University of San Jose-Recoletos

SCHOOL OF LAW

COURSE SYLLABUS

Course Title: Insurance Instructor:

No. of Units: 2 units Atty. Ariel B. Bacatan
Semester/ SY: First Semester, SY 2019-2020
Department: School of Law
Schedule: Saturday 10:30 am to 12:30 nn

I. COURSE DESCRIPTION AND OBJECTIVES

Course Description
A survey of the Insurance Code and related laws, including the concept and function of insurance, the nature
of the insurance contract, insurable interest, special forms of insurance and government regulation of the
insurance business.

Learning Outcomes
On successful completion of this course, the students are expected to:
• Have an understanding of the concept, nature and characteristics of an Insurance Contract
• Know the different kinds of Insurance
• Gain understanding of how the Law on Insurance is applied through various jurisprudence

Methodology
Most of the learnings in this course will be imparted through lectures, discussions and class recitation.
Students will also be given regular assignments of relevant case laws. As a final requirement, students will
be asked to submit a paper on a topic chosen by them applying what has been learned during the semester.

II. COURSE OUTLINE and MATERIALS

Session Topic
Session 1 A. Concept of Insurance
June 29, 2019 a. Historical Background
Session 2 b. Sources of Insurance Law
July 6, 2019 B. What may be insured
Session 3 C. Parties to the contract
July 13, 2019 D. Elements of an Insurance Contract
E. Characteristics/Nature of Insurance Contracts
F. Classes
(1) Constantino vs. Asia Life 87 Phil 248
(2) Insular Life vs. Ebrado 80 SCRA 181
(3) Qua Che Gan vs. Law Union 98 Phil 85
(4) Ty vs. Filipinas Cia de Seguros 17 SCRA 364
(5) Philamlife vs. Ansaldo 234 SCRA 509

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 (6) Del Rosario vs. Equitable Insurance 8 SCRA 343
(7) Misamis Lumber vs. Capital Insurance 17 SCRA 228
(8) Verendia vs. Court of Appeals 217 SCRA 417
(9) Gulf Resorts vs. Phil. Charter Ins. Corp. 458 SCRA 550
(10) Philamcare vs. Court of Appeals 379 SCRA 356
(11) Filipinas Cia de Seguros vs. Christern Huenfeld and Co.
89 Phil 54
(12) Grepalife vs. Court of Appeals 316 SCRA 677
(13) San Miguel vs. Law Union Rock Ins. 40 Phil 674
(14) Saura Import vs. Phil. Ins. Co. 8 SCRA 143
(15) Palileo vs. Cosio 97 Phil 919
(16) Ong Ling sing vs. FEB Leasing 524 SCRA 333

Session 4 G. Insurable Interest

July 20, 2019 a. In Life/Health
b. In Property
c. Double Insurance and Over Insurance
d. Multiple or Several Interests on Same Property
(1) Insular Life vs. Ebrado 80 SCRA 181
(2) Southern Luzon Employees Assn. vs. Golpeo 96 Phil 84
(3) Nario vs. Philamlife 20 SCRA 434
(4) Philamlife vs. Pineda 175 SCRA 416
(5) Lopez vs. Del Rosario
(6) San Miguel Brewery vs. Law Union Rock Insurance
Company 40 Phil 674
(7) Cha vs. Court of Appeals 277 SCRA 690
(8) Tai Tong Chua Che & Co. vs. Insurance Commission 158
SCRA 366
(9) Bachrach vs. British American Ass. Co. 17 Phil 555

Session 5 H. Concealment
July 27, 2019 (1) Saturnino vs. Philamlife 7 SCRA 316
(2) Argente vs. West Coast Life 51 Phil 725
(3) Grepalife vs. Court of Appeals 89 SCRA 543
(4) Vda. De Canilag vs. Court of Appeals 223 SCRA 443
(5) Sun Life vs. Court of Appeals 245 SCRA 268
(6) Fieldman's Insurance vs. Songco 25 SCRA 70
(7) Ng Gan Zee vs. Asian Crusader Life 122 SCRA 461

