SUBMISSION FOR PERSONAL ACCIDENT INSURANCE CLAIM IN AJB BUMIPUTERA 1912 BRANCH PADANG

Abstract

Article 23 paragraph (1) Government Regulation Number 73 of 1992 concerning Insurance Business which states that an Insurance or Reinsurance Company is prohibited from taking any action that could delay the settlement or payment of claims. However, in practice at AJB Bumiputera, especially for personal accident insurance there is a claim payment of more than 5 months. Formulation of the problem: 1) How is the realization of filing personal accident insurance claims at the company AJB Bumiputera 1912 Padang Branch? 2) What are the obstacles faced in filing a personal accident insurance claim at the AJB Bumiputera 1912 Padang branch company and how are the parties' efforts in resolving them? This study uses a sociological juridical approach to obtain primary data. The data were analyzed qualitatively. Conclusion: 1) From 2017 to 2019 there were 20 claims received by insurance companies. Of the 20 claims, only 11 claims can be realized in 1 to 2 months, 4 claims have only been realized 3 to 4 months, even 5 claims have only been realized in 5 to 6 months. 2) Obstacles in submitting claims, namely incomplete documents and data discrepancies, expired claims. The solution is to give the insured the opportunity to complete the requirements, extend the time, ask for a lost / damaged certificate from the police if there is a damaged / missing requirement.