Hasil Pencarian  ::  Simpan CSV :: Kembali

"Skripsi ini membahas tentang keabsahan janin sebagai objek pertanggungan dalam suatu produk asuransi yang ditinjau dari hukum Islam. Penulisan skripsi ini, dilatarbelakangi munculnya sebuah produk asuransi PRU My Child yang dikeluarkan oleh PT Prudential Life Assurance dimana objek pertanggungannya adalah janin yang masih ada di dalam kandungan ibu. Janin yang dijadikan sebagai objek pertanggungan asuransi menimbulkan pro dan kontra dalam masyarakat Indonesia mengingat masyarakat di Indonesia yang mayoritas penduduknya memeluk agama Islam. Dalam penelitian ini, akan dibahas mengenai keabsahaan pertanggungan janin menurut hukum positif dan hukum islam, kemungkinan produk asuransi PRU My Child dijadikan produk asuransi syariah, serta pertanggungan yang akan di peroleh dari PT Prudential Life Assurance ketika tertanggung produk asuransi PRU My Child melakukan aborsi.Penelitian ini adalah penelitian deskriptif, yaitu penelitian hukum yang bertujuan untuk menggambarkan suatu hal tertentu. Kesimpulan yang diperoleh dalam penulisan ini adalah janin dapat dijadikan objek pertanggungan asuransi menurut hukum positif dan hukum islam, selain itu produk asuransi PRU My Child jika dianalisis lebih lanjut dapat dijadikan produk dalam asuransi syariah karena telah memenuhi rukun dan syarat dalam perikatan islam, dan jika tertanggung asuransi ini harus melakukan aborsi secara darurat maka akan mendapatkan pertanggungan sesuai dengan perjanjian dalam polis.

---

This thesis writing, backed by the rise of an insurance product PRU MyChild issued by PT Prudential Life Assurance where the object is still afetus. The fetus is used as the object of insurance coverage raises the pros and cons of society Indonesia given the community in Indonesia that the majority of the population are moslem. In this study, will be discussed regarding the validity of fetus as the object insurance according to positive law and Islamic law, possibility the insurance product PRU My Child made Sharia insurance products, as well as coverage that will be gained from the PT Prudential Life Assurance when the insured of PRU My Child have an abortion.This research is descriptive research, namely the legal research that aims to describe a certain thing. The conclusions obtained in this thesis is the fetus could be made the object of insurance coverage according to positive law and Islamic law, in addition to insurance product PRU My Child if analyzed can further be used as Sharia insurance products because it has meet the tenets and terms within the Islamic Alliance, and if the insured of this product insurance do an abortion in emergency will get coverage in accordance with the agreement on the policy."

