Mekanisme Perlindungan Konsumen Usaha Asuransi oleh Otoritas Jasa Keuangan

Pasal 4 huruf c Undang-Undang Nomor 21 Tahun 2011 tentang Otoritas Jasa Keuangan disebutkan tujuan OJK agar keseluruhan kegiatan sektor jasa keuangan mampu melindungi konsumen antara lain di bidang usaha asuransi. Aturan lainnya disebutkan dalam Pasal 51 dan Pasal 52 Peraturan OJK Nomor 1 tahun 2013 Tentang Perlindungan Konsumen Sektor Jasa Keuangan disebutkan dalam melindungi konsumen OJK melakukan pengawasan secara langsung maupun tidak langsung terhadap penerapan perlindungan konsumen yang dilakukan pelaku usaha secara berkala. OJK melindungi tertanggung apabila adanya pengaduan dengan hanya memfasilitasi penyelesaian pengaduan sebagaimana diatur dalam Pasal 39 ayat (3) POJK No.1/2013. Upaya yang dilakukan yaitu mempertemukan para pihak untuk mengkaji ulang permasalahan yang timbul atas penolakan klaim. Apabila terjadinya kesepakatan maka kesepakatan dituangkan dalam Akta Kesepakatan. Namun, para pihak dapat menyelesaikan melalui pengadilan atau Badan Mediasi dan Arbitrase Asuransi Indonesia (BMAI) jika tidak tercapainya kesepakatan. Mechanism of Insurance Consumer Protection by the Authority of Financial Services The article 4 (c) of Law No. 21 of 2011 on Financial Services Authority (UU OJK) mentioned that the purpose of Financial Services Authority (OJK) is all of activities from all sector of OJK to be able to protect the consumers and society including insurance business sector. The other regulation which is mentioned in article 51 and article 52 of the regulation of Financial Services Authority (OJK) No. 1 of 2013 on the protection for the consumer of financial service sector mentioned that in term of protecting the consumer, the financial services authority (OJK) conducts direct and indirect supervision towards the implementation of consumer protection which is done by the business actors regularly. OJK protects the insured parties if there is a complaint by only facilitating the settlement of complaints as stipulated in Article 39 paragraph (3) POJK No.1 / 2013. The effort which is conducted is that to bring the parties together to review the problems arising from the rejection of claims. If an agreement occurs, the agreement should be stated in the deed of agreement. However, the parties could do the settlement through the court or the Indonesian Insurance Mediation and Arbitration Board (BMAI) if no agreement is reached