Sit problem
A life insurance policy with benefits include: Death normal Rp. 200 million plus the value of the investment fund. Accidental loss of Rp. 200 million. 31-year coverage period begins on February 10, 2006 and ending on February 10, 2037 with the initial premium of Rp 1 million. - Per month plus the regular insurance premiums, premium and regular premium investment single investment that can be paid at any time. All premium payments must be made during the first 10 years.
Polis has been running and had stopped but the policyholder recovered (reinstated) by completing all the requirements required by the Insurer, that policy goes according to the contract initially (inforce).
At the time the policy has been running for 13 months 9 days Insured died on March 28, 2007 at home with no time to see a doctor before going but invited a doctor to ensure the death of the insured. Body was then cremated at the crematorium.
Heir demands
Heirs sue the Insurer to pay policy benefits amounted to Rp.200 million before fulfilling all requirements set claim the Insurer.
Response Insurers
Insurers refuse to pay a claim on the grounds, after the study or investigation by the Insurer is known that at the time of Application for Life Insurance pangajuan (SPAJ) the beginning or during the recovery policy has been a material misrepresentation. It is based on Article 251 to businesses and the general provisions of article 2, paragraph 3 Polis.
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