"[Studi dalam penelitian ini mengenai Janin sebagai objek perjanjian asuransi ditinjau menurut perspektif hukum Islam. Masalah yang diangkat dalam penelitian ini adalah : (1) Bagaimana pelaksanaan asuransi janin di Pt. xxx menurut Peraturan perundang-undangan yang mengatur asuransi di Indonesia. (2) Bagaimana hukum asuransi janin dalam kandungan menurut hukum Islam. (3) Bagaimana perlindungan konsumen Muslim pada produk Asuransi Janin di Indonesia. Dalam penelitian ini menggunakan analisis destriktif kualitatif. Analisis ini digunakan untuk mengetahui pelaksanaan asuransi janin di Pt. xxxmenurut peraturan Perundang-undangan yang mengatur asuransi di Indonesia. Mengetahui hukum asuransi janin dalam kandungan bagi kaum muslim. Mengetahui perlindungan konsumen Muslim pada produk Asuransi Janin di Indonesia. Hasil analisis deskriptif ini bahwa, dalam perundang-undangan di Indonesia tidak mengatur tentang asuransi janin. Akan tetapi, pembahasan tentang janin, objek perjanjian dan asuransi diatur dalam Undang-undang maupun Peraturan lainnya.Menurut hukum Islam dalam jual beli yang di dalamnya ada unsur gharar maka akan berakibat batalnya transaksi tersebut. Sehingga tujuan dari terciptanya kemaslahatan bagi umat manusia atau maqashidu syariah yang dicita-citakan tidak tercapai. Produk asuransi yang telah beredar sejak 2012 ini juga memiliki nasabah yang beragama Islam, oleh karena itu kaitannya dengan perlindungankonsumen muslim yang memakai jasa produk asuransi janin ini cukup erat, akan tetapi belum juga ada peraturan yang mengatur tentang hal ini.;Point in this research about the fetus as an object of the Insurance agreement is reviewed from the prespective of Islamic law, the issues in this research were : (1) How is the implementation of a fetus in PT. xxx according to the legislation governing insurance in Indonesia? (2) How is the law of fetus insurance, according to Islamic law? (3) How muslim consumer protection at fetus insurance products in Indonesia? In this research, using qualitative analysis destriktif. This analysis is used todetermine fetus insurance implementation in PT. xxx according to the rule of legislation governing in Indonesia, Knowing fetus insurance laws for muslim. Knowing the muslim consumer protection at fetus insurance products in Indonesia. Result of descriptive analysis is, in Indonesia legistation doesn’t regulate fetus insurance, but discussions about fetus, object of agreement and insurance is set in statute as well as rules else. According to Islamic law in the commerce, that befound in “Gharar” inside, it will be cancellation of the transaction, so the purpose benefit of the creation to mankid or “sharia maqashidu” will be unless. Insurance products that have been since 2012 and have muslim customer also, therefore to do with muslim customer protection who use the service of an insurance product is quite closely fetus., Point in this research about the fetus as an object of the Insurance agreement isreviewed from the prespective of Islamic law, the issues in this research were : (1)How is the implementation of a fetus in PT. xxx according to the legislationgoverning insurance in Indonesia? (2) How is the law of fetus insurance,according to Islamic law? (3) How muslim consumer protection at fetus insuranceproducts in Indonesia?In this research, using qualitative analysis destriktif. This analysis is used todetermine fetus insurance implementation in PT. xxx according to the rule oflegislation governing in Indonesia, Knowing fetus insurance laws for muslim.Knowing the muslim consumer protection at fetus insurance products inIndonesia.Result of descriptive analysis is, in Indonesia legistation doesn’t regulate fetusinsurance, but discussions about fetus, object of agreement and insurance is set instatute as well as rules else. According to Islamic law in the commerce, that befound in “Gharar” inside, it will be cancellation of the transaction, so the purposebenefit of the creation to mankid or “sharia maqashidu” will be unless. Insuranceproducts that have been since 2012 and have muslim customer also, therefore todo with muslim customer protection who use the service of an insurance productis quite closely fetus.]"

"Skripsi ini membahas mengenai analisis yuridis terhadap Perjanjian Asuransi Jiwa AlliSya Protection Plus pada PT Asuransi Allianz Life Indonesia. Pembahasan skripsi ini menganalisis akad dalam perjanjian berdasarkan ketentuan akad menurut Hukum Perikatan Islam dan Peraturan Menteri Keuangan No. 18/PMK.010/2010 tentang Penerapan Prinsip Dasar Penyelenggaraan Usaha Asuransi dan Usaha Reasuransi dengan Prinsip Syariah 'PMK 18/2010'. Penulisan dilakukan secara normatif berdasarkan studi kepustakaan. Analisis yang digunakan adalah analisis kualitatif dengan menggunakan data sekunder yang terdiri dari bahan hukum primer, bahan hukum sekunder, dan bahan hukum tersier. Berdasarkan hasil penelitian yang dilakukan, ketentuan akad dalam Perjanjian Asuransi Jiwa AlliSya Protection Plus pada PT Asuransi Allianz Life Indonesia telah diterapkan secara jelas dalam polis menurut ketentuan akad dalam Hukum Perikatan Islam dan PMK 18/2010. Sebaiknya pemerintah dalam hal ini badan legislatif membuat suatu undang-undang tentang asuransi syariah secara spesifik untuk mengakomodir kebutuhan masyarakat terhadap perkembangan ekonomi syariah saat ini, khususnya asuransi syariah.

