Hasil Pencarian  ::  Simpan CSV :: Kembali

"The rapid development of the takaful insurance is quite encouraging in enlivening the insurance business in Indonesia. In addition to a large market share, the system is also transperent and makes the consumer comfortable. Takaful system is more fair, transperent and free from elements of gambling. Therefore, people feel more secure with takaful. The development of takaful insurance is also astonishing. In addition to continued product innovations, takaful insurance companies in Indonesia also continue raise strategic alliances with similiar companies. The insurance has launched a number of opotential products for those who are aggressive in investing and has focused on organic expansion of the company. Takaful business people should continue to enhance professionalism in developing the islamic insurance market. this is so important because there is a shift in the market orientation of an emotional market towards a rational market."

"Insurance Technology atau InsurTech adalah perusahaan asuransi, perantara, atau perusahaan berbasis teknologi yang memasuki sektor asuransi, yang memanfaatkan teknologi baru untuk memberikan nilai tambah baru bagi industri serta memberikan cakupan ke basis pelanggan yang lebih cerdas secara digital. Namun, Indonesia saat ini belum memiliki pengaturan yang komprehensif mengenai penyelenggaraan InsurTech dan tanpa adanya regulasi yang menyeluruh akan berpotensi memunculkan sejumlah risiko. Dengan demikian, penulis merasa perlu dilakukan penelitian lebih lanjut dengan pokok permasalahan mengenai bagaimana eksistensi InsurTech ditinjau dari peraturan perundang-undangan di Indonesia dan bagaimana perbandingan pengaturan dan pelaksanaan InsurTech di Indonesia dan Singapura. Metode penelitian yang digunakan ialah metode yuridis-normatif dengan pendekatan komparatif. Dari penelitian ini, dapat disimpulkan bahwa pengaturan InsurTech di Indonesia saat ini masih diatur secara parsial dalam peraturan perundang-undangan yang mengatur mengenai asuransi, transaksi elektronik, maupun perlindungan konsumen. Terlebih, saat ini InsurTech di Indonesia masih didominasi oleh produk micro-insurance yang dipasarkan oleh InsurTech berbentuk aggregator maupun intermediaries. Jika dibandingkan dengan Singapura, kini InsurTech di Singapura telah berfokus pada penyempurnaan layanan dari produk yang telah ada dengan pengaturan yang telah mampu mengatasi persoalan risiko dan tantangan dari InsurTech yaitu dengan adanya peraturan khusus yang mengatur mengenai perlindungan data pribadi dan perlindungan konsumen bagi penyelenggara InsurTech. Oleh karena itu, OJK sebagai regulator memiliki urgensi untuk menerbitkan produk hukum yang spesifik dan komprehensif untuk mengatur detail penyelenggaran InsurTech di Indonesia dengan mempelajari pengaturan serta implementasi dari Singapura.

---

Insurance Technology, also known as InsurTech, is a new insurance company, intermediary, or technology-based company that enters the insurance sector and uses new technologies to provide new added value to the industry as well as coverage to a digitally smarter customer base. However, Indonesia appears to lack comprehensive arrangements for the implementation of InsurTech, which could pose a number of risks in the absence of comprehensive regulation. As a result, the author believes there is a need for additional research on how the existence of InsurTech is reviewed from the laws and regulations in Indonesia, as well as how to compare the regulation and implementation of InsurTech in Indonesia and Singapore. A juridical-normative method with a comparative approach was used for the research. According to the findings of this research, InsurTech regulations in Indonesia are currently only partially regulated by laws and regulations governing insurance, electronic transactions, and consumer protection. Furthermore, micro-insurance products marketed by InsurTech in the form of aggregators and intermediaries continue to dominate InsurTech in Indonesia. InsurTech in Singapore has now focused on improving the services of existing products with arrangements that have been able to overcome the risks and challenges of InsurTech, namely the existence of special regulations governing the protection of personal data and consumer protection for InsurTech operators. As a result, OJK, as a regulator, is under pressure to issue specific and comprehensive legal products to govern the details of InsurTech implementation in Indonesia by studying the arrangements and implementation in Singapore."