Characteristics of Professional Liability Insurance for Doctors in Indonesia
Abstract
Regulation of the Minister of Health of the Republic of Indonesia Number 755/MENKES/PER/IV/2011 concerning the Organization of Medical Committees in Hospitals in the section on credential mechanisms and granting of clinical authority for medical personnel in Hospitals in number 12 point D states that: "Doctors have Professional Indemnity Insurance ."This provision creates an obligation for hospitals or doctors to have professional liability insurance for doctors to protect their profession. This study aimed to determine the characteristics of professional liability insurance for doctors. The method used in this study is normative juridical with a statutory approach and a conceptual approach. This study indicates that professional liability insurance for doctors is included in loss insurance because what is insured is the risk of compensation for the doctor's profession carried out by the doctor in carrying out his profession. At the same time, the doctor's medical risk is not covered according to what is regulated in the policy. In addition, the characteristics of professional liability insurance for doctors are also related to the grouping of the level of risk of medical negligence in each classification of doctors. This group determines the premium and compensation paid to the doctor as compensation to the patient. Doctors use insurance claims to compensate patients if the doctor commits medical negligence and other costs.
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Yadukul, S., K. Vinayaka Prasanna, S. Venkataraghava, and P. K. Devadass. “Medical Indemnity Insurance.” Journal of South India Medicolegal Association 3, no. 1 (2011): 1–42.
Anh, Nguyen Thi Bao. “Medical Malpractice Liability Insurance: Comparision of Vietnam to Some European Countries.” Can Tho University Journal of Science 12, no. 3 (November 2020): 73–79. https://doi.org/10.22144/ctu.jen.2020.026.
Anwar, Arman. “Tanggung Gugat Resiko Dalam Aspek Hukum Kesehatan.” SASI 23, no. 2 (April 2018): 149–60. https://doi.org/10.47268/sasi.v23i2.105.
Budiastuti, Dian Kristanti, Ardiansah Ardiansah, and Yeni Triana. “Tanggung Jawab Dokter Gigi Atas Kelalaian Terhadap Pasien.” Law, Development and Justice Review 5, no. 1 (May 2022): 115–27. https://doi.org/10.14710/ldjr.v5i1.16213.
Chumaida, Zahry Vandawati, Fiska Silvia Raden Roro, and Trisadini Prasastinah Usanti. “Prudential Principle in Professional Indemnity Insurance of Nurses.” Malaysian Journal of Medicine and Health Sciences 19, no. 9 (2023): 106–12.
Danzon, Patricia M. “Liability and Liability Insurance for Medical Malpractice.” Journal of Health Economics 4, no. 4 (December 1985): 309–31. https://doi.org/10.1016/0167-6296(85)90011-6.
Danzon, Patricia M. “Liability for Medical Malpractice.” Journal of Economic Perspectives 5, no. 3 (August 1991): 51–69. https://doi.org/10.1257/jep.5.3.51.
Fitrianti, Mia Yulia, and Elisatris Gultom. “Legal Protection Prospects toward General Practitioners in the Medical Specialist Study Program (PPDS) on Health Services through Third Party Insurance Institutions (Futuristic Review).” Nurani Hukum 5, no. 1 (July 2022): 44. https://doi.org/10.51825/nhk.v5i1.14776.
Huda, Mokhamad Khoirul. Hukum Asuransi Jiwa: Masalah-Masalah Aktual Di Era Disrupsi 4.0. Edited by Dita Birahayu. Scopindo Media Pustaka, 2020.
———. Prinsip Itikad Baik Dalam Perjanjian Asuransi Jiwa. I. Yogyakarta: FH UII Press, 2016.
Jauhari, Muhammad Fikri. “Urgensi Asuransi Profesi Dalam Perkembangan Bisnis Di Indonesia.” Fairness and Justice: Jurnal Ilmiah Ilmu Hukum 17, no. 1 (May 25, 2019): 57. https://doi.org/10.32528/faj.v17i1.2213.
Mahdi, Feryal Salih. “Insurance From Medical Civil Liability: A Comparative Study.” Asian Journal of Management and Commerce 5, no. 2 (2024): 231–35.
Marzuki, Peter Mahmud. Penelitian Hukum Normatif. Jakarta: Kencana Prenada Media Group, 2017.
Muhammad, Abdul Kadir. Hukum Asuransi Indonesia. Bandung: Citra Aditya Bakti, 2006.
Noor, Felasufa, and Anggraeni Endah Kusumaningrum. “Tanggungjawab Asuransi Profesi Dokter Terhadap Malpraktik Yang Dilakukan Oleh Dokter Bedah.” Jurnal Juristic 4, no. 2 (December 2023): 126–36. https://doi.org/10.56444/jrs.v4i02.4262.
Pelle, Livia V. “Peranan Etika Profesi Hukum Terhadap Upaya Penegakan Hukum Di Indonesia.” Lex Crimen 1, no. 3 (2012): 23–37.