---

This thesis focuses on judicial review on AlliSya Protection Plus Life Insurance Agreement in PT Asuransi Allianz Life Indonesia. In the analycist section of this thesis analyzes contract in agreement based on provisions stipulated in the Islamic Law and Minister of Finance regulation No. 18 PMK.010 2010 regarding Implementation of Basic Principles on Conducting Insurance and Reinsurance Business According to Sharia Principles 'PMK 18 2010'. The writing was conducted through documentation study. Qualitative analycist using secondary data comprises of primary law source, secondary law source, and tertiary law source.

Based on research, the contract in AlliSya Protection Plus Life Insurance Agreement in PT Asuransi Allianz Life Indonesia has been implemented clearly according to the contract provisions in Islamic Law and PMK 18 2010. Government in this case the legislative composes a constitution of sharia insurance to accomodate the rapid growth of the sharia economic, specifically the sharia insurance."

"Berbagai jenis kondisi lingkungan kerja dapat memengaruhi terjadinya insurance fraud atau tindak pidana perasuransian yang dilakukan oleh agen asuransi salah satunya sistem pengendalian internal atau pemantauan perusahaan yang kurang efektif. Oleh karena itu, skripsi ini membahas mengenai pengenaan pertanggungjawaban perusahaan asuransi selaku korporasi atas tindak pidana yang dilakukan oleh agennya. Bentuk penelitian dari skripsi ini adalah yuridis-normatif menelaah dan menganalisis ketentuan hukum serta bahan pustaka lainnya yang berhubungan dengan tindak pidana perasuransian, dalam hal terjadinya insurance fraud yang dilakukan oleh agen dari suatu perusahaan asuransi. Kesimpulan yang didapat atas penelitian skripsi ini adalah (1) Pengaturan insurance fraud di Indonesia dituangkan di dalam Pasal 77 dan 78 Undang-Undang Nomor 40 Tahun 2014, Pasal 381 dan 382 Kitab Undang-Undang Hukum Pidana, Pasal 1365 Kitab Undang-Undang Hukum Perdata, dan Pasal 251 Kitab Undang-Undang Hukum Dagang; dan (2) Suatu korporasi dapat dikenakan pertanggungjawaban pidana atas insurance fraud yang dilakukan oleh agennya dengan mengacu pada Perma No. 13/2016 tentang Tata Cara Penanganan Tindak Pidana oleh Korporasi. Dari hasil penelitian skripsi ini, badan legislatif pembuat Undang-Undang hendaknya agar dapat benar-benar merumuskan cakupan dan substansi dari Undang-Undang tersebut dengan matang dan bagi para penegak hukum untuk dapat menjadikan Perma No. 13/2016 sebagai pedoman untuk menangani perkara pidana yang melibatkan korporasi.

---

Various types of work environment conditions can affect the occurrence of insurance fraud carried out by insurance agents, one of which is an ineffective internal control system or company monitoring. Therefore, this thesis discusses the imposition of liability for insurance companies as corporations for criminal acts committed by their agents. The research form of this thesis is juridical-normative reviewing and analyzing legal provisions and other library materials related to insurance crimes, in the event of insurance fraud committed by an agent of an insurance company. The conclusions obtained from this thesis research are (1) The regulation of insurance fraud in Indonesia is stated in Articles 77 and 78 of Law Number 40 of 2014, Articles 381 and 382 of the Criminal Code, Article 1365 of the Civil Code , and Article 251 of the Commercial Code; and (2) A corporation may be subject to criminal liability for insurance fraud committed by its agent by referring to Perma No. 13/2016 concerning Procedures for Handling Criminal Acts by Corporations. From the results of this thesis research, the legislature that makes laws should be able to thoroughly formulate the scope and substance of the law carefully and for law enforcers to be able to make Perma No. 13/2016 as a guideline for handling criminal cases involving corporations. "

