TANGGUNG JAWAB BANK TERHADAP KERUGIAN NASABAH BANCASSURANCE MODEL INTEGRASI PRODUK DIHUBUNGKAN DENGAN PERLINDUNGAN KONSUMEN
| Main Author: | Halomoan Pandiangan, Albert |
|---|---|
| Format: | Thesis NonPeerReviewed Book |
| Bahasa: | ind |
| Terbitan: |
, 2016
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| Subjects: | |
| Online Access: |
https://eprints.untirta.ac.id/10749/1/ANGGUNG%20JAWAB%20BANK%20TERHADAP%20KERUGIAN%20NASABAH.pdf https://eprints.untirta.ac.id/10749/ |
Daftar Isi:
- Bancassurance is a legal activity arising from the cooperation agreement between insurance companies with banks in which the banks agreed to act as partners in order to market a wide range of insurance products in the market range owned by the bank. Bancassurance can be used for a variety of investment objectives, for example to fund education, savings or retirement funds. The level of understanding of the community on bancassurance is still lacking, because some people considered bancassurance is insurance products issued by banks. Though bancassurance is an insurance product developed and distributed through a network of banks. This research aims to determine the responsibility of the bank for losses in the form of bancassurance products product integration and the efforts made by the Bank in the event of dispute resulting bancassurance products linked to consumer protection. The results of this research are the bank is legally not replace insurance company as insurer in the bancassurance, so it is not responsible for the the claims of the insured. Insurance is not a product marketed and responsibility Bank and is not included in the guarantee program referred to in the statutory provisions regarding the deposit insurance agency. Bank is only liable responsible for up to offer insurance products, while the underwriting process, publishing policy, policy changes, claims and other actions related to insurance products remains to be implemented and are the responsibility of the insurance company's bank partners. Effort settlement of disputes between businesses in the Bank's bancassurance products and customers can be resolved by way of negotiation, konsoliasi, mediation and arbitration, as provided in Law No. 30 of 1999 on Arbitration and Alternative Settlement Dispute through the courts. Bank Indonesia also issued Regulation No. 8/5 / PBI / 2006 as amended by Regulation No. 10/1 / PBI / 2008 on Banking Mediation, Article 1 (5) PBI No. 8/5 / PBI / 2006, stating that mediation is a dispute resolution process involving a mediator to assist the parties to the dispute to reach a settlement in the form of a voluntary agreement on some or all issues disputed.