Piţuru, Silviu, Simona Vlădăreanu, Silviu Păun, and Andrei Nanu. “Malpractice and Professional Liability of Medical Personnel.” Farmacia 63, no. 2 (2015): 318–24.
Prodjodikoro, Wiryono. Hukum Asuransi Di Indonesia. 5th ed. Jakarta: Jakarta Intermasa, 1979.
Putri, Ni Putu Ayu Myra Gerhana. “Asas Proporsionalitas Dalam Pembayaran Ganti Rugi Melalui Asuransi Dalam Kasus Malpraktik Dokter.” Jurnal Magister Hukum Udayan, 2013.
Putri, Prima Maharani, and Gregorius Yoga Panji Asmara. “Asuransi Proteksi Medis (Professional Indemnity Insurance) Sebagai Pengalihan Tanggung Gugat Dalam Sengketa Medis Dokter-Pasien.” Kosmik Hukum 22, no. 3 (September 29, 2022): 195. https://doi.org/10.30595/kosmikhukum.v22i3.15645.
Rafika, Raina. “Penyelesaian Sengketa Asuransi Melalui Lembaga Alternatif Penyelesaian Sengketa Sektor Jasa Keuangan.” SALAM: Jurnal Sosial Dan Budaya Syar-I, 2022. https://doi.org/10.15408/sjsbs.v9i4.26601.
Rastuti, Tuti. Aspek Hukum Perjanjian Asuransi. Media Pressindo, 2016.
Sastrawidjaja, Man Suparman. Aspek-Aspek Hukum Asuransi Dan Surat Berharga. Bandung: Alumni, 2003.
Setiawan, Ebta. “Kamus Besar Bahasa Indonesia (KBBI) Kamus Versi Online/Daring (Dalam Jaringan).” Badan Pembinaan dan Pengembangan Bahasa, 2021.
Sinaga, Niru Anita. “Penyelesaian Sengketa Medis Di Indonesia.” Jurnal Ilmiah Hukum Dirgantara 11, no. 2 (2021): 1–22.
Tsai, Wen‐Chen, Pei‐Tseng Kung, and Yi‐Ju Chiang. “Relationship Between Malpractice Claims and Medical Care Quality.” International Journal of Health Care Quality Assurance 17, no. 7 (December 2004): 394–400. https://doi.org/10.1108/09526860410563203.
Ulinihayati, Ni’ma, and Yunus Husein. “Penyelesaian Sengketa Perasuransian Melalui Lembaga Alternatif Penyelesaian Sengketa Sektor Jasa Keuangan (LAPS SJK).” Masalah-Masalah Hukum 51, no. 3 (July 2022): 209–21. https://doi.org/10.14710/mmh.51.3.2022.209-221.
Utama, Nanda. “Asuransi Profesi Sebagai Perlindungan Terhadap Dokter Dalam Tindakan Medis.” Jurnal Ilmu Hukum, Humaniora Dan Politik 4, no. 3 (April 12, 2024): 343–50. https://doi.org/10.38035/jihhp.v4i3.1932.
Wahyudi, Setya. “Tanggung Jawab Rumah Sakit Terhadap Kerugian Akibat Kelalaian Tenaga Kesehatan Dan Implikasinya.” Jurnal Dinamika Hukum 11, no. 3 (September 2011). https://doi.org/10.20884/1.jdh.2011.11.3.178.
Wenur, Andreas. “Tanggung Gugat Tenaga Medis Terhadap Pasien Dalam Transaksi Teraupetikar.” Lex et Societatis 4, no. 2 (2016): 139–48. https://doi.org/https://doi.org/10.35796/les.v4i2.11208.
Widjaya, Christine Elisia, Dinar Kripsiaji, and Zahry Vandawati Chumaida. “Karakteristik Perjanjian Asuransi Tanggung Gugat Profesi Dokter Terhadap Klaim Malapraktik Medis.” Media Iuris 6, no. 1 (February 28, 2023): 43–60. https://doi.org/10.20473/mi.v6i1.37260.
Yadukul, S., K. Vinayaka Prasanna, S. Venkataraghava, and P. K. Devadass. “Medical Indemnity Insurance.” Journal of South India Medicolegal Association 3, no. 1 (2011): 1–42.
Published
2025-03-24
How to Cite
SETIAWAN, I Putu Gde Budhi; HUDA, Mokhamad Khoirul.
Characteristics of Professional Liability Insurance for Doctors in Indonesia.
Jurnal Dinamika Hukum, [S.l.], v. 25, n. 1, p. 25-44, mar. 2025.
ISSN 2407-6562.
Available at: <https://jos.unsoed.ac.id/index.php/jdh/article/view/15465>. Date accessed: 03 apr. 2025.
doi: https://doi.org/10.20884/1.jdh.2025.25.1.15465.
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