LAW ON INSURANCE, Course Syllabus

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I.       The Insurance Code (P.D. 612)

1.    History of Insurance Law in the Philippines

2.    Contract of Insurance (Sec. 3 – 5)

a. Travellers Insurance & Surety Corporation v. Hon. Court of Appeals, G.R. No. 82036, May 22, 1997

2.1 Rules on construing Insurance Code

2.2 Rules on construing Insurance Policy

3.    Elements of an Insurance Contract

a. Gulf Resorts, Inc. v. Philippine Charter Insurance Corp.. G.R. No. 156167, May 16, 2005

4.    Characteristics of Insurance Contracts

a. New World International Dev. (Phils), Inc. v. NYK-FilJapan Shipping Corp., G.R. No. 171468, August 24, 2011

5.    Doing an Insurance Business

a. White Gold Marine Services, Inc. v. Pioneer Insurance and Surety Corp., G.R. No. 154514, July 28, 2005

     5.1 Principle of subrogation

6.    Public interest in the Insurance Business 

a. Republic vs. Del Monte Motors, Inc., G.R. No. 156956, October 9, 2006.

7.    Insurance versus Health Maintenance Organizations (HMOs)

a. Philippine Health Care Providers, Inc. v. Commissioner of Internal Revenue, G.R. No. 167330, September 18, 2009

8.    Parties to the contract of insurance (Sec. 6-9)

a. Philippine Health Care Providers, Inc. v. Commissioner of Internal Revenue, G.R. No. 167330, September 18, 2009

II.      The Contract of Insurance

            1. What may be insured (Sec. 3 - 5)

a. Philamcare Health Systems Inc. v. Court of Appeals, G.R. No. 125678, March 18, 2002

        

                  1.1 Insurance distinguished from gambling

            2. Parties to the Contract (Sec. 6 – 9)

                  2.1. Sec. 54 – General Banking Law

                  2.2. Control Test on Corporations

                  2.3  Proper party to file action

                  2.4 Types of Mortgage Clauses

                  Cases:

a. Eternal Gardens Memorial Park Corp. v. The Philippine American Life Insurance Company, G.R. NO. 166245, April 9, 2008

b. Filipinas Compaña De Seguros vs. Christern, Huenefeld And Co.,

Inc., G.R.No. L-2294, May 25, 1951

c. Constantino v. Asia Life Insurance Company, G.R. No. 1669, August 31, 1950

                 

d. Great Pacific Life Assurance v. Court of Appeals, G.R. No. 113899, October 13, 1999

         3. Insurable Interest (Sec. 10 - 25)

                  3.1 Types of beneficiaries        

                  3.2 Rights of beneficiaries

                  3.3 Persons disqualified to be beneficiaries         

                  Cases:

a. 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

b. Violeta Lalican v. The Insular Life Assurance Company, Limited, G.R. No. 183526, August 25, 2009

c. Gaisano Cagayan, Inc. v. Insurance Company of North America, G.R. No. 147839, June 8, 2006

d. The Insular Life Assurance Company, Ltd. vs. Ebrado, G.R. No. L-44059, October 28, 1977

e. Sing vs. Feb Leasing & Finance Corporation G.R. No. 168115, June 8, 2007

         4. Concealment (Sec. 26 – 35)

                  Cases:

                 

a. Vda. De Canilang vs. Court of Appeals, G.R. No. 92492, June 17, 1993

b. Sunlife Assurance Company of Canada vs. Court of Appeals, G.R. No. 105135, June 22, 1995

c. Ng Gan Zee v. Asian Crusader Life Assurance Corp., G.R. No. 30685, May 30, 1983

d. Saturnino v. The Philippine American Life Insurance Company, G.R. No. 16163, February 28, 1963

e. Edillon v. Manila Bankers Life Insurance Corp., G.R. No. 34200, September 30, 1982

f. Philamcare Health Systems, Inc. v. Court of Appeals, G.R. No. 125678, March 18, 2002

g. Ma. Lourdes S. Florendo v. Philam Plans, Inc., Perla Abcede and Ma. Celeste Abcede, G.R. No. 186983, February 22, 2012

         5. Representation (Sec. 36 - 48) 

5.1 Statement of belief or expectation distinguished from Promissory Representation

5.2 Kinds of misrepresentation

                  Cases:

                  a. The Insular Life Assurance Company, Ltd. v. Feliciano, G.R. No. 

47593, December 29, 1943

b. Saturnino v. The Philippine American Life Insurance Company, G.R. No. 16163, February 28, 1963  

c. Edillon v. Manila Bankers Life Insurance Corporation, G.R. No. 34200, September 30, 1982

         6. The Policy (Sec. 49 – 66)

                  6.1 Rider, clause, warranty, endorsement

                  6.2 Group insurance

                  6.3 Group annuity

         7. Warranties (Sec. 67 – 76)

         8. Premium (Sec. 77 – 82)

a. UCPB General Insurance Co., Inc. v. Masagana Telamart, Inc., G.R. No. 137172, April 4, 2001

         9. Loss (Sec. 83 – 87)

a. United Merchants Corp. v. Country Bankers Insurance Corp., G.R. No. 198588, July 11, 2012 

         10. Notice of Loss (Sec. 88 – 92)

         11. Double Insurance (Sec. 93 – 94)

         12. Reinsurance (Sec.95 – 98)

III.    Classes of Insurance

         1. Marine (Sec. 99 – 166)

         2. Fire (Sec. 167 – 173)

         3. Casualty (Sec. 174)

         4. Suretyship (Sec. 175 – 178)

5. Life Insurance (Sec. 179 – 183)

6. Compulsory Motor Vehicle Liability Insurance (Sec. 373 – 389) 

IV.     The Business of Insurance

         Case:

1. Republic of the Philippines, Represented by Eduardo Malinis in His Capacity as Insurance Commissioner v. Del Monte Motors, Inc., G.R. No. 156956, October 9, 2006 

V.      The Insurance Commissioner

         1. Administrative and adjudicatory powers