Kedudukan Dana Asuransi Jiwa dalam Relevansinya dengan Pembagian Harta Warisan

Pratama, Aji Surya; Barkatullah, Abdul Halim; Erliyani, Rahmida

doi:10.32801/lamlaj.v4i1.93

Cited by 2 publications

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“…Life insurance ownership is very important for families that depend on income, because when the policyholder (heir) dies, the insurance will pay a sum assured to the family left behind (heirs) (Pratama, Barkatullah, & Erliyani, 2019). Sum insured is compensation in the form of a sum of funds that will be given to heirs if someone as an insurance participant experiences short life or dies (Surya, 2020).…”

Section: Preliminarymentioning

confidence: 99%

The Calculation of Life Insurance Premiums with A Multiple-State Model on Critical Illness Insuranceance

Taraly,

Satyahadewi,

Perdana

2023

JMAT

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Based on data from the Basic Health Research (Riskesdas) in 2018, the risk of critical illness is increasing and is the highest cause of death for Indonesian population. Currently, the cost of treating disease is not cheap, so maintaining health and preparing for the possibility of being diagnosed with a critical illness in the future is an important step. Critical Illness insurance premiums calculation includes cancer, stroke, heart, and diabetes mellitus. The benefits provided are in the form of death compensation, treatment costs when diagnosed with a critical illness, and there are also costs for Angioplasty surgery. Angioplasty surgery is performing when the individual has a serious critical heart condition and must be performed immediately 24 hours after a heart attack. The data information is in the form of the 2019 Indonesian Mortality Table, and the prevalence of critically ill patients with angioplasty surgical conditions. The premium calculation is carriying out for the insured male aged 40 years in good health, interest rate is 3.75%, the premium payment period and the insurance coverage period is 10 years. The annual net premium value obtained is IDR 5,859,788, of which the sum insured is IDR 500,000,000. There are 3 benefits obtained by the insured: (1) The cost of compensation received for Angioplasty surgery is 25% of the sum insured; (2) The cost of treatment compensation that will be given annually until the insurance coverage period ends when the insured is diagnosed with a critical illness, which is 100% of the sum insured minus the cost of compensation in the event of Angioplasty surgery; and (3) The value of compensation for death due to any cause, which is 100% of the sum insured minus the critical illness benefit for Angioplasty surgery

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Section: Preliminarymentioning

confidence: 99%

The Calculation of Life Insurance Premiums with A Multiple-State Model on Critical Illness Insuranceance

Taraly,

Satyahadewi,

Perdana

2023

JMAT

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Jaminan Yang Setara: Mengkalibrasi Kontrak Dan Hukum Waris

Tedjosaputro

2021

JPHI

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Perkembangan dunia, banyak perusahaan asuransi bekerjasama dengan perbankan dalam penjualan kredit dengan pengambilan asuransi jiwa. Tulisan ini membahas beda asuransi jiwa dengan hibah wasiat/legaat. dan mengkalibrasi hukum kontrak dan hukum waris sebagai jaminan setara. Metode riset yuridis empiris memakai informasi sekunder selaku informasi utama serta informasi primer selaku informasi pendukung. Hasil penelitian, jaminan yang setara didapat dengan mengkalibrasi hukum kontrak dengan hukum waris sebab dasar asuransi jiwa merupakan kontrak antara pengambil asuransi ataupun pemberi manfaat dengan industri asuransi, jika pemberi manfaat wafat hingga industri asuransi wajib membagikan uang yang diperjanjikan pada penerima manfaat sebab berdasar pada polis asuransi jiwa. Ketentuan pada pewarisan dalam hukum waris bila pewaris meninggal dunia maka harta warisannya akan jatuh pada ahli waris, Bila warisannya tidak mencukupi maka dapat dilakukan inkorting atau inbreng pada legaat atau hibah yang telah diberikan dan juga memenuhi legitime portie kalau dituntut. Kesimpulan, kalau pewaris itu meninggal dunia dalam keadaan pailit dan penerima manfaat itu juga ahli waris maka kurator kepailitan tidak dapat mengambil uang yang diperjanjikan pada penerima manfaat karena yang dipakai adalah hukum perjanjian (polis) bukanlah hukum waris.

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Kedudukan Dana Asuransi Jiwa dalam Relevansinya dengan Pembagian Harta Warisan

Cited by 2 publications

References 0 publications

The Calculation of Life Insurance Premiums with A Multiple-State Model on Critical Illness Insuranceance

The Calculation of Life Insurance Premiums with A Multiple-State Model on Critical Illness Insuranceance

Jaminan Yang Setara: Mengkalibrasi Kontrak Dan Hukum Waris

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