ANALISA HUKUM ATAS PENOLAKAN KLAIM ASURANSI KESEHATAN DALAM KASUS ANTARA HANDOYO DENGAN PERUSAHAAN ASURANSI ALLIANZ

This research was intended to review and analyze the claim refusal by PT Alianz to Handoyo which is legally justified, it was also intended to analyze the remedy done by Handoyo to get the claim for his loss. Based on this research conclusions, claim refusal by PT Allianz which is filled by Handoyo was not justified by law, because PT Allianz doesn't admit the related insurance policy. In has been clearly stated in the substance of the related insurance policy that the loss was guaranteed by the insurance company. It means that non disclosure of facts was included a loss that is guaranteed by the insurance as stated in the insurance policy, and therefore PT Allianz can't use it as a basis to deny the insured claim. Secondly, Handoyo's remedy was to peacefully resolve the issue of the claim refusal by PT Allianz, because PT Allianz can not unilaterally did the policy cancellation, because it has been tied to an insurance agreement with Handoyo and the agreement meets the terms and conditions of insurance agreements, besides, Handoyo also imposes the PT Allianz to pay the insurance claims along with the cost replacement, damages and interest.