"Asuransi jiwa adalah produk keuangan yang memberikan manfaat uang kepada penerima yang ditunjuk setelah kematian orang yang diasuransikan. Produk ini dirancang untuk menawarkan keamanan finansial dengan menutupi biaya seperti biaya pemakaman, utang yang belum lunas, dan biaya hidup untuk tanggungan. Pemegang polis biasanya membayar premi secara teratur sebagai imbalan atas perlindungan ini. Prinsip itikad baik, yang juga dikenal sebagai "uberrima fides," adalah prinsip dasar dalam kontrak asuransi yang mengharuskan kedua belah pihak—penanggung dan tertanggung—untuk bertindak jujur dan mengungkapkan semua informasi yang relevan dengan benar. Prinsip ini mengharuskan tertanggung memberikan informasi yang akurat dan lengkap tentang risiko yang diasuransikan, sementara penanggung harus secara jelas menguraikan syarat, ketentuan, dan cakupan polis. Kegagalan untuk mematuhi prinsip itikad baik oleh salah satu pihak dapat mengakibatkan pembatalan kontrak atau penolakan klaim. Penyebab terdekat adalah konsep hukum dalam asuransi yang merujuk pada penyebab utama kerugian atau kerusakan dalam rangkaian peristiwa. Ini adalah penyebab dominan, langsung, atau paling signifikan yang memicu peristiwa lain, yang mengarah pada hasil tertentu. Dalam konteks klaim asuransi, menentukan penyebab terdekat sangat penting karena membantu menetapkan apakah kerugian tersebut ditanggung oleh polis. Jika penyebab terdekat dari kerusakan adalah risiko yang diasuransikan, maka penanggung wajib membayar kerugian tersebut.

---

Life insurance provides a monetary benefit to a designated beneficiary upon the death of the insured, offering financial security by covering expenses such as funeral costs, outstanding debts, and living expenses for dependents. Policyholders pay regular premiums for this protection. Utmost good faith, or "uberrima fides," is a key principle in insurance contracts, requiring both the insurer and the insured to act honestly and disclose all relevant information truthfully. The insured must provide accurate information about the risk being insured, while the insurer must clearly outline the policy terms, conditions, and coverage. Failure to uphold utmost good faith can result in the voiding of the contract or denial of claims. Proximate cause is a legal concept in insurance that refers to the primary cause of loss or damage in a chain of events. It is the dominant cause that leads to a particular outcome. Determining the proximate cause is crucial in insurance claims because it establishes whether the loss is covered under the policy. If the proximate cause is an insured peril, the insurer is liable to pay for the loss."

"Skripsi ini membahas mengenai anak hasil incest terkait status dan kedudukannya dalam penerimaan harta warisan ditinjau menurut hukum Islam. Pokok permasalahannya adalah bagaimanakah status hukum anak hasil incest dan kedudukannya dalam penerimaan harta warisan ditinjau menurut hukum Islam. Penelitian ini menggunakan metode penelitian kepustakaan yang bersifat yuridis normatif dengan pendekatan kualitatif untuk menghasilkan data deskriptif analitis. Dapat disimpulkan bahwa terdapat anak hasil incest yang dilakukan secara legal dimana anak tersebut berstatus sebagai anak sah sehingga dapat dinasabkan dan berhak mewaris dari ayah dan ibunya. Dan juga terdapat anak hasil incest yang dilakukan secara illegal dimana anak tersebut berstatus sebagai anak zina sehingga hanya dapat dinasabkan dan berhak mewaris dari ibunya saja. Namun, tetap dapat memperoleh sebagian harta yang dimiliki oleh ayahnya melalui mekanisme hibah, wasiat, atau wasiat wajibah.

