Tinjauan Hukum Pelaksanaan Pencairan Klaim Asuransi Jiwa Mitra Proteksi Mandiri Pada AJB Bumiputera 1912 Kantor Cabang Sukaramai Wilayah Pekanbaru

Mitra Proteksi Mandiri is one of the products from AJB Bumiputera 1912 which is intended for customers by providing life protection as well as getting savings benefits. where the insured can make a cash value disbursement at any time if needed and can receive benefits from independent protection partner life insurance by submitting a claim. As a result of the end of the coverage period, the customer can file a claim for the right to fulfill the obligations specified in the policy. For companies that provide insurance services, they are obliged to handle claims and complaints with a fast process as stipulated in the applicable provisions. However, AJB Bumiputera as the insurer did not complete the disbursement of claim funds in accordance with the applicable provisions in Article 27 of the Decree of the Minister of Finance of the Republic of Indonesia Number 442/KMK.06/2003 concerning the Implementation of Insurance and Reinsurance Companies. The main problem in this research is how the implementation of the disbursement of life insurance claims for independent protection partners at AJB Bumiputera 1912 Sukaramai Branch Office, Pekanbaru Region and what are the obstacles experienced by customers in the process of implementing the disbursement of life insurance claims for independent protection partners at AJB Bumiputera 1912 Sukaramai Regional Branch Office Pekanbaru. The author conducts research using observational research or empirical legal research by means of a survey, namely research carried out in the field to collect the required data by using data collection tools in the form of direct interviews with related parties. While the nature of this research is descriptive, namely to obtain a complete data by providing a structured, concrete, and accurate description. The results of the research that the author obtained are for the implementation of claim disbursement, customers who will submit claims can directly go to the insurance company office to get the sum assured by filling out a claim submission form and submit supporting documents as a condition for disbursement of claims, and then the insurance company will decide whether the claim can be disbursed or not within 14 working days. But in reality, the implementation of claim disbursement has not been resolved properly and the company does not comply with the policy rules which results in the disbursement of claims not being paid. As for the implementation of claim disbursement, there are obstacles, namely incomplete documents and submission requirements, customer dishonesty, not paying premiums within a predetermined period of time, and the existence of a claim payment period that takes a long time in the insurance claim disbursement process