013 tentang Perlindungan Konsumen Sektor Jasa Keuangan
Peraturan Otoritas Jasa Keuangan (POJK) No.23/POJK.05/2015 tentang Produk Asuransi dan Pemasaran Produk Asuransi
Undang-Undang Nomor 11 Tahun 2008 tentang Informasi dan Transaksi Elektronik (UU ITE)
Artikel Internet
Sumandoyo, Arbi, Mengelabui Nasabah lewat Marketing Udara, https://tirto.id/mengelabui-nasabah-lewat-marketing-udara-djTt, diakases pada 4 Juli 2019
Alia, Cut Lika, Akad yang Cacat Dalam Hukum Perjanjian Islam, https://media.neliti.com/media/publications/14022-ID-akad-yang-cacat-dalam-hukum-perjanjian-islam.pdf, diakses Pada Tanggal 2 Juli 2019 Pukul 20.42 WIB
https://mediakonsumen.com/tag/bni-life/page/3, diakses pada tanggal 25 Oktober 2019
Hal Harus dibaca di Polis Asuransi Jiwa, https://duwitmu.com/asuransi/6-hal-wajib-dibaca-di-polis-asuransi-jiwa-2/, diakses pada tanggal 25 Oktober 2019
Hasil Wawancara
Prasetyo , Budhi, Underwriting Telemarketing BNI Life Pada tanggal 22 April 2019
Lathif, Azharuddin, Pengurus Dewan Syariah Nasional-MUI, Pada tanggal 11 September 2019
DOI: https://doi.org/10.15408/jlr.v1i2.13874 Abstract - 0
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