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20251230_LIFE_Tanggapan atas Permintaan Penjelasan Bursa_32015897_lamp1.pdf
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Jakarta, 29 Desember 2025 /Jakarta, 29th December 2025
Nomor/Number: 83/MSL-CSEC/XII/2025
Kepada Yth/To:
Ibu Mita Dwijayanti
PH Kepala Divisi PP3
PT Bursa Efek Indonesia
Indonesia Stock Exchange Building Tower I lantai 6
Jl. Jend Sudirman Kav. 52 – 53
Jakarta 12910
Perihal: Tanggapan atas Permintaan Penjelasan Bursa
Subject: Response to the IDX Explanation Request
Dengan hormat,
Dear Madam,
Sehubungan dengan surat IDX No. S-14570/BEI.PP3/12-2025 tanggal 24 Desember 2025 perihal Permintaan
Penjelasan Bursa yang diterima oleh Perusahaan pada hari kerja berikutnya yakni di tanggal 29 Desember
2025, dengan ini Perusahaan menyampaikan tanggapan terhadap surat tersebut, sebagai berikut:
In connection with IDX letter No. S-14570/BEI.PP3/12-2025 dated 24th December 2025 regarding the Exchange's
Request for Explanation received by the Company on the following business day, 29th December 2025, the
Company hereby submits a response to the letter, as follows:
Berdasarkan pemantauan Bursa terkait dengan perkara Wanprestasi yang tercatat pada Sistem Informasi
Penelusuran Perkara Pengadilan Negeri Jakarta Selatan dengan nomor perkara 1474/Pdt.G/2025/PN
JKT.SEL. Atas hal tersebut agar dijelaskan:
Based on the IDX monitoring of the Default case recorded in the South Jakarta District Court's Case Tracking
Information System under case number 1474/Pdt.G/2025/PN JKT.SEL, the following clarifications are
required:
No Pertanyaan Tanggapan
Question Response
1 Hubungan Perseroan dengan pihak Helen Hubungan antara Perseroan dan Ibu Helen
The Company's relationship with Helen adalah hubungan kontrak asuransi jiwa dimana
Perseroan bertindak sebagai Penanggung dan
Ibu Helen bertindak sebagai Pemegang Polis
sekaligus Tertanggung dalam produk asuransi
SMiLe MEDIKA ULTIMAX – SILVER A.
The relationship between the Company and Ms.
Helen is a life insurance contract relationship
where the Company acts as the Insurer and Ms.
Helen acts as the Policyholder and Insured in the
SMiLe MEDIKA ULTIMAX – SILVER A insurance
product.
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2 Kronologi dari hubungan Perseroan dengan 1. Ibu Helen dengan Polis No.
pihak Helen 37.234.2023.14688 merupakan nasabah
Chronology of the Company's relationship with Perseroan yang memiliki produk SMiLe
Helen MEDIKA ULTIMAX – SILVER A yang efektif
pada tanggal 24 Desember 2023.
2. Pada tanggal 2 Juli 2024, Ibu Helen
mengajukan klaim kepada Perseroan
untuk pengobatan kanker paru-paru.
3. Berhubung usia polis masih dalam masa
ketentuan yang dapat disanggah
(contestable period), Perseroan melakukan
investigasi ke Rumah Sakit Theresia dan
menemukan bahwa Ibu Helen pernah
mendapatkan diagnosis dengan chest pain
dan hipertensi di tahun 2019 dan 2022
sebelum polis asuransi efektif berlaku
(pre-existing condition).
4. Adapun diagnosis chest pain dan
hipertensi ini tidak pernah dinyatakan
sebelumnya oleh Ibu Helen pada saat
pengajuan asuransi jiwa dalam dokumen
Surat Pengajuan Asuransi Jiwa (SPAJ).
5. Dengan ditemukan pre-existing condition
yang tidak disampaikan oleh Ibu Helen
pada SPAJ, maka berdasarkan ketentuan
Polis Asuransi, klaim yang diajukan Ibu
Helen ditolak dan polis dinyatakan batal.
1. Ms. Helen, with Policy No.
37.234.2023.14688, is a customer of the
Company who owns the SMiLe MEDIKA
ULTIMAX – SILVER A product, effective as of
24th December 2023.
2. On 2nd July 2024, Ms. Helen submitted a
claim to the Company for lung cancer
treatment.
3. Since the policy was still within the
contestable period, the Company conducted
an investigation at Theresia Hospital and
discovered that Ms. Helen had been
diagnosed with chest pain and hypertension
in 2019 and 2022 before her policy was
effective (pre-existing conditions).
4. Ms. Helen had not previously stated these
diagnoses of chest pain and hypertension
when applying for life insurance in the Life
Insurance Application Form (SPAJ).
5. Due to the discovery of pre-existing
conditions that Ms. Helen did not disclose in
the SPAJ, based on the provisions of the
Insurance Policy, Ms. Helen's claim was
rejected and the policy was declared void.
3 Penyebab dan latar belakang Perseroan digugat Gugatan diajukan oleh Ibu Helen (Penggugat)
wanprestasi oleh pihak Helen kepada Perseroan karena adanya penolakan
The reasons and background of the Company Perseroan atas penggantian kerugian yang
being sued for breach of contract by Helen dialami oleh Penggugat akibat biaya rawat
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inap yang dibayarkan oleh Penggugat.
The lawsuit was filed by Ms. Helen (Plaintiff)
against the Company due to the Company's
refusal to compensate for the losses suffered by
the Plaintiff due to the hospitalization costs
paid by the Plaintiff.
