INSURANCE SYLLABUS

I. GENERAL PROVISIONS (SECTIONS 1-2)

A. History of Insurance Law in the Philippines
B. Contract of Insurance
i. Elements of Insurance
ii. Requisites of an Insurance Contract
iii. Characteristic of Insurance Contract
C. Construction of Insurance contracts

1. Del Rosario v. Equitable Insurance & Casualty Co. 8 SCRA 343 (1963)
2. Taurus Taxi Co Inc v. The Capital Insurance & Surety Co Inc 24 SCRA 454 (1968)
3. CCC Insurance Corp. v. Court of Appeals 31 SCRA 264 (1970)
4. Association of Baptists for World Evangelism Inc v. Fieldmen’s Insurance Co Inc. 124 SCRA
618 (1983)
5. Landicho v. GSIS 46 SCRA 7 (1972)
6. American Home Assurance Company v. Tantuco Enterprise Inc 366 SCRA 740 (2001)
7. Fortune Insurance and Surety Company Insurance Company, Inc. vs. Court of Appeals, G.R.
No. 115278, May 23, 1995
8. Sun Insurance vs. Court of Appeals, G.R. No. 92383, July 17, 1992
9. Guingon vs. Illuminadodel Monte, G.R. No. L-22042, August 17, 1967
10. Tiu vs. Arriesgado G.R. No. 138060. September 1, 2004
11. Vda De Maglana vs Consolacion, G.R. No. 60506 August 6, 1992
12. Villacorta vs Insurance Commission, G.R. No. L-54171 October 28, 1980
13. Palermo vs. Pyramid Insurance Co, G.R. No. L-36480 May 31, 1988
14. Tanco vs. The Philippine Guaranty Co., G.R. No. L-17312 November 29, 1965
15. Summit Guaranty & Insurance Co., Inc. vs. Court of Appeals G.R. No. L-48546 February 29,
1988
16. Gutierrez vs. Capital Insurance and Surety Co., G.R. No. L-26827 June 29, 1984

II. WHAT MAY BE INSURED (SECTIONS 3-5)

III. PARTIES TO THE CONTRACT (SECTIONS 6-9)

1. Qua CheGan vs. Law Union Rock, 98 Phil. 85

2. Ty vs. Filipinas Compaña de Seguros, 17 SCRA 364
3. Del Rosario vs. Equitable Insurance, 118 Phil. 349
4. Misamis Lumber vs. Capital Insurance, 123 Phil. 1077
5. Verendia vs. CA, 217 SCRA 1993
6. Gulf Resorts vs. Phil. Charter Insurance Corp., GR. No 156167, May16, 2005
 7. WhiteGold vs. Pioneer Insurance, GR. No 154514, July 28, 2005
8. Eternal Gardens Memorial Park Corp. vs. Philam, GR. No. 166245, April 9, 2008
9. Philamcare Health Systems, Inc. V. Court Of Appeals AndJulitaTrinos G.R. No. 125678.
March 18, 2002.
10. Phil. Healthcare Insurance Providers vs. CIR, G.R. No. 167330, Sept. 18, 2009
11. Filipinas Compana De Seguros vs. Christern, Huenefeld and Co. Inc., GR. No L-2294, May
25, 1951
12. Constantino vs. Asia Life Insurance Co., G.R. No. 1669, August 31, 1950
13. Great Pacific Life Assurance Corp. vs. Court of Appeals, G.R. No. 113899, October 13, 1999
14. Geagonia v. CA, G.R. No. 114427 February 6, 1995
15. Palileo v. Cosio, G.R. No. L-7667, November 28, 1955

