Evaluasi Klaim Santunan Asuransi Bagi Korban Kecelakaan di PT. Jasa Raharja Kota Kediri

Agustin, Cahyati Wulan (2025) Evaluasi Klaim Santunan Asuransi Bagi Korban Kecelakaan di PT. Jasa Raharja Kota Kediri. Skripsi thesis, Universitas Kadiri.

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Abstract

PT. Jasa Raharja is a state-owned enterprise (BUMN) engaged in social insurance and is responsible for providing basic financial protection to every victim of traffic accidents in Indonesia. Its main duties are regulated in Law Number 33 of 1964 concerning the Passenger Accident Compulsory Insurance Fund and Law Number 34 of 1964 concerning the Road Traffic Accident Fund. This study aims to evaluate insurance compensation claims for traffic accident victims at PT. Jasa Raharja, Kediri City, and to identify inhibiting factors in its implementation. This study uses a qualitative approach with a descriptive method. Data collection was carried out through observation, interviews, and documentation. The results of the study based on the indicators of the William N Dunn policy evaluation model, namely effectiveness, efficiency, adequacy, equity, responsiveness, and accuracy, show that the evaluation of the compensation claim policy of PT. Jasa Raharja Kota Kediri is considered successful and has been running right on target. This is supported by an integrated system (IRSMS), claim digitization, adequate compensation amounts, wide access to services to rural areas, and high responsiveness to victims. However, there are several inhibiting factors, including delays in reporting to the police, administrative constraints on identity documents, gaps in information and literacy of claim procedures, limited adaptation of digital systems, high volume of claims and workload of officers, and difficulties in validating heirs. Despite the obstacles, the implementation of this policy shows good and consistent performance in providing social protection. Keywords: Policy Evaluation, Jasa Raharja, Insurance Claims, Traffic Accidents, Public Services

Item Type:	Thesis (Skripsi)
Subjects:	H Social Sciences > H Social Sciences (General) H Social Sciences > HM Sociology
Divisions:	Fakultas Sospol > Prodi Ilmu Administrasi Publik S1
Depositing User:	Unnamed user with email rio.mahardiko@gmail.com
Date Deposited:	25 Feb 2026 04:29
Last Modified:	25 Feb 2026 04:29
URI:	http://repository.unik-kediri.ac.id/id/eprint/1063

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