4 Materialitas atas keberlangsungan atau kinerja Gugatan yang diajukan kepada Perusahaan
Perseroan dengan gugatan tersebut tidak berdampak material terhadap
Materiality regarding the Company's business keberlangsungan atau kinerja Perseroan.
continuity or performance with the lawsuit The lawsuit against the Company has no
material impact on the Company's business
continuity or performance.
5 Dampak terhadap kelangsungan usaha Gugatan yang diajukan kepada Perusahaan
Perseroan tidak berdampak material terhadap
Impact on the Company's business sustainability kelangsungan usaha Perseroan.
The lawsuit against the Company has no
material impact on the Company's business
sustainability.
6 Dampak terhadap permasalahan hukum Perseroan berpendapat bahwa tidak ada
Perseroan dampak material atas gugatan terhadap
Impact on the Company's legal matters permasalahan hukum Perseroan.
The Company is of the opinion that there is no
material impact of the lawsuit on the Company's
legal matters.
7 Dampak terhadap kegiatan operasional Gugatan yang diajukan kepada Perusahaan
Perseroan tidak berdampak material terhadap kegiatan
Impact on the Company's operational activities operasional Perseroan.
The lawsuit filed against the Company does not
have a material impact on the Company's
operational activities
8 Dampak terhadap kondisi keuangan Perseroan Gugatan yang diajukan kepada Perusahaan
Impact on the Company's financial condition tidak berdampak atau berpengaruh secara
material terhadap kondisi keuangan
Perseroan.
The lawsuit filed against the Company does not
have a material impact or influence on the
Company's financial condition.
9 Dampak lainnya (jika ada) Perseroan berpendapat tidak ada dampak
Other impact (if any) lainnya atas gugatan yang diajukan kepada
Perseroan.
The Company is of the opinion that there will be
no other impact on the lawsuit filed against the
Company.
10 Perkembangan terkini atas proses persidangan Perseroan telah menerima surat panggilan
mengenai gugatan perkara tersebut sidang (relaas) dan surat gugatan pada tanggal
Latest developments on the trial process 29 Desember 2025, dimana dalam surat relaas
regarding the lawsuit tersebut Perseroan diminta hadir dalam
persidangan umum yang pertama kali akan
diadakan pada tanggal 8 Januari 2026.
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The Company has received a summons for trial
(relaas) and a lawsuit letter on December 29,
2025, in which the release letter asks the
Company to attend the first public trial which
will be held on January 8, 2026.
11 Strategi dan upaya yang dilakukan oleh Perseroan menghadapi gugatan ini dengan
Perseroan apabila Perseroan berhasil digugat melakukan upaya terbaik dalam penanganan
atas perkara wanprestasi tersebut perkara dan menjelaskan tindakan Perseroan
Strategies and efforts undertaken by the Company yang telah didasarkan pada kontrak polis serta
if the Company is successfully sued for breach of fakta hukum yang ada. Terhadap tuntutan
contract hukum ini, Perseroan akan menghormati
proses hukum yang tengah berjalan pada
Pengadilan Negeri Jakarta Selatan.
The Company is responding to this lawsuit by
making the best efforts to handle the case and
explaining its actions, which are based on the
policy contract and the existing legal facts. The
Company will respect the ongoing legal process
at the South Jakarta District Court.
12 Langkah yang akan diambil Perseroan untuk Perseroan memiliki kesiapan dan kemampuan
melindungi kepentingan pemegang saham dana yang cukup untuk melindungi
publik setelah adanya Keputusan kepentingan pemegang saham. Perseroan
Steps that the Company will take to protect the juga akan tetap tunduk pada proses hukum
interests of public shareholders after the decision yang sedang berjalan saat ini.
is made The Company has sufficient preparedness and
financial capacity to protect shareholder
interests. The Company will also remain with
respect to the ongoing legal process.
13 Informasi/ kejadian penting lainnya yang Sepengetahuan kami, tidak terdapat
material dan dapat mempengaruhi informasi/kejadian penting lainnya yang
kelangsungan hidup perusahaan serta dapat material dan dapat mempengaruhi
mempengaruhi harga saham Perseroan kelangsungan hidup Perusahaan serta dapat
Other important information/events that are mempengaruhi harga saham Perseroan.
material and can affect the company's survival and
can affect the Company's share price To our knowledge, there are no other
important information/facts/events that are
material and may affect Company’s business
continuity and Company’s shares price.
Demikian informasi ini kami sampaikan, atas perhatiannya kami ucapkan terima kasih.
Thus, we conveyed. Thank you for your attention.
Hormat kami,
Sincerely,
PT MSIG Life Insurance Indonesia Tbk
Renova Siregar
Chief Compliance, Legal & Corporate Secretary
Names mentioned 11 people and organisations named in the text · linked when the evidence is strong
unresolved
person
Mita Dwijayanti PH Kepala Divisi PP
p.1
unresolved
org
PT Bursa Efek Indonesia Indonesia Stock Exchange Building
p.1
unresolved
org
Indonesia Stock Exchange
p.1
unresolved
org
Pengadilan Negeri Jakarta Selatan
p.1 ×2
unresolved
org
South Jakarta District Court
p.1 ×2
unresolved
org
Life Insurance Indonesia Tbk
p.4
unresolved
person
Renova Siregar
· Chief Compliance, Legal & Corporate Secretary
p.4 ×2
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