IV. INSURABLE INTEREST (SECTIONS 10-25)

1. Gercio v. Sun Life Insurance of Canada, G.R. No. 23703, September 28, 1925
2. The Insular Life Assurance Company, Ltd. vs. Ebrado, G.R. No. L-44059, October 28, 1977
3. Nario vs. Phil-Am Life Ins. Co. 20 SCRA 434
4. Villanueva vs. Oro, 81 Phil. 464
5. Phil-Am Life Ins Co vs. Pineda 175 SCRA 416
6. Vda. de Consuegra v. GSIS 37 SCRA 315 (1971)
7. Filipino Merchants Insurance Co. Inc. vs. Court of Appeals GR 85141, 28, November 1989
8. San Miguel Brewery vs. Law Union & Rock Ins. Co., 41 Phil 674 (1920)
9. Sps. Cha vs. Court of Appeals, 277 SCRA 690
10. Garcia vs. The Hongkong Fire & Marine Insurance Co., Ltd, G.R. No. 20341, September 1,
1923
11. Bachrach v. British American Insurance Company 17 Phil 555 (1910)
12. Ong Lim Sing vs. Feb Leasing & Finance Corporation G.R. No. 168115, June 8, 2007
13. Heirs of Loreto C. Maramag represented by surviving spouse Vicente Pangilinan Maramag v.
Eva Verna De Guzman Maramag, et al, G.R. No. 181132, June 5, 2009
14. Gaisano Cagayan, Inc. v. Insurance Company of North America, G.R. No. 147839, June 8,
2006
15. Rizal Commercial Banking Corporation (RCBC) vs. Court of Appeals, G.R. No. 128833, 20
April 1998

V. CONCEALMENT AND REPRESENTATION (SECTIONS 26-47)

1. Vda. De Canilang v. CA, 223 SCRA 443 (1993)
2. Sunlife Assurance Company of Canada vs. Court of Appeals, G.R. No. 105135, June 22,
1995
3. Ng Gan Zee v. Asian Crusader Life Assurance Corp, 122 SCRA 461 [1983]
4. Saturnino v. The Philippine American Life Insurance Company, G.R. No. 16163, February 28,
1963
5. Edillon v. Manila Bankers Life Insurance Corp., G.R. No. 34200, September 30, 1982
 6. Ma. Lourdes S. Florendo v. Philam Plans, Inc., Perla Abcede and Ma. Celeste Abcede, G.R.
No. 186983, February 22, 2012
7. Grepalife v. CA, G.R. No. 113899, October 13, 1999
8. Soliman vs. US Life, 104 Phil. 1046
9. Harding v. Commercial Union Assurance Company, 38 PHIL 464
10. Insular Life v. Feliciano 74 Phil 468
11. Insular Life v. Feliciano 73 Phil 201
12. Qua CheGan vs. Law Union Rock, 98 Phil. 85

VI. INCONTESTABILITY (SECTION 48)

1. Tan ChayHeng v. West Coast Life, 51 Phil 80 [1927]
2. Argente v. West Coast Life Insurance Co., 51 PHIL 725
3. Philamcare Health Care System v. CA GR No. 125678, March 18, 2002
4. Soliman v. US Life, 104 Phil 1046 [1958]
5. Tan v. Court of Appeals, 174 SCRA 403 [1989]
6. Manila Bankers Life Insurance Corporation, vs. CrescenciaAban, G.R. No. 175666, July 29,
2013.

VII. THE POLICY (SECTIONS 49-66 AND SECTIONS 232 AND 233)
1. Enriquez v Sun Life Assurance Co 41 Phil 269
2. Perez v. CA, 323 SCRA 613 (2000)
3. Commissioner of Internal Revenue v. Lincoln Philippine Life Insurance Co., 379 SCRA423
4. Lim v. Sun Life Assurance Co of Canada, 41 Phil 265
5. Grepalife v. Court of Appeals, 89 SCRA 543
6. Pacific Timber Export Corporation v. CA ,112 SCRA 199
7. Development Bank of the Phils v CA 231 SCRA 370
8. Bonifacio Bros. v. Mora, 20 SCRA 262
9. Coquia v. Fieldmen’s Insurance, 26 SCRA 172
10. Guingon v. Del Monte, 20 SCRA 1043
11. Del Val v Del Val, 29 Phil. 535
12. Insular Life vs. Ebrado, 80 SCRA 181
13. Ang v. Fulton Fire Ins Co, 2 SCRA 945
14. Filipino Merchants Insurance Co Inc V CA 179 SCRA 638
15. Mayer Steel Pipe Corporation V CA 274 SCRA 432
16. Ang Giok Chip v. Springfield, 56 Phil 375
17. Malayan Ins Co v. Cruz Arnaldo 154 SCRA 672

