Development E-Insurance Based on the Provisions of the Insurance Policy for the Certainty of Evidentiary Civil Procedural Law in Indonesia

  • Lukman Ilman Nurhakim Universitas Islam Bandung, Indonesia
  • Erni Rohaini Universitas Islam Bandung, Indonesia
  • Toto Tohir Suriatmadja Universitas Islam Bandung, Indonesia
Keywords: Evidentiary Law, E-Insurance, Insurance Policy Agreement.


The development of E-Insurance in its match was a development of the Electronic Insurance Policy Agreement or Jo. E-Polis. The insurance agreement or written policy as stipulated by OJK Regulation on Insurance Products and Insurance Product Marketing as an rationing of the Code of Commercial as a special norm of the understanding of Insurance Policy. Unlike the Electronic Insurance Policy Agreement or E-Polis was accommodated by OJK Regulation on Insurance in 2015, E-Insurance developed as a result of insurance needs for electronic or e-commerce trading transactions that do not yet had special arrangements. This was because in E-Insurance, the business’ person did not make hardcopy either the Insurance Policy Agreement or the policy agreement to be further conveyed to the customer or the insured. Furthermore, the Evidentiary Power E-Insurance in the Civil Procedural Law could not be equated: as a means of proof of letter because the parties in the proof cannot show the original (hardcopy). At least judges under Article 10 of the Court of Justice Power Act could categorize E-Insurance as a means of proof of guessing, because the parties in the evidence could not show the original (hardcopy). Thus, a law-level rule was required a law that can accommodate E-Insurance related to proof of civil justice.


Ali, A., & Heryani, W. (2013), Principles of Civil Evidentiary Law. Jakarta: Kencana.

Badan Mediasi dan Arbitrase Asuransi Indonesia. (2016). 10 Years of Forward Work and Governance. Jakarta: LP3i.

Darmawi, H. (2004). Insurance Management. Jakarta: Bumi Aksara.

Elsa Catriana, E. (2020). Looking at The Development of E- Commerce Insurance Products Transactions. Retrieved from:

Fakhriah, E. L. (2013). Small Claims Court Mechanism in Realizing Simple, Fast, and Light Cost Justice. Mimbar Hukum Volume, 25(2).

Iksandar, M., & Agustina, A. (2019). Application of Simple, Fast and Light Cost Judicial Principles in The Simulation of Divorce and Joint Property. Jurnal Hukum Keluarga dann Hukum Islam, 3(1).

Mertokusumo, S. (2013). Indonesian Civil Event Law revised edition. Yogyakarta: Cahaya Atma Pustaka.

Meshkat, L., Farkhondehnia, F., Bagheri, Z., Alihoseini, O., Sanayeimatak, S., Esmaeili, M., ... & Masaratbakhsh, M. (2012). Electronic insurance and its application in e–commerce. Interdisciplinary Journal of contemporary research in business, 4(8), 640-647.

Pahuja, A., & Saloni Chitkara, S. (2016). Perceptual exploration of Factors and Issues Affecting Adopting of E-Insurance. Case Stuies in Business and Management, 3(1).

Sayekti, I. M. S. (2019). Digital Insurance Era in Indonesia. Retrieved from: (2020). Menilik Tren Perkembangan E-Commerce Indonesia di 2020. Retrieved from:

Suparman, E. (2012). Dispute Resolution in Business Law, Business Law Compilation Book. Bandung: Keni.

Tanya, B. L. (2010) Law Theory of Human Order Strategy Across Space and Generation, Yogyakarta: Genta Publishing.

Utomo, D. T. B. (2010). Dispute Resolution of Internet Trading Transactions (E-Commerce). Hukum dan Dinamika Masyarakat, 7(2).

van Rhee, C. H. Evidence in Civil Law – Netherlands. Retrieved from:>

Windarto. (2020). Insurance protects financial plans. Retrieved from:

How to Cite
Nurhakim, L. I., Rohaini, E., & Suriatmadja, T. T. (2022). Development E-Insurance Based on the Provisions of the Insurance Policy for the Certainty of Evidentiary Civil Procedural Law in Indonesia. International Journal of Science and Society, 4(1), 71-83.