---

The focus of this thesis is about the child of incest relating to status and position in the admission of inheritance according to Islamic law. The problems are how the legal status of the child of incest and its position in the admission of inheritance according to Islamic law. This research use literature research method in the form of normative juridical with qualitative approach in order to provide analytical descriptive data. The conclusion of this thesis is that there are existing children from a legal incest relationship, where they have the status as legitimate children, so they can be “dinasabkan” to their father and mother and entitled to inherit from their father and mother. There also exist children of illegal incest and have the status as adultery child, so they only can be“dinasabkan” to their mother and therefor, only entitled to inherit from their mother. However, they can obtain some properties owned by their father through gift, testament, or obligatory bequest mechanism."

"Skripsi ini membahas mengenai penerapan prinsip utmost good faith pada asuransi jiwa, yang terdapat dalam putusan Pengadilan Negeri Jakarta Selatan No. 407/Pdt.G/2011/PN.Jkt.Sel.; putusan Pengadilan Tinggi Jakarta No. 232/Pdt/2012/PT.DKI; dan putusan Mahkamah Agung No. 862/K/Pdt/2013, antara Victor Joe Sinaga sebagai penggugat melawan PT. Prudential Life Assurance sebagai Tergugat. Penulisan skripsi ini menitikberatkan kepada penerapan prinsip utmost good faith pada asuransi jiwa yang dilakukan antara penanggung dan tertanggung sesuai dengan peraturan perundang-undangan mengenai asuransi terutama Pasal 251 Kitab Undang-Undang Hukum Dagang. Penulisan skripsi ini menganalisis mengenai pengaturan dan penerapan penerapan prinsip utmost good faith pada asuransi jiwa serta pertimbangan hukum pada putusan yang telah disebutkan di atas. Adapun metode penelitian yang digunakan pada penelitian ini adalah penelitian kepustakaan, dengan data yang berasal dari data sekunder.

---

This thesis discussed about application of the principle of utmost good faith in life insurance which based on District Court of South Jakarta verdict number 407 Pdt.G 2011 PN.Jkt.Sel. High Court of Jakarta verdict number 232 Pdt 2012 PT.DKI and the Supreme Court verdict number 862 K Pdt 2013, between Victor Joe Sinaga as a plaintiff against PT. Prudential Life Assurance as a defendant. This writing emphasizes on product application of the principle of utmost good faith in life insurance between the insurer and the the insured based on insurance regulation especially article 251 of Wetboek van Koophandel.

The writing in this thesis will analyze about regulation and application of the principle of utmost good faith in life insurance and also legal consideration on the verdicts that mentioned before. Besides that, this writing uses document research as its research methods, with data that originated from secondary data."

"[ABSTRAKSkripsi ini membahas tentang dugaan praktek anti persaingan yang dilakukan oleh PT Bank Rakyat Indonesia dengan melekatkan perjanjian Kredit Pemilikan Rumah BRI dengan produk asuransi jiwa dari PT Asuransi Jiwa Bringin Sejahtera dan PT Heksa Eka Life Insurance. Kerja sama ini dianggap dapar membatasi pilihan konsumen dan menciptakan barrier to entry terhadap pelaku usaha lain. Terhadap permasalahan di atas dilakukan peneltian dengan menggunakan pendekatan yuridis normatif. Hasil penelitian menunjukkan bahwa kegiatan yang dilakukan oleh ketiga pelaku usaha tergolong ke dalam tying agreement, namun untuk dapat membuktikan bahwa praktek tying agreement melanggar Undang-Undang No.5 Tahun 1999, maka perlu dilakukannya pembuktian pasal 15 ayat (2) dan pasal 19 huruf (a) dengan menggunakan pendekatan rule of reason dan melihat dampak yang ditimbulkan bagi konsumen dan perusahaan lain.