VIII. WARRANTIES (SECTIONS 67 – 76)

1. Far Eastern Surety & Insurance Co v. Vda de Misa 25 SCRA 662 (1968)
 2. Prudential Guarantee & Assurance, Inc. vs. Trans-Asia Shipping Lines, 491 SCRA 411
3. Young vs. Midland Textile Insurance Co., 30 Phil. 617
4. American Home Assurance Company v. Tantuco Enterprises, Inc. 366 SCRA 740
5. AngGiok Chip v. Sprinfiled Fire & Maritime Ins. Co., 56 Phil 375
6. Qua Chee Gan v. law Unoin& Rock Ins. Co. Ltd, G.R. No. L-4611, December 17, 1955
7. Bachrach v. British American Assurance Co., 17 Phil 555
8. Geagonia V. CA 214 SCRA 152 (1995)
9. United Merchants Corp. vs. Country Bankers Insurance Inc., G.R. No. 198588, July 11, 2012

IX. PREMIUM (SECTIONS 77 – 84)

1. UCPB General Insurance Co., Ic. v. MasaganaTelmart Inc., G.R. No. 137172 April 4, 2001
2. Sps. Tibay vs. Court of Appeals, G.R. No. 119655, May 24, 2005
3. Arce v. Capital Insurance & Surety Co., Inc., G.R. No. L-28501, September 30, 1982
4. Makati Tuscany Condominium Corp. v. CA, G.R. No. 95546, November 6, 1992
5. Acme Shoe Rubber & Plastic Corporation v. CA 134 SCRA 155
6. The Manufacturers Life Insurance Co. v. Bibiano L. Meer, G.R. No. L-2910, June 29, 1951.
7. GSIS vs. Prudential Guarantee & Assurance Inc., G.R. Nos. 165585 & 176982, November
20, 2013
8. South Sea Surety & Ins. Co. v. Court of Appeals 244 SCRA 744
9. Sps. Tibay et al. v. Court of Appeals 257 SCRA 126
10. Malayan Insurance Co. Inc. v. Arnaldo 154 SCRA 672
11. American Home Assurance Company Inc. v. tantoco Enterprises Inc 266 SCRa 740 (2001)

X. LOSS AND NOTICE OF LOSS (SECTIONS 85-94)

1. United Merchants Corp. v. Country Bankers Insurance Corp., G.R. No. 198588, July 11,
2012
2. Country Bankers Insurance Corp. vs. Lianga Bay and Community, G.R. No. 136914. January
25, 2002
3. FGU Insurance Corp vs. CA, G.R. No. 137775. March 31, 2005
4. Sunrise Insurance Office LTD vs. CA, G.R. No. 92383 July 17, 1992
5. Pacific Timber Export Corporation vs. Court of Appeals, G.R. No. L-38613 February 25, 1982
6. Malayan Ins. Co. vs. Cruz Arnaldo, G.R. No. L-67835 October 12, 1987
7. Travellers Insurance vs. CA, GR No. 82036, May 22, 1997

XI. Double Insurance and Reinsurance (Sections 95-100 and Sections 222-228)
1. Emilio Gonzales Lao v. Yek Tong Lin Fire & Marine Insurance Co., Ltd., G.R. No. 33131,
December 30, 1930
2. General Insurance & Surety Corporation vs. Ng Hua, G.R. No. L-14373 January 30, 1960
3. Union Manufacturing Company, Inc. and Republic Bank vs. Philippine Guaranty Co., Inc.,
G.R. No. L-27932, October 30, 1972
 4. Phil. American Life vs. Auditor General, G.R. No. L-19255 January 18, 1968
5. Fieldman’s Ins. Co. vs. Asian Surety & Ins. Co., G.R. No. L-23447 July 31, 1970
6. Artex Development Co. vs. Wellington Ins. Co, G.R. No. L-29508 June 27, 1973
7. Avon Insurance PLC vs. CA, G.R. No. 97642. August 29, 1997
8. Pioneer Insurance v. Oliva Yap 61 SCRA 426

