Health of Insurance Companies in Indonesia from a Legal Objective Perspective

Legal facts in Indonesia stipulate that there are preventive and repressive legal protection arrangements for insurance company customers. This paper aims to find and analyze whether the arrangement for handling insurance companies experiencing problems as a form of preventive legal protection for policyholders has realized the legal objectives for legal certainty. The purpose of the Law is to obtain legal certainty, which is the basis for theoretical thinking to analyze the expected findings. This research is a type of normative legal research. The data used are secondary. Data analysis uses qualitative data analysis techniques. Drawing conclusions using deductive techniques. The study results indicate that there are arrangements for handling insurance companies that are experiencing problems as a form of preventive legal protection for policyholders. These arrangements are intended so that insurance companies avoid being unable to pay the Public as insurance customers. The arrangement containing a health plan aims to restore the insurance company's health so that it can guarantee good solvency. It is by what Hans Kelsen said that the Law determines specific regulations and lays down norms for actions that people must follow. The purpose of the Law is to provide legal certainty for insurance companies to carry out their activities.