101 BAB 7 FITUR FITUR UMUM PROSEDUR KLAIM

(1)

!"# $ %& " !'()! * "+ $!%$!) ) , -".!/'-+ /- &, - * "+ )- & -(,!0 !" "++ "+

!")-/& /-& " !")!& ' " !")!& ' " * "+ $!%$!) * "+ ) "' & ! !1 0& " !%/!,/0 " &,

-!"#!, /& " $ + - " !" "++ "+ $!% / 0 "' & !")!'!&/- ) " !"+ % "+- &, - &, - * "+ 2% ) ,!"'

!"# $ %& " !% $ 0 " !% $ 0 " /!& % "+ ) , &!/! & ' " "' % !% / 0 " / % "/- ) , !"*!,!/ " &,

-3 4

# " * "+ ' ) " * "+ ,-"+ !"'-"+ ) , 0 "('-2-& /- ) %- / ' &, - ) , 0 !"# )- ' "++ "+ # 5 $ '!%' "++ "+ !" "++ "+ !"+0 % /& " &!1! ' " ! $!%-' 0 " &, - ) " /!%-"+ ! $ ' $ ' / " 5 &' )- " &, - 0 % / )-$!%-' 0

-/ ,"* /!, $ ' , $ '"* 6 #

"' & &, - * "+ &!1-, '!,! 0("! )-+ " & " )!"+ " !"-"+& ' /!$ + - 1 % * "+ ) ' )-'!%- )- " '!%' "++ "+ ) ' !, (%& " / ' &, - ) " $!%&( "-& /- )!"+ "

(2)

8

%(/!) % !" "+ " &, - ) , / % "/- #-5 /!)-&-' $!%$!) , / " * "+ /!)!%0 " ) , 0 &, - $-/ $!% &! '- " )- " ! $ &'- " &! '- " ) " /- !"!%- "2 '

'-) &, 0 ) 0 )- " ! $ ' 0& " 5 &' /!%' $-, / # %(/!) % /

-!"++ " & " !"+ )-, "

, - * "+ &!1-, ) " !%/(" , /!%-"+ )- 0 "),! (,!0 /!/!(% "+ )-, % ) %- !% / 0 " / % "/- %(&!%/ ) " /!#!"-/" * ) ' ! -,-&- ('(%-' / * "+ )-)!,!+ /-& " "' & !"+!, %& " (,-/ !%/(" , * "+ /!)!%0 " , & / / '!%'!"' $%(&!% # + $-/ # + !" "+ "- &, - -/ / # ) $ ' / " "-, - &, - * "+ $-/ )-/!,!/ -& " (,!0 $%(&!%

*(%-' / &, - )- %(/!/ (,!0 &, - )! %' !"' !% / 0 " / % "/- !$ " ! $ &'- " ) ) '!%' "++ "+ )- " 0 % / ) ' ! $ &'-& " $ 05 )- !"+ , - &!% +- " * "+ )-# -" (,!0 (,-/ ) " 0 , -"- )-, & & " )!"+ " !"+/ 2(% ,% &,

-!%' "++ "+ # + 0 % / ! $ &'-& " "-, - &!% +- " * "+ )-)!%-' &-$ ' &!1 ,- ) , / % "/- #-5 ' !%/(" , 11-)!"' ! $ &'- " "-, - &!% +- " '-) & !%, ! $ &'- " -"- ) ' )-, & & " )!"+ " !" "# & " $- * ! $!,- " ' $- * !%$ -& " )--"'-"* $ & " !"# )- ' + / !" "++ "+ "' & ! $ &'-& " "-, - &!% +- " '!' -'!%' "++ "+

!" "++ "+ "* %! ' "++ "+ # 5 $ * -' )- 0 % / !"* &-"& " $ 05 9 -" " /-0 $!%, & ) / ' &!# )- ":&!% +- "

!%' "++ "+ ) , 0 $!" % /!$ + - '!%' "++ "+ 0 * :%-/-&( )-# -" ) , (,-/ / %

"/-!%' "++ "+ '!, 0 !"+ $-, , "+& 0 , "+& 0 * "+ 5 # % "' & !"+ % "+-&!% +- "

