Research Article
Validity Of Electronic Policies In Insurance Agreements Based On The Provisions Of The Insurance Law
@INPROCEEDINGS{10.4108/eai.11-11-2023.2351346, author={Selvi Harvia and Syafriadi Syafriadi and Rahdiansyah Rahdiansyah and M. Musa and Dwi Rafli Yusuf}, title={Validity Of Electronic Policies In Insurance Agreements Based On The Provisions Of The Insurance Law}, proceedings={Proceedings of the First International Cyber Law Conference, ICL-C 2023, 11 November 2023, Jakarta, Indonesia}, publisher={EAI}, proceedings_a={ICL-C}, year={2025}, month={5}, keywords={agreement e-policy insurance agreement}, doi={10.4108/eai.11-11-2023.2351346} }- Selvi Harvia
Syafriadi Syafriadi
Rahdiansyah Rahdiansyah
M. Musa
Dwi Rafli Yusuf
Year: 2025
Validity Of Electronic Policies In Insurance Agreements Based On The Provisions Of The Insurance Law
ICL-C
EAI
DOI: 10.4108/eai.11-11-2023.2351346
Abstract
The policy serves as documented proof of an agreement between the policyholder and the insurer. According to Article 255 of the Civil Code, a written policy is a fundamental requirement for forming an insurance agreement. Despite this, some unit-link insurance companies in Indonesia offer electronic policies. Although there is no clear legal framework for electronic policies, these companies use them as proof of agreement. To avoid future legal issues, regulations clarifying the validity of electronic policies are necessary. This study aims to analyze the validity of electronic policies in unit-link insurance agreements in Indonesia. The normative legal research method is employed, utilizing secondary data from primary, secondary, and tertiary legal sources. However, the validity of an electronic policy may be questioned under Article 1320 of the Civil Code, which requires agreements to meet specific legal requirements, including being in written form, potentially rendering electronic policies invalid.