XII. CLASSES OF INSURANCE

A. Marine Insurance (Sections 101 – 168)

1. Malayan Insurance Corp vs CA, G.R. No. 119599 March 20, 1997
2. La Razon Social Go Taioco Y Hermanos vs Union Insurance Society of Canton Ltd G.R. No.
13983 September 1, 1919
3. Cathay Insurance Co. vs. CA, G.R. No. 76145, June 30, 1987
4. Delsan Transport Line Inc. vs. CA GR No. 127897, November 15, 2001
5. The Philippine American General Insurance Co. Inc. vs. CA, G.R. No 116940, June 11, 1997
6. Pan Malayan Insurance Co. vs. CA, G.R. No. 95070, September 5, 1991
7. Oriental Assurance Corp vs. CA, G.R. No. 94052, August 9, 1991
8. Federal Express Corporation vs. American Home Assurance Company, G.R. No. 150094
August 18, 2004
9. Sulpicio Lines vs. First Lepanto Taisho Insurance Corporation G.R. No. 140349 June 29,
2005
10. American Home Assurance Co vs. tantuco enterprises G.R. No. 138941 October 8, 2001
11. Prudential Guarantee and Assurance Inc. vs. Trans-Asia Shipping Lines GR No. 151890
June 20, 2006
12. Filipino Merchants Insurance Co vs. CA, G.R. No. 85141 November 28, 1989
13. Roque v. IAC 139 SCRA 596
14. Choa Tiek Seng v. Court of Appeals 183 SCRA 223

B. Fire Insurance (Sections 169 – 175)

1. Ong Gua Chan vs The Century Insurance Co Ltd. G.R. No. L-22738, December 2, 1924
2. Malayan Insurance Company Inc. vs. PAP Co., LTD., G.R. No. 200784, August 7, 2013
3. Allied Banking Corporation vs Cheng Yong and Lilia Gaw GR No. 151040 October 5, 2005
4. DBP Pool of Accredited Insurance Co. vs Radio Mindanao Network Inc GR No. 147039
January 27, 2006

C. Casualty Insurance (Section 176)

1. NFD International Manning Agents Inc v. Illescas 631 SCRA 629 (2010)
2. Biagtan v. The Insular Life Assur. Co. Ltd. 44 SCRA 58 (1972)
3. Calanoc v. CA 98 Phil. 79 (1955)
4. Finman Gen. Assur Corp v. CA 213 SCRA 493 (1992)
 D. Suretyship (Sections 177 – 180)
1. Prudential Guarantee Assurance Inc vs. Equinox Land Corporation GR Nos. 15205-06
September 1, 2007
2. Arranz v. Manila Fidelity and Surety Co. 1010 phil 272 (1957)
3. Capital Inc. & Surety Co. Inc. v. Ronquillo Trading 123 SCRA 426
4. Philippine Pryce Assurance Co. vs CA, G.R. No. 107062 February 21, 1994

E. Life Insurance (Sections 181 – 186 and Sections 234 to 237)

1. Del Val v. Del Val 29 Phil. 534
2. BPI v. Posadas 56 Phil. 215
3. Insular Life v. Ebrado 80 SCRA 181
4. Republic vs Sun Life Assurance Company of Canada GR No. 158085 October 14, 2005
5. Kanapi vs Insular Life Ass Co., G.R. No. L-5642 February 25, 1954
6. Biagtan vs Insular Life Ass Co, G.R. No. L-25579 March 29, 1972
7. Calanoc vs CA, G.R. L-8151 December 16, 1955
8. Dela Cruz vs Capital Ins& Surety Co, G.R. No. L-21574 June 30, 1966
9. Finman General Assurance Corp v CA, G.R. No. 100970 September 2, 1992
***Cash surrender value
10. Manufacturer’s Life Insurance Co. v. Meer 89 Phil. 351

XIII. CLAIMS SETTLEMENT AND SUBROGATION (SECTIONS 247 TO 251)

1. Tio Khe Chio v. Court of Appeals 202 SCRA 119
2. Finman General Assurance Corporation v. Court of Appeals 361 SCRA 214
3. Country Bankers Insurance Corporation v. Lianga Bay and Community Multi-Purpose
Cooperative 374 SCRA 653
4. Cebu Shipyard and Engineeribng Works, Inc v. William Lines Inc 306 SCRA 762 (1999)

XIV. COMPULSORY MOTOR VEHICLE LIABILITY INSURANCE (SECTIONS AND 386 TO 402)
1. Perla Compania de Seguros vs. Court of Appeals, G.R. No. 96452, May 7, 1992
2. Perla Compania de Seguros vs. Ancheta, G.R. No. L-49699 August 8, 1988
3. GSIS v. Court of Appeals 308 SCRA 559
4. First Quezon City Insurance Company v. Court of Appeals 218 SCRA 525

XV. REGULATION OF INSURANCE BUSINESS AND INSURANCE COMMISSIONER

(SECTIONS AND 437 – 439)
1. Philippine American Life Insurance Company v. Ansaldo 234 SCRA 509