Session 6 I. Representation
July 27, 2019 (1) Harding vs. Commercial Union 38 Phil 469
Session 7 (2) Edillon vs. Manila Bankers Life 117 SCRA 766
Aug. 3, 2019 (3) Insular Life vs. Feliciano 74 Phil 4681
(4) Tan Chay Heng vs. West Coast Life 51 Phil 80
(5) Tan vs. Court of Appeals 174 SCRA 403
(6) Philamcare vs. Court of Appeals 379 SCRA 356

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 (7) Soliman vs. U.S. Life 104 Phil 1046

Session 8 J. The policy

Aug. 10, 2019 (1) Perez vs. Court of Appeals 323 SCRA 613
Session 9 (2) Sindayen vs. Insular Life 62 Phil 9
Aug. 17, 2019 (3) Enriquez vs. Sun Life 41 Phil 269
Session 10 (4) Tang vs. Court of Appeals 90 SCRA 236
Aug. 24, 2019 (5) Bonifacio Bros. vs. Mora 20 SCRA 262
(6) Guingon vs. Del Monte 20 SCRA 1043
(7) Del Val vs. del Val 29 Phil 535
(8) RCBC vs. Court of Appeals 289 SCRA 292
(9) In Re: Mario Chanliongco 79 SCRA 364
(10) Heirs of Maramag vs. Maramag 588 SCRA 774
(11) Coquia vs. Fieldmen's Ins. 26 SCRA 172
(12) SSS vs. Davac 17 SCRA 863
(13) Vda. De Consuerga vs. GSIS 37 SCRA 315
(14) New Life Ent. vs. Court of Appeals 207 SCRA 669
(15) ACCFA vs. Alpha Insurance 24 SCRA 151
(16) Ang vs. Fulton Fire Insurance 2 SCRA 945

Session 11 K. Warranties
Aug. 31, 2019 (1) Ang Giok Chip vs. Springfield Fire & Marine Ins. 56 Phil
375
(2) Young vs. Midland Textile Ins. 30 Phil 617
(3) Gen Ins. Vs. Ng Hua 106 Phil 1117
L. The Premium
(1) American Home Assurance vs. Chua 309 SCRA 250
(2) Phil. Pryce Assurance v. Court of Appeals 230 SCRA 164
(3) Pacific Timber vs. Court of Appeals 112 SCRA 199
(4) Makati Tuscany vs. Court of Appeals 215 SCRA 462
(5) Phil Phoenix vs. Woodworks 92 SCRA 419
(6) Arce vs. Capital Ins. 117 SCRA 63
Session 12 M. Loss
Sept. 7, 2019 (1) Paris-Manila Perfume vs Phoenix Assurance 49 Phil 753
Session 13 (2) FGU Ins. vs. Court of Appeals 454 SCRA 337
Sept. 14, 2019 (3) Pacific Bank vs. Court of Appeals 168 SCRA 1
(4) Malayan Insurance vs. Arnaldo 154 SCRA 672
(5) PHIL. Charter Insurance vs. Chemoil Lighterage Corp.
462 SCRA 77
(6) Geagonia vs. Court of Appeals 241 SCRA 152
N. Reinsurance
(1) Equitable Ins. vs. Rural Ins. 4 SCRA 343
(2) Philamlife vs. auditor General 22 SCRA 135
(3) Artex Dev. Corp vs. Wellington Ins. 51 SCRA 352
(4) Gibson vs. Revilla 91 SCRA 219

