The purpose of this study is to examine and analyze what the policy guarantee means to protect the insured in insurance, by referring to Article 53 of Law No. 40 of 2014 concerning Insurance. This research is a legal research, especially research on the Law of the Republic of Indonesia, No. 40 2014 concerning Insurance. This legal research is conducted to produce a new concept as a perspective in solving the problems faced, so that the results obtained in this study will provide a value. This study uses a philosophical approach, which examines insurance issues which include the nature, value and meaning of policy guarantees, as well as a conceptual approach that examines concepts related to the meaning of insurance policies in insurance, then analyzed qualitatively by providing in-depth and thorough explanations and evaluating primary legal material used as a description of the meaning of policy guarantees for the insured person. The meaning of this policy guarantee is reviewed using the theory of legal protection, to get a concept of fair protection for the insured, as well as guaranteeing the rights of the insured against insurance problems that occur and the guarantee of legal certainty for the insured will be achieved.
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