!'!"' " &!'!"' " (,-/ '!, 0 )-# , "& " )!"+ " $ -& -) & ) !"+!1 ,- " $!%( !%

/--, - &!% + " ) , 0 5 # % 8

(3)

(4)

) ' 0 '!% &0-% ) , %(/!) % &, - ) , 0 ! $ * % " /!# , 0 "+ , -/ ) 0 )-$!%-' 0 & " -/! -0 & / ) 0 !, &/ " & " &!5 #-$ ""* ) " /!, "# '"* &, - )-$ * %& " &' , /!'',! !"' ' # , 0 * "+ )-$ * %& " '!%+ "' "+ ) /!# , 0 2 &'(% '!% / &9 /-2 ' ) %- !%' "++ "+ " &!1 & " !%' "++ "++ " ) "

,-& /- /!'- &(")-/- * "+ ! $ ' /- # , 0 * "+ )-$ * %& "

(,-/ / % "/- "* / -"/ %!) " " 0 , -"- ) , 0 0 "* /!$ + - $ ' / ' "++ "+ # 5 $ !" "++ "+ $ & " /!# , 0 * "+ / ) 0 )-/! & '- &!'-& '!%# )- &, - - *

&0-%"* & " $!%+ "' "+ ) , / &!% +- " ' &!% / & " ) " /-2 ' ) %-!%' "++ "+ " * "+ )-# -" (,!0 (,-/ !$ "* & " & / / &, - )-/!,!/ -& " )!"+ " 6

1 * -' -")! "-'* ' %!-"/' '! !"'

!1 % /-"+& ' -")! "-'* ) , 0 / ' %-"/- ) / % ) , / % "/- )- " !"! '& " '!%' "++ "+ &! (/-/- &! "+ " * "+ / /!'!, 0 &!# )- " /!$ + - " )-"-& '-/!$!, '!%# )- &!% +- "

!) "+& " %!-"/' '! !"' ! $!%-& " '!%' "++ "+ )!"+ " $- * %!-"/' '! !"' !"' & -"- )-/!$ ' "!5 2(% (,) 1(.!% ) " /!%-"+ )-+ " & " ) , / % "/- 0( /!0(,)

!%) ' /!# , 0 2 &'(% * "+ ! $ ' /- '!%' "++ "+ !"!%- 2 ,, -")! "-'* $-, '!%# )- &, - !%-& ' 2 &'(% 2 &'(% * "+ ! $ ' /- -")! "-'*9

"/ %!) %+ !%' "++ "+ " ) , 0 /!, , !"# )- &/- + "'- % +- ) , / ' (,-/ !& ,- " !% +- " * "+ /!$!" %"* !,!$-0- / -"/ %!) & + "'- %

+-&/- ) , 0 /!"-, - / -"/ %!) , -"- $-/ / # '!%# )- $-, 0 %+ !%' "++ "+ " '-) & )- ) '! "' & $!$!% ' 0 "

- -' (2 -")! "-'* ' / -")! "-'* * "+ )-$ * %& " (,!0 !" "++ "+ ) " $- / "* )-# - ) , ,- $-,-'* /!1'-("/ (,-/ 0( /!0(,) ) " '% .!,

.!% +! -, '!%# )- ")!% -"/ % "1! !" "++ "+ 0 "* $!%0 & ' / %( (%/ ' / %! -* "+ /!$!" %"-* '!%0 ) '(' , . , ! ' %-/& , /-' /- -"- '!%' "++ "+ '-) & $!%&("'%-$ /- * "+ 2 -% &! ) 1( (" ((, !'- !"*!,!/ - " &, - & "

(5)

78 -, .!% +! $!%( !% /- "' & !"+ % "+- "-, - * "+ )-$ * %& " '!%' "++ "+ & "

!"# )- !" "++ "+ "' & )-%-"* /!")-%- ' / %( (%/- * "+ '-) & )-$ * % (,!0 !" "++ "+