---

ABSTRACTThis thesis discusses about presumption of anti-competition practices commited by PT Bank Rakyat Indonesia by embedding home loan agreement with life insurance products of PT Asuransi Jiwa Bringin Sejahtera and PT Heksa Eka Life Insurace. This cooperation can limiting consumer choice and create barrier to entry for other business actors. Upon these problems, research has been done in the juridical-normative approach. The result showed that the activities commited by this three business actors classified into tying agreement, but to prove that the practice of tying agreements breached on Law Number 5 Of 1999, it is necessary to prove Article 15 paragraph (2) and Article 19 paragraph (a) using the rule of reason approach and the impact for consumers and other companies;This thesis discusses about presumption of anti-competition practices commited by PT Bank Rakyat Indonesia by embedding home loan agreement with life insurance products of PT Asuransi Jiwa Bringin Sejahtera and PT Heksa Eka Life Insurace. This cooperation can limiting consumer choice and create barrier to entry for other business actors. Upon these problems, research has been done in the juridical-normative approach. The result showed that the activities commited by this three business actors classified into tying agreement, but to prove that the practice of tying agreements breached on Law Number 5 Of 1999, it is necessary to prove Article 15 paragraph (2) and Article 19 paragraph (a) using the rule of reason approach and the impact for consumers and other companies;This thesis discusses about presumption of anti-competition practices commited by PT Bank Rakyat Indonesia by embedding home loan agreement with life insurance products of PT Asuransi Jiwa Bringin Sejahtera and PT Heksa Eka Life Insurace. This cooperation can limiting consumer choice and create barrier to entry for other business actors. Upon these problems, research has been done in the juridical-normative approach. The result showed that the activities commited by this three business actors classified into tying agreement, but to prove that the practice of tying agreements breached on Law Number 5 Of 1999, it is necessary to prove Article 15 paragraph (2) and Article 19 paragraph (a) using the rule of reason approach and the impact for consumers and other companies;This thesis discusses about presumption of anti-competition practices commited by PT Bank Rakyat Indonesia by embedding home loan agreement with life insurance products of PT Asuransi Jiwa Bringin Sejahtera and PT Heksa Eka Life Insurace. This cooperation can limiting consumer choice and create barrier to entry for other business actors. Upon these problems, research has been done in the juridical-normative approach. The result showed that the activities commited by this three business actors classified into tying agreement, but to prove that the practice of tying agreements breached on Law Number 5 Of 1999, it is necessary to prove Article 15 paragraph (2) and Article 19 paragraph (a) using the rule of reason approach and the impact for consumers and other companies, This thesis discusses about presumption of anti-competition practices commited by PT Bank Rakyat Indonesia by embedding home loan agreement with life insurance products of PT Asuransi Jiwa Bringin Sejahtera and PT Heksa Eka Life Insurace. This cooperation can limiting consumer choice and create barrier to entry for other business actors. Upon these problems, research has been done in the juridical-normative approach. The result showed that the activities commited by this three business actors classified into tying agreement, but to prove that the practice of tying agreements breached on Law Number 5 Of 1999, it is necessary to prove Article 15 paragraph (2) and Article 19 paragraph (a) using the rule of reason approach and the impact for consumers and other companies]"

