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Peraturan Pendahulu

Peraturan ini mencabut:

Peraturan Otoritas Jasa Keuangan Nomor 67/POJK.05/2016 tentang Perizinan Usaha dan Kelembagaan Perusahaan Asuransi, Perusahaan Asuransi Syariah, Perusahaan Reasuransi, dan Perusahaan Reasuransi Syariah (ketentuan Pasal 17 sampai dengan Pasal 27 dicabut dan dinyatakan tidak berlaku pada saat Peraturan Otoritas Jasa Keuangan Nomor 11 Tahun 2023 mulai berlaku).

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Isi Kebijakan

Latar Belakang dan Tujuan: Peraturan ini diterbitkan untuk melaksanakan amanat Pasal 87 ayat (3) Undang‑Undang Nomor 40 Tahun 2014 sebagaimana telah diubah, serta untuk memperkuat ketahanan dan daya saing industri perasuransian, menciptakan operasional yang lebih efektif dan efisien, memperkuat investasi pada teknologi dan sumber daya manusia, dan melindungi kepentingan pemegang polis dan peserta.

Ketentuan Substansial: Peraturan mewajibkan Pemisahan Unit Syariah jika persyaratan tertentu terpenuhi atau atas permintaan/perintah Otoritas Jasa Keuangan (OJK) dalam rangka konsolidasi. Bentuk Pemisahan meliputi pendirian Perusahaan Asuransi Syariah/Perusahaan Reasuransi Syariah baru disertai pengalihan portofolio, atau pengalihan seluruh portofolio Unit Syariah kepada perusahaan syariah yang telah berizin. Pengalihan portofolio wajib mencakup seluruh hak dan kewajiban Unit Syariah serta dana tabarru', dana investasi peserta, penyisihan ujrah minimal, dan qardh bila diperlukan. Kriteria kewajiban Pemisahan mencakup pencapaian minimal 50% nilai dana tabarru' dan dana investasi peserta dari total dana induk serta ekuitas minimum Unit Syariah (Rp100.000.000.000 untuk Unit Syariah Perusahaan Asuransi dan Rp200.000.000.000 untuk Unit Syariah Perusahaan Reasuransi) berdasarkan laporan keuangan tahunan diaudit. Peraturan mengatur kewajiban pemberitahuan, pengumuman, persetujuan OJK untuk pengalihan portofolio, kewajiban memperoleh izin usaha sebelum beroperasi, larangan penggunaan laba Unit Syariah selain untuk peningkatan ekuitas, serta pengecualian persyaratan modal disetor minimum bagi pihak yang melakukan Pemisahan sesuai ketentuan OJK terkait perizinan dan kelembagaan.

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Permohonan persetujuan Pemisahan Unit Syariah yang telah diterima Otoritas Jasa Keuangan sebelum Peraturan ini diundangkan diproses sesuai dengan Peraturan Otoritas Jasa Keuangan mengenai perizinan usaha dan kelembagaan perusahaan asuransi dan reasuransi.
Perusahaan Asuransi dan Perusahaan Reasuransi yang telah mengajukan permohonan Pemisahan Unit Syariah sebelum Peraturan ini diundangkan namun belum memenuhi ketentuan Pasal 4 ayat (2) dapat mengajukan permohonan pembatalan Pemisahan Unit Syariah.

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Pelanggaran terhadap ketentuan terkait Pemisahan Unit Syariah dikenai sanksi administratif berupa peringatan tertulis dan/atau penurunan tingkat kesehatan.
Sanksi administratif tambahan berupa denda: Rp50.000.000 untuk keterlambatan penyampaian perubahan rencana kerja (Pasal 9); Rp100.000.000 untuk pelanggaran pengalihan portofolio tanpa persetujuan (Pasal 10 ayat (5) dan (6)); dan denda administratif sebesar Rp500.000 per hari keterlambatan pelaporan sampai paling banyak Rp100.000.000 (Pasal 10 ayat (9)).
Pelanggaran yang telah diperbaiki dapat mengakibatkan peringatan tertulis berakhir; OJK berwenang mencabut peringatan dan melakukan penilaian kembali terhadap pihak utama jika kewajiban tidak dipenuhi.

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FINANCIAL SERVICES AUTHORITY
REPUBLIC OF INDONESIA

COPY
REGULATION OF THE FINANCIAL SERVICES AUTHORITY
REPUBLIC OF INDONESIA

NUMBER 11 YEAR 2023

CONCERNING

SEPARATION OF SHARIA UNIT OF INSURANCE COMPANIES AND
REINSURANCE COMPANIES

BY THE GRACE OF GOD ALMIGHTY

BOARD OF COMMISSIONERS OF THE FINANCIAL SERVICES AUTHORITY,

\n\n\n \n \n \n \n \n \n \n

Considering:

that to implement the provisions of Article 87 paragraph (3) of Law Number 40 Year 2014 concerning Insurance as amended by Law Number 4 Year 2023 concerning Development and Strengthening of the Financial Sector, it is necessary to stipulate a Regulation of the Financial Services Authority concerning the Separation of Sharia Unit of Insurance Companies and Reinsurance Companies;

Referring to:

Law Number 21 Year 2011 concerning the Financial Services Authority (State Gazette of the Republic of Indonesia Year 2011 Number 111, Supplement to the State Gazette of the Republic of Indonesia Number 5253) as amended by Law Number 4 Year 2023 concerning Development and Strengthening of the Financial Sector (State Gazette of the Republic of Indonesia Year 2023 Number 4, Supplement to the State Gazette of

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