.!% +! / "+ ' # % "+ )-'!% & " ) , #!"-/ / % "/- !%/(" ,

=1!// ' !=1!// !% & " # , 0 "' & /!'- &, - * "+ '-) & )-# -" ) , (,-/ , / ' !=1!// )$!%, & & " (,!0 !" "++ "+ !=1!// '!%/!$ ' )/!$ ' /!$ + -1( ,/(%* !=1!// !%' "++ "+ ) ' # + ! -,-0 "' & !"+ ' % / % "/-"* )!"+ " !"-"+& '& " # , 0 !=1!// * "+ )-&!" , )!"+ " .(, "' %* !=1!// ' / 0 , -"-!" "++ "+ & " ! $!%-& " )-/1( "' ' / %! -"* -& 1( ,/(%* !=1!// " .(, "' %* !=1!// ) , 0 $- / )-'!% & " ) , / % "/- 0( /!0(,) ) " ('(% -"/ % "1!

% "10-/! % "10-/! !% & " / ' # , 0 * "+ 2-=!) * "+ & " )-$ * %& " (,!0 '!%' "++ "+ ) , '!%# )-"* &, - & " '!' - $-, # , 0 &!% +- " !,!$0 ", -2% "10-/! !" "++ "+ & " ! $ * % &!/!, % 0 " &!% +- " !"+ " )! -&- " $-,

(,-/ !"!% & " 2% "10-/! C ?A ) " &!% +- " '!%# )- C?A & '!%' "++ "+ '-) & !") '& " + "'- % +- ) %- !" "++ "+ & " '!' - $-, &, - C?? & '!%' "++ "+ & " !"!%- + "'- % +- /! !" 0"* % "10-/! / ' -"- # % "+ )-+ " & " !' - '- ! 2% "10-/! /!, , )-# - ) / % "/- !%/(" , 11-)!"' ) " -,,"!// -"/ % "1!

- -'/ "* & (,-/ ! $ ' /- # , 0 * "+ )-$ * %& " ' / -'! -'! '!%'!"' * "+ )-'!+ /& " ) , 5(%)-"+ (,-/ (,-/ ( /!0(,) 1("'!"'/ $- / "* ! ' / ' 5(%)-"+ /!$ + - $!%-& '9

("'(0"* "-, - / ' , &-/ " C ?A !"+ , - &!% / & " ) , &!$ & % " % 0 '-"++ , )- " -/- &!/!, % 0 " ) , 0 C 8A AAA '!%' "++ "+ & " !"!%- ,!$-0 &!1-, ) %-"-, - &!% +- " * "+ /!$!" %"* !%' "++ "+ ) ' !"+0-") %- /-' /- )! -&- " )!"+ "

!"1 "' & " /!1 % &0 / / )- /10!) ,! (,-/

!) 1'-$,!/ !) 1'-$,! )-$!%-& " "' & / ' !=1!// * "+ / "+ ' $!/ % ) " $- / "*

)-# - ) / % "/- &( !%/-, !$ + - + "'- ' / ! $!%, & " )!) 1'-$,!

!" "++ "+ & " ! $!%& " / ' )/1( "' ' / %!

(6)

(7)

7< !$ "* & " &, - )-/!,!/ -& " )!"+ " 1! ' ) " /-"+ /-"+ -0 & / & "

'!' - ) & , "* /!# , 0 &, - !"+ , - !%/!,-/-0 " ' / # , 0 &, - * "+ & " )-$ * % , -"- ) ' ! !"+ % 0- ( -"- * "+ & % "+ $ -& ) %- $,-&

-, )-/ '! '!%# )- 0 , -"- $- / "* )-/!$ $& " $!$!% 2 &'(% ) ' "* )-/ '! '!%# )- & %!" !"* "+& ' ' "++ "+ # 5 $ !" "++ "+ "' & ! $ * % &, - # , 0 * "+ & " )-$ * %& " ) " / , 0 &!1! ' " !" "+ "- &, - '!%/!$ '

