Prosedur Administrasi Pembayaran Klaim Asuransi Kendaraan Bermotor Pada PT. Federal International Finance (FIF group) Cabang Subang
Authors: Muhammad Aziz , Simanjuntak Defi 
Published: February 2024

Abstrak

Asuransi kendaraan bermotor merupakan jenis asuransi khusus yang dapat melindungi kendaraan dari kejadian yang tidak dinginkan. PT. Federal International Finance (FIFGROUP) Cabang Subang bergerak di bisnis layanan pembiayaan salah satunya dengan nama merek FIFASTRA. FIFASTRA merupakan Jasa layanan pembiayaan sepeda motor honda baik motor baru maupun bekas berkualitas. PT. Federal International Finance (FIFGROUP) Cabang Subang pun memberikan asuransi kendaraan bermotor khususnya Sepeda Motor Honda agar konsumen terbebas dari rasa khawatir. Namun pada saat konsumen melakukan pengajuan klaim pada PT. Federal International Finance (FIFGROUP) Cabang Subang masih terdapat fenomena masalah yang terjadi yaitu petugas asuransi masih menghadapi beberapa kendala dikarenakan banyak konsumen yang kurang mengerti beberapa hal yang perlu disiapkan dalam pengajuan klaim asuransi. Tujuan dari Penelitian ini untuk mengetahui bagaimana prosedur administrasi pembayaran klaim asuransi.

Metode yang digunakan yaitu metode deskriptif, sedangkan Teknik yang digunakan dalam memperoleh data informasi yaitu dikumpulkan dengan metode pengumpulan data diantaranya observasi, wawancara, dokumentasi dan riset perpustakaan.

Hasil penelitian menunjukkan bahwa prosedur administrasi pembayaran klaim asuransi kendaraan bermotor masih terdapat fenomena masalah, yaitu petugas asuransi masih menghadapi beberapa kendala dikarenakan banyak konsumen yang kurang mengerti hal apa saja yang perlu disiapkan dalam pengajuan klaim asuransi kendaraan bermotor, sehingga menyebabkan adanya penundaan klaim. Serta pada saat melanjutkan proses pembayaran klaim pada PT. Fideral International Finance (FIFGROUP) Cabang Subang terjadi masalah pada bagian Finance Coordinator yang disebabkan oleh jaringan yang kurang baik. Maka dengan itu petugas asuransi diharapkan mampu menjelsakan lebih jelas lagi kepada konsumen sampai konsumen benar-benar mengerti apa saja yang perlu dipersiapkan untuk klaim asuransi. Serta PT. Fideral International Finance (FIFGROUP) Cabang Subang sebaiknya memiliki jaringan yang baik agar tidak menghambat kinerja karyawan.

Kata kunci: Prosedur, Pembayaran Klaim Asuransi Kendaraan Bermotor

 

 

Abstract

Motor vehicle insurance is a special type of insurance that can protect vehicles from unwanted events. PT. Federal International Finance (FIFGROUP) Subang Branch is engaged in the financing services business, one of which is under the brand name FIFASTRA. FIFASTRA is a quality Honda motorcycle financing service, both new and used motorcycles. PT. Federal International Finance (FIFGROUP) Subang Branch also provides motor vehicle insurance, especially Honda motorcycles, so that consumers are free from worry. However, when consumers submit claims to PT. The Federal International Finance (FIFGROUP) Subang Branch still has a problem phenomenon that occurs, namely insurance officers are still facing several obstacles because many consumers do not understand a number of things that need to be prepared in submitting insurance claims. The purpose of this study is to find out how the administrative procedures for paying insurance claims are.

The method used is descriptive method, while the technique used in obtaining information data is collected by data collection methods including observation, interviews, documentation and library research.

The results showed that the administrative procedure for paying motor vehicle insurance claims still had a problem phenomenon, namely insurance officers still faced several obstacles because many consumers did not understand what things needed to be prepared in filing motor vehicle insurance claims, causing delays in claims. And when continuing the claim payment process at PT. Fideral International Finance (FIFGROUP) Subang Branch had a problem with the Finance Coordinator caused by a poor network. So with that the insurance officer is expected to be able to explain more clearly to the consumer until the consumer really understands what needs to be prepared for an insurance claim. As well as PT. Fideral International Finance (FIFGROUP) Subang Branch should have a good network so as not to hinder employee performance.

Keywords:  Procedure, Payment of Motor Vehicle Insurance Claims