"[ABSTRAKTesis ini membahas mengenai pertentangan antara ketentuan dalam asuransisyariah tentang penerima manfaat asuransi jiwa syariah dengan ketentuan pembagianwaris dalam hukum waris Islam. Dalam asuransi jwa syariah, penerima manfaat uangsantunan asuransi jiwa bila tertanggung meninggal telah ditunjuk sebelumnya dantercantum dalam polis, sedangkan ketentuan waris Islam menyatakan pembagianharta dari seseorang yang telah meninggal telah diatur di dalam al-Qur’an dan al-Hadits. Penelitian ini adalah penelitian hukum normatif tentang asuransi jiwa syariahdan hukum waris islam, dan alat pengumpulan data yang digunakan dalam penelitianini adalah melalui penelitian kepustakaan.Hasil penelitian menunjukkan bahwa polis asuransi jiwa syariah dapat dinilaisebagai wasiat sehingga uang santunan asuransi jiwa syariah menjadi milik penerimamanfaat, selama tidak bertentangan dengan ketentuan wasiat dalam KHI. Kedudukanhukum ahli waris yang tidak tercantum dalam polis asuransi jwa syariah tetaplahsebagai ahli waris yang memiliki hak waris sehingga bila polis asuransi jiwa syariahtidak sesuai dengan ketentuan dalam KHI, ahli waris tersebut berhak atas uangsantunan. Dengan ketentuan yang ada saat ini mengenai asuransi jiwa syariah,pemberian asuransi kepada penerima manfaat meski menggangu hak ahli waris lainadalah terpenuhinya prestasi dan tidak menimbulkan akibat hukum apapun kecualidosa di mata Allah SWT.Ketentuan mengenai asuransi jiwa syariah saat ini masih belum sesuai denganketentuan hukum waris Islam, sedangkan waris merupakan hak bagi umat Islam yangdilindungi oleh pasal 29 Undang-Undang Dasar 1945. Selain itu, karena uangsantunan asuransi jiwa syariah berkaitan dengan kematian seseorang dansebagaimana diamanatkan Undang-Undang Nomor 3 tahun 2006 tentang Perubahanatas Undang-Undang Nomor 7 tahun 1989 tentang Peradilan Agama, bagi umat Islamdi Indonesia wajib melakukan pembagian waris berdasarkan hukum waris Islam.Oleh sebab itu, pemerintah seharusnya membuat Undang-Undang khusus mengenaiAsuransi Syariah yang disesuaikan dengan hukum Islam lainnya, khususnya hukumwaris Islam. Meski belum ada peraturan mengenai asuransi syariah ini, kontrakasuransi syariah yang sesuai dengan hukum Islam masih bisa dibuat karena hukumperjanjian di Indonesia mengenai asas kebebasan berkontrak, maka perusahaanasuransi dan nasabah asuransi jiwa syariah bisa membuat kontrak asuransi yangisinya sesuai dengan syariah.

