Implementation of Insurance Policy Guarantee To Protect Insured

The purpose of writing to review and analyze the regulation of the implementation of policy guarantee program referred to Article 53 of Law No. 40 of 2014 on Insurance.This legal research tends to research on legal principles and positive law. Positive law used to analyze the protection to policyholders with the establishment of a policy guarantee program as mandated in the Law of the Republic of Indonesia Number 40 of 2014 About Insurance. This research uses qualitative analysis, which is studying, explaining deeply and comprehensively and interrelated with each other and evaluating the material of law, as the elaboration of the implementation of policy guarantee institutional arrangement to protect the insured. Establishment of an institution which poured in a legislation, beforehand should pay attention to the principle of formulation of regulation, because the law can function optimally as one of the instrument of state of law highly depend on the politics of legislation of a country. The criteria for the establishment of a policy guarantee program that will be set forth in a law temporarily compiled by lawmakers should continue to pay attention to the theories and principles of law applicable so that the implementation of the policy guarantee will not favor the parties who always benefit the company so that, The guarantee of legal certainty expected by the insured as the policyholder can be achieved. Keywords: Guarantee, Insurance Policy, Insured