PERLINDUNGAN HUKUM BAGI TERTANGGUNG YANG TIDAK MEMENUHI KUALIFIKASI SAHNYA PERJANJIAN DALAM PENUTUPAN PERJANJIAN ASURANSI ONLINE DI INDONESIA

Online-based insurance companies have online insurance submission procedures. The problem that is always experienced by policyholders when they want to close their insurance policies is the difficulty of getting back the premiums they have paid. The objectives of the researchers in this study are: To find out and analyze the legal protection for the insured who does not meet the legal qualifications of the agreement in closing the online insurance agreement in Indonesia; and to find out and analyze the legal impact of closing an online insurance agreement for the insured if it does not meet the objective and subjective conditions for the validity of the agreement. This research is a normative legal research. The approach used in research is the law approach and conceptual approach. Research data is secondary data, namely data from library materials, including official documents, legislation, and so on. This research uses descriptive analysis which is the data obtained analyzed presented descriptively. In the analysis using deductive thinking, which concludes the results of specific research. By using this method it is expected to obtain a clear and comprehensive picture of the suitability of the conceptual foundation used in answering the main issues in this thesis. The results of the study are that the legal protection for the insured who does not meet the legal validity of the agreement in closing the online insurance agreement in Indonesia, namely the existence of a policy held by the insured. The policy is the only written evidence to prove that insurance has occurred. An insurance policy as evidence of a binding insurance agreement through an insurance agreement as evidenced by an insurance policy that has occurred such a risk transfer of life insurance or loss insurance to insurance companies. In the event that the insured intends to close the insurance agreement with those caused by not meeting the qualifications, the policy will still be compensated after deducting the fine applied by the company. Keywords: Legal Protection, Online Insurance Insure