---

ABSTRACTThis thesis discusses the conflict between determination of the beneficiaries ofislamic life insurance and the distribution of property in Islamic law of inheritance. Inthe islamic life insurance, the beneficiary of islamic life insurance compensationmoney when the insured dies has been appointed earlier and listed in the policy, whilethe provisions of Islamic inheritance declare the division of property of someone whohas died has been set up in the al-Quran and al-Hadith. This research is a normativelaw on life islamic insurance and Islamic inheritance law, and data collection toolsused in this research is through literature research.The results showed that islamic life insurance policy can be assessed as atestament. So the islamic life insurance compensation money belongs to thebeneficiaries, as long as not contrary to the provisions of a will in KHI. The legalposition of heirs who are not listed in the policy of islamic life insurance remains asan heir who has the right of inheritance so that when the policy of islamic lifeinsurance is not in accordance with the provisions of KHI, these heirs shall be entitledto compensation. With the existing provisions regarding islamic life insurance,providing insurance to beneficiaries despite another heir is the fulfillment ofachievement and not cause any legal consequences except sin in the Eyes of Allah.Provisions concerning islamic life insurance is still not in accordance with theprovisions of Islamic law. Meanwhile, inheritance is the right of Muslims who areprotected by article 29 of the Constitution of 1945. In addition, because thecompensation money islamic life insurance related to the death of a person and asmandated by Law No. 3 of 2006 concerning Amendment to Act Number 7 1989Religious Courts for Muslims in Indonesia are required to conduct the division ofinheritance based on Islamic law. Therefore, the government should create a specificlaw regarding Takaful adapted to Islamic law, in particular the Islamic inheritancelaw. Although there is no regulation regarding this Islamic insurance, Takafulcontract in accordance with Islamic law can still be made because of the law ofcontract in Indonesia on the principle of freedom of contract, the insurance companyand the customer can make an islamic life insurance contract whose contents inaccordance with sharia, This thesis discusses the conflict between determination of the beneficiaries ofislamic life insurance and the distribution of property in Islamic law of inheritance. Inthe islamic life insurance, the beneficiary of islamic life insurance compensationmoney when the insured dies has been appointed earlier and listed in the policy, whilethe provisions of Islamic inheritance declare the division of property of someone whohas died has been set up in the al-Quran and al-Hadith. This research is a normativelaw on life islamic insurance and Islamic inheritance law, and data collection toolsused in this research is through literature research.The results showed that islamic life insurance policy can be assessed as atestament. So the islamic life insurance compensation money belongs to thebeneficiaries, as long as not contrary to the provisions of a will in KHI. The legalposition of heirs who are not listed in the policy of islamic life insurance remains asan heir who has the right of inheritance so that when the policy of islamic lifeinsurance is not in accordance with the provisions of KHI, these heirs shall be entitledto compensation. With the existing provisions regarding islamic life insurance,providing insurance to beneficiaries despite another heir is the fulfillment ofachievement and not cause any legal consequences except sin in the Eyes of Allah.Provisions concerning islamic life insurance is still not in accordance with theprovisions of Islamic law. Meanwhile, inheritance is the right of Muslims who areprotected by article 29 of the Constitution of 1945. In addition, because thecompensation money islamic life insurance related to the death of a person and asmandated by Law No. 3 of 2006 concerning Amendment to Act Number 7 1989Religious Courts for Muslims in Indonesia are required to conduct the division ofinheritance based on Islamic law. Therefore, the government should create a specificlaw regarding Takaful adapted to Islamic law, in particular the Islamic inheritancelaw. Although there is no regulation regarding this Islamic insurance, Takafulcontract in accordance with Islamic law can still be made because of the law ofcontract in Indonesia on the principle of freedom of contract, the insurance companyand the customer can make an islamic life insurance contract whose contents inaccordance with sharia]"

"Skripsi ini membahas adanya asuransi bagi dokter dalam hal malpraktik medis di Indonesia. Dokter sebagai salah satu tenaga kesehatan yang melaksanakan fungsi pelayanan kesehatan, dimana dalam menjalankan tugasnya mempunyai risiko akan profesinya sebagai seorang dokter. Adanya asuransi tanggung jawab hukum profesi dokter, melindungi dokter akan adanya gugatan ganti kerugian yang diajukan oleh pasien akibat malpraktik medis. Metode penelitian yang digunakan bersifat yuridis-normatif dengan menggunakan studi pustaka serta peraturan yang berlaku.Hasil penelitian ini akan menjelaskan mengenai polis asuransi tanggung jawab hukum profesi dokter, serta penerapan asuransi tanggung jawab hukum profesi dokter di salah satu rumah sakit di Indonesia serta perlunya pengaturan kewajiban asuransi tanggung jawab hukum profesi dokter pada peraturan perundang-undangan di Indonesia.

---

This thesis describe the existence of an insurance for doctors in medical malpractice case in Indonesia. Doctor as one of the health professionals who perform the functions of health care, which in the perform of his duties at risk will be his profession as a physician. The existence of professional liability insurance, protecting the medical profession doctor for claim or lawsuit damages filed by patients due to medical malpractice. Research method used are the juridicalnormative based on studies of literature and regulations.

Results of this research will explain about legal liability insurance medical profession policy, as well as the implementation of legal liability insurance medical profession in one of the hospitals in Indonesia as well as necessity of setting liability insurance legal responsibility on medical profession and regulations in Indonesia."