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 Session 14 O. Marine Insurance
Sept. 21, 2019 P. Insurable Interest
Session 15 Q. Concealment
Sept. 28, 2019 R. Representation
S. Warranties
(1) Go Tiaco vs. Union Ins. 40 Phil 40
(2) Filipino Merchants Ins. vs. Court of Appeals 179 SCRA
638
(3) White Gold Marine Services vs. Pioneer Ins. 464 SCRA
448
(4) Madrigal vs. Hanson 103 Phil 345
(5) Roque vs. IAC 139 SCRA 596
(6) Philamgen vs. Court of Appeals 273 SCRA 262
(7) PMC vs. Union Ins. 42 Phil 378
(8) Pan Malayan Ins. vs. Court of Appeals 201 SCRA 382
(9) Oriental Assurance Corp. vs. Court of Appeals 200 SCRA
459
(10) Jarque vs. Smith Bell 56 Phil 758

Session 16 T. Fire Insurance

Oct. 5, 2019 (1) Ong Guan Can vs. Century Ins. 46 Phil 592
Session 17 (2) Galian vs. State Assurance 29 Phil 413
Oct. 12, 2019 U. Casualty Insurance
Session 18 (1) Tanco vs. Phil. Guaranty 15 SCRA 313
Oct. 19, 2019 (2) CCC Ins. Corp. vs. Court of Appeals 31 SCRA 264
(3) Villacorta vs. Insurance Commission 100 SCRA 467
(4) Assn. of Baptists vs. Fieldmen's Ins. 124 SCRA 618
(5) Fortune Ins. vs. Court of Appeals 244 SCRA 308

V. Life Insurance
(1) Gallardo vs. Morales 107 Phil 903
(2) Calanoc vs. Court of Appeals 98 Phil 79
(3) Kanapi vs. Insular Life 94 Phil 397
(4) Biagtan vs. Insular Life 44 SCRA 58
(5) Pineda vs. Court of Appeals 226 SCRA 754
(6) CIR vs. Lincoln Phil. Life Ins. 379 SCRA 423
W. Business of Insurance
X. Insurance Companies, Organization, Capitalization and Authorization
Y. Solvency Requirements
Z. Sales Agencies and Technical Services
AA. Security Fund
BB. Mutual Benefit Associations
CC. Insurance Commissioner

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III. REFERENCES AND MATERIALS

Principal References: (Please note that I am not prescribing any specific book but will give specific reading
assignments in addition to the cases which will be posted on the FB groups account)
• PD 612 as amended by R.A. No. 10607
• Civil Code
• Other pertinent laws

IV. COURSE REQUIREMENTS AND GRADING SYSTEM

Course Requirements Grade Description

Breakdown
Class Standing 40% Quizzes, recitation, assignments etc.
Prelim Examination 10%
Midterm Examination 20%
Report Paper (part of class To be submitted a week before the final exam
standing)
Final Examination 30%

V. COURSE POLICIES
1. Students are reminded of the following policies of the University
a. Wearing of proper school attire (Corporate).
b. Wearing of I.D. inside the school.
c. No smoking inside school premises pursuant to City Ord. No. 1895.
d. All cellular phones must be in silent mode during the entire class period.
e. Observance of cleanliness/orderliness within the school premises and inside the
classroom.
2. Attendance will be checked. Any student who exceeds the maximum allowed number of absences
will not be given any credit.
3. Written and oral examinations will be conducted regularly.
4. No special quiz/exam will be given.
5. Cheating will not be tolerated.
6. Make up classes may be held on a pre-agreed time and date

VI. CONTACT AND OTHER INFORMATION

1. Students are expected join the FB group via my official FB Account Rico Leto and to regularly check
the same and their email for any updates. We will also be using Easyclass for the online exams.
2. My email address is sjrlawschool@gmail.com. but I prefer that you just send me a PM through my
official FB Account if you have any concerns,
3. I am available for consultation only during Saturdays at the Faculty Room of the School of Law.
Please note that I do not entertain students in my office.

Note: I may change/amend portions of this syllabus as the need arises. Additional reading
assignments may also be posted on the FB Groups Account.