Analysis of Consumer Protection Against Standard Contract Clauses in Credit Insurance Agreements

This study aims to analyze consumer protection against standard contract clauses in credit insurance agreements in Indonesia and their implications for credit insurance claim payment failures. The research method employed is normative juridical, with legislative, conceptual, and case approaches. The findings indicate that although regulations governing consumer protection and insurance practices exist, their implementation remains weak due to gaps in legal norms, divergence in interpretation, inadequate supervisory oversight, and an imbalance in bargaining positions between consumers and insurance companies. Standard contract clauses are often applied unfairly to the detriment of consumers, particularly in the process of submitting and settling claims. Furthermore, the available dispute resolution mechanisms have not been fully effective in providing justice and legal certainty for consumers. Therefore, this study recommends regulatory reform, strengthening supervisory institutions, a paradigm shift within the insurance industry, and improved consumer education to realize fair, effective, and sustainable legal protection in the credit insurance sector in Indonesia.