Akibat hukum terhadap pencabutan ijin usaha asuransi dan perlindungan hukum bagi nasabahnya

NUGROHO, Banu Aji, Prof.Dr. Nindyo Pramono, SH.,MS

2005 | Tesis | S2 Ilmu Hukum (Magister Hukum Bisnis)

Penelitian ini dilakukan untuk mengetahui akibat hukum terhadap perusahaan asuransi yang dicabut ijin usahanya tetapi tidak dimohonkan kepailitan oleh Menteri Keuangan. Selain itu, penelitian ini juga dilakukan untuk mengetahui bagaimana perlindungan hukum terhadap nasabah perusahaan asuransi yang telah dicabut ijin usaha perasuransiannya tetapi tidak dimohonkan kepailitan oleh Menteri Keuangan. Metode yang digunakan dalam Penelitian ini dengan melakukan penelitian kepustakaan untuk mengumpulkan data sekunder, yang didukung dengan penelitian lapangan untuk mengumpulkan data primer. Data yang diperoleh dianalisis secara kualitatif yang kemudian ditarik suatu kesimpulan secara deduktif, dengan tujuan untuk mengetahui akibat hukum dan perlindungan hukum terhadap nasabah perusahaan asuransi yang dicabut ijin usahanya tetapi tidak dipailitkan. Kesimpulan yang diperoleh adalah pencabutan ijin usaha asuransi mengakibatkan perusahaan asuransi tidak dapat beroperasi lagi sehingga secara otomatis kehilangan hak dan kewenangan serta dilarang untuk menjalankan kegiatan usaha perasuransian. Selanjutnya perlindungan hukum bagi nasabahnya berdasarkan Undang-Undang Nomor 2 Tahun 1992 tentang Usaha Perasuransian, Undang-Undang Nomor 8 Tahun 1999 tentang Perlindungan Konsumen, Undang- Undang Nomor 1 Tahun 1995 tentang Perseroan Terbatas, dan Kitab Undang- Undang Hukum Perdata/BW, dapat dilakukan dengan mengajukan gugatan wanprestasi dan permohonan likuidasi terhadap perusahaan asuransi yang dicabut ijin usahanya tetapi tidak dipailitkan.

The present was aimed to identify legal impacts on insurance companies whose licenses were cancelled; however, no application in terms of their bankruptcy was sent to the Minister of Finance. In addition, such a research was also performed to identify how legal protection was provided for the customers of insurance companies whose business licenses had been cancelled and no application in terms of their bankruptcy was sent to the Minister of Finance. Method utilized in the research were literature research to collect secondary data that field study supported to gather primary data. Data obtained were qualitatively analyzed and deductively concluded. This was to identify legal impacts and legal protection was provided for the customers of insurance companies whose business licenses had been cancelled and no application in terms of their bankruptcy had been sent. Conclusions showed that the license cancellation of insurance business had created insurance companies were not able to operate, hence, automatically deprived of rights and authority to run insurance business. Then, legal protection for their customers based on the 1992 Act number 2 on Insurance business, on the 1999 Act number 8 on Consumer Protection, on the 1995 Act number 1 on Incorporated Company, and Civil Code/BW, were able conducted by applying undue litigation and liquidation application on insurance companies whose licenses had been cancelled, but no bankruptcy application had been sent.

Kata Kunci : asuransi, perlindungan hukum, akibat hukum, Menteri Keuangan, pencabutan, ijin usaha, nasabah, kepailitan, insurance, legal protection, legal impact, the Minister of Finance, cancellation, business license, customer, bankruptcy