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INSURANCE SYLLABUS

SECTIONS 2D, 2H and 2K


December 12
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
iv. Governing Law
v. Construction of Insurance Code
vi. Policy Construction
II. What May Be Insured (Sections 3-5)
III. Parties to the Contract (Sections 6-9)

CASES:
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

January 16
IV. Insurable Interest(Sections 10-25)

CASES:
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)

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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

January 23
V. Concealment and Representation(Sections 26-47)

CASES:
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)

CASES:
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.

February 6
VII. The Policy(Sections 49-66 and Sections 232 and 233)

CASES:
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

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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. AngGiok Chip v. Springfield, 56 Phil 375
17. Malayan Ins Co v. Cruz Arnaldo 154 SCRA 672

February 13
VIII. Warranties (Sections 67 – 76)

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

IX. Premium (Sections 77 – 84)

CASES:
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

February 20
X. Loss and Notice of Loss (Sections 85-94)

CASES:
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. Claims Settlement and Subrogation (Sections 247 to 251)

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March 12
XII. Double Insurance and Reinsurance (Sections 95-100 and Sections 222-228)

CASES:
1. General Insurance & Surety Corporation vs. Ng Hua, G.R. No. L-14373
January 30, 1960
2. Union Manufacturing Company, Inc. and Republic Bank vs. Philippine
Guaranty Co., Inc., G.R. No. L-27932, October 30, 1972
3. Phil. American Life vs. Auditor General, G.R. No. L-19255 January 18, 1968
4. Fieldman’s Ins. Co. vs. Asian Surety & Ins. Co., G.R. No. L-23447 July 31,
1970
5. Artex Development Co. vs. Wellington Ins. Co, G.R. No. L-29508 June 27,
1973
6. Avon Insurance PLC vs. CA, G.R. No. 97642. August 29, 1997

March 19
XIII. Classes of Insurance

A. Marine Insurance (Sections

CASES:
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

April 2
B. Fire Insurance (Sections

CASES:
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 and Compulsory Motor Vehicle Liability Insurance


Sections and 386 to 402)

CASES:

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1. Fortune Insurance and Surety Company Insurance Company, Inc. vs. Court
of Appeals, G.R. No. 115278, May 23, 1995
2. Sun Insurance vs. Court of Appeals, G.R. No. 92383, July 17, 1992
3. Guingon vs. Illuminadodel Monte, G.R. No. L-22042, August 17, 1967
4. Tiu vs. Arriesgado G.R. No. 138060. September 1, 2004
5. Vda De Maglana vs Consolacion, G.R. No. 60506 August 6, 1992
6. Perla Compania de Seguros vs. Court of Appeals, G.R. No. 96452, May 7,
1992
7. Villacorta vs Insurance Commission, G.R. No. L-54171 October 28, 1980
8. Palermo vs. Pyramid Insurance Co, G.R. No. L-36480 May 31, 1988
9. Tanco vs. The Philippine Guaranty Co., G.R. No. L-17312 November 29,
1965
10. Perla Compania de Seguros vs. Ancheta, G.R. No. L-49699 August 8, 1988
11. Summit Guaranty & Insurance Co., Inc. vs. Court of Appeals G.R. No. L-
48546 February 29, 1988
12. Gutierrez vs. Capital Insurance and Surety Co., G.R. No. L-26827 June 29,
1984
13. Association of Baptists for World Evangelism vs Fieldman’s Insurance Co.,
Inc., GR No. L-28772 September 21, 1983

April 16
D. Suretyship (Sections

1. Prudential Guarantee Assurance Inc vs. Equinox Land Corporation GR Nos.


15205-06 September 1, 2007
2. Philippine Pryce Assurance Co. vs CA, G.R. No. 107062 February 21, 1994

E. Life Insurance( and Sections 234 to 237)

CASES:
1. Republic vs Sun Life Assurance Company of Canada GR No. 158085
October 14, 2005
2. Kanapi vs Insular Life Ass Co., G.R. No. L-5642 February 25, 1954
3. Biagtan vs Insular Life Ass Co, G.R. No. L-25579 March 29, 1972
4. Calanoc vs CA, G.R. L-8151 December 16, 1955
5. Dela Cruz vs Capital Ins& Surety Co, G.R. No. L-21574 June 30, 1966
6. Finman General Assurance Corp v CA, G.R. No. 100970 September 2, 1992

April 23
XIV. Regulation of Insurance Business and Insurance Commissioner (Sections and
437 – 439)