Terdapat beberapa jenis polis yang telah memenuhi “STANDARD POLIS INTERNASIONAL”  yang sudah dipakai dalam praktek asuransi di Indonesia. Beberapa diantaranya, dalam “Pertanggungan Kebakaran” telah dikenal “Polis Bursa Rotterdam”, “Polis Fire Offices Comunitties Foreign (F.O.C). Sehubungan dengan “Pertanggungan Pengangkutan” dikenal “Polis Bursa” yang berasal dari negeri Belanda. Berbagai “Polis Maskapai” dengan memakai klausula – klausula yang dipergunakan oleh negara Inggris (Institute Cargo Clauses) dan klausula – klausula dari negara Belanda (Goederen Clausula). Lazimnya standard polis demikian memakai persyaratan – persyaratan yang berasal dari polis luar negeri, seperti “Polis Hull Insurance (Rangka Kapal)” yang berpedoman pada Joint Full Committe London.

Penggunaan “standard polis” di Indonesia, yang berisikan syarat – syarat  sesuai dengan kondisi  negara asal dari polis tersebut  ada baiknya bagi pertumbuhan iklim yang kondusif dalam konteks persaingan persaingan  perusahaan – perusahaan pertanggungan Indonesia dengan perusahaan – perusahaan pertanggungan internasional. Akan tetapi, perlu diperhatikan agar “KEPENTINGAN PIHAK TERTANGGUNG” yang notabene masyarakat Indonesia (sifatnya nasional) tidak diabaikan/dikesampingkan karena pemakaian polis atau syarat – syarat dengan standard negara luar. Sehubungan dengan hal itu, sangat penting dan relevan diadakan pengawasan serta  persetujuan oleh Pemerintah Indonesia terhadap setiap syarat – syarat atau polis – polis sebelum ditawarkan  kepada masyarakat atau umum (public), kemudian dilakukan pendaftaran polis – polis atau syarat – syarat yang diijinkan sesuai dengan hukum dan peraturan perundang – undangan yang berlaku di Indonesia.

About Author: Appe Hamonangan Hutauruk

Appe Hamonangan Hutauruk selaku Penulis tunggal pada Website: "Law Firm Appe Hamonangan Hutauruk & Associates" adalah seorang "Pegiat Penegakkan Hukum dan Hak Asasi Manusia" serta "Pemerhati Sosial Kemasyarakatan" yang berprofesi sebagai Advokat (Advocate), Konsultan Hukum (Legal Consultant) dan Dosen (lecturer) pada salah satu Universitas swasta di Jakarta, selain itu juga menduduki jabatan sebagai Ketua Umum pada Lembaga Swadaya Masyarakat (LSM) bernama "Komunitas Masyarakat Anti Korupsi dan Penggelapan Pajak (KOMAKOPEPA).


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