-, '!%' "++ "+ !"+0 ) - / ' )-/ '! )!"+ " !" "++ "+ & 0 &, - )-# -" ) , (,-/ ' '-) & ' & 0 !" "++ "+ $!%' "++ "+ # 5 $ "' & ! $ * % ' '-) & '!%' "++ "+ "* 0 & "' & ! $ 5 & / /"* &! ) !"+ 1 % "* "' & !"1 %- /(, /- ' / )-/ '! * "+ '!%# )- ) &0-%"* ' " $-/ )-0-") %- '!%' "++ "+ $-/ / # ! $ 5 & / / -"- &! !"+ )-, "

!%/!,-/-0 " ' / # , 0 * "+ )-$ * %& " ) " ,- $-,-'* ) , (,-/ / ) 0 )- & - ) " $- / "* / ) 0 !"+ 1 ) &(")-/- (,-/ (,-/ (,-/ $- / "* !"1 "' & " &(")-/- %$-'% /! , &(")-/- %$-'% '-(" !,-$ '& " !" "# & " /!(% "+ %$-'% /! * "+ -")! !")!"' * "+ ! $ ' &! ' / " ! ' / " %$-'% /! -"- ) , 0 2-" , ) "

!"+-& ' &!) $!, 0 -0 &

&' "* /!)-&-' '!%' "++ "+ * "+ ! $ 5 )-/ '! "' & )-/!,!/ -& " )!"+ " 1 % %$-'% /! , -"- )-& %!" & " !%!& '-) & !%1 * ' / %(/!/ !"*!,!/ - " * "+ '!%&!/ " '!%' ' $ +- !%!&

%(/!/ !"+ )-, " $ & " $!%/-2 ' / & %!, /!& ,- & / / / ) 0 )- , - & &!) -0 & '-) & ) ' ") % ' " )- &!' 0 - (,!0 -0 & , -" -, &!) -0 & '-) & ) ' $!%"!+(/- /- "' & !"*!,!/ - " & !"+ )-, " & " ! ' /& " /(, /-"*

!%$!) )!"+ " %$-'% /! !"*!,!/ - " ,!5 ' %$-'% /! ) , 0 / & %!, )- " /! -0 & $!$ / ) " '-) & )- &/ & "

3 4

(8)

' %(/!) % !)- '-(" ) , 0 '!%) ' &!'!"' " )- " -0 & &!'-+ ! -,-0 !)- '(% * "+ )-$!%-& " !%"* ' " !%"* ' " '!%' ,-/ ) %- &!) $!, 0 -0 &

!%!& !")-/& /-& " ,!$-$ %-"1- '!"' "+ & / / * "+ ) ) " ! -"' !") '

!%!& !"+ 1 ) 5-'0( ' %!# )-1! $ /-/ !) $!, 0 -0 & !"+1!+ 0

!)- '(% "' & ! $!%-& " -"2(% /- $!%/-2 ' % 0 /- # " )-/& /- * "+ )- &/ ) ) , 0 "' & !"! & " / , 0 * "+ /!/ "++ 0"* ' / &!'-) &/!' # " ) " )!"+ " )! -&- " !)- '(% ) ' ! $!%& " / % " /!$ + -/(, /- * "+ &("/'% &'-2

!"+ " 1 % -"- &!) -0 & !" "# & (% "+ * "+ "!'% , "' & ) ) & /!$ + -&!' 0 &- ) " /-"+ /-"+ !%5 &-, " &!) -0 & * "+ $!% !%& %

!%!& ) ) & $!%/ ) " ! $ 1 %-"1- " ) %- ) & / / * "+ )- # & " &!) -0 & !, "# '"* !%!& $!%"!+(/- /- / ' )!"+ " * "+ , -" ) " -")! !")!"' %$-'% '(% & " ! $ ' ") "+ ""* ) , !"+ $-, /(,

/-!) -0 & ) ' !" "# & / ' 0,- ) , $-) "+"* "' & ! $!%-& " !") '"* !") ' 0,- '!%/!$ ' '-) &, 0 !"+-& ' &!) -0 & " " 0,-/!)-&-' ) ' )- !"+ % 0- ) , "!+(