} Hoje Me Alo. _______ CONCEAL MENT Great Pacific. Life Accutane Corp WS. —Count oF _Appenis, ORAL October, 13, 449 a A contact of group_of lie insurance was executed betwen Great Fachc Lile Accurance Corporation : and Deve lopment Bank of the Philippines The : Atcuconce Corporation agreed to insure the lives _ of eligible housing lc _Inarh gaxgors of Deve lopmost Bank, i On Movember Uy 1463, Wilfedy leuteno, a ___physician_andl_a_housing dleblo_of DBP applied fe __ membership in the group life imturance plan te answered all in negative the questions pertaining hig hell condition that he did not yublered any illness and he shaled that be is in good A health. a the Great Pacific Life issued Cotbficale Be L868, as insurence coverage. of Mr. Leuk , tb the oclent_of _his DBP_rortgage indebledinecs. Comsequenly a _Leuter'n died and the. _bBP sabmitkd a decth claim to the Great i —___ Pacibie. like, bat the lather denied, claiming that Dr.’ Levdeny was tnt Yn gd healt when be applied for insurance Oueeg gp. Scanned with CamScannerThe _ Greot Vacific Like Assurance —insiskd that |____ De Lederto id nok disclose. that he had been Sa: ng, from hyper lensin whic, caused _his decd. Alege Such nom disclosure, conshidakd concealer? — thet shed the denial of the chim. ol a the widow of the deceased filed a ——Coinpliat agains} the insurance company alleging That his _bushan ch wes suffved of headache pes nably due fo high Iood., But the body of the dewased wos nob autopsied , bene a fren comes wet ot ruled cod. the : Issue: Whether or mot Je euler ‘ied ll to disclose that he had hy per kersion and i oe the Great Paci fe life can inky posed Insurance contac. A RUCING: Ho there & no conceal ment and 5 the Great Pautre Uke _ camo inkepued Cone alment as 6 Oekeny fb annul the insaccnce Contregl. the Geet Lik Asta rame Failed Pio eal Yo We eae fled Hee Covteglment, the freuglulent _inkerk on the. pact_ot the innwed mast be ertablthed b i entitle the insurer to vercind the cna Baz thee {wes 6 prot thet the erected Suflered fom hyper dension» Scanned with CamScannerMIS RE PRE SENTATION, | NG GAN ZEC Us. ASIAN CRUSADER GR! Ho. 36608 | May 30, 1463 Se OG Niiong Non appli ee ig endowment thts oe re nd wil ke ug ——— Ng Gan Zee as bene ficiary. On the Same ai —day,_ the Asiqn Coaseder , upon receipt of the Fequired premium ftom the_ insured, Gpproved. th oo Applicaton and issued the coresponding policy. Kwong Nam died of liver camer a \ wih, nclictaie. All premiums hed heen paid ao atthe fine of his death = 4 — the ui submited 4 claim for — payment of the policy and sulmithd the Fequired proof ot death of hg husband Bat the itsian Craséder denied the chim on the ground thet the answes given by the inswed to the questions in his applicaon were __uniue. The ut bought th athe be the he attention of Jvrgurqne Commissioner a the lable ardured the Asian Crusader fy fay the fall face Gale of the policy. : the Asign _C/aSader denied the order — conkeding Pht the deceased _inswed a gui hy ok mis. nepe sentation when he gat 7 a rmBleading nd fale medical infirmabin as 4 hd ollnent- the Company Scanned with CamScannerTi hes been held thal the concealment or _____ hecause_of : Paling OR the Asian Crusader was not further conendedt that the deceased was operabed_an foe_pephe ule 2 Yeows befine the policy was applied Lssye: Whether oc rot the Asion Croscder was de ceived by the deceased inured t_mis representation. deceived by the deceased! insured because, 64 _mistepresentation. mise presentabien _ hast in the obsene, of iinguines_, be _ ot only material , but faudulent or the Fick mash have _ been _inknho nally withheld. Fraudulent inkst on the _pact_of- the incwed rust be established 4 enbtle the insuner Fescind the _conbrack. the nis representation as 4 delenge of te imum bh suid ie bid is an aBirmative deftme- the duby b establch such ¢ defense __ teats upon the inser. Tt bears empbass thet Huong Nat» hed inbred the appellants nedical eraminer_of fe tumor, His ctahement that said _temar wes associated with uleer shoulf be construed as Qn _eypeession _mede_ih gvocl bath of he helel ab the nabee of hz ailent at gern, Though the Comnunieabion was Dmperket : - f the sere was subbiciest 'o wake the Prsyrer > hee inguidty okt the — callmenl-- Scanned with CamScannerBREACH OF Wanantiés. GENERAL TUsomace SURETY Coto RATION WING HUA, GR No 373 Jan. 3,140. SS ae tn_1452, General Lnsurance_iscwed a tre policy fy ly flag case the conerk of Hf lenkral fomade. Factory owned by hin. thee was G _prov'sion_in the policy thet should the. be any a —Ihcurance already efecled or _b be cub sequently : —___pocured , te red tlie ele th nso a Ng Bua declaved thet thee was pone. The ten __ pet day , the building ard _the goods shred therein. burned. Subsequently, the clain of Ng tug fr a the proceeds _was denied by. beneral sme fh Adiscouered thet Ho Hua had _ghtaineel an insurance fism —_beneral Indennity tr the sane goods ard fir the sine period of tng. Lssue: (Whether or not there was breach ot warranty by No Hua. Ruling Nes, thee was breach of wevranly, by fy bea, ~The amotahion rast be deemed b bea eran ak the_pre wos ot insured by Gy other policy. Violation theeot anbhles the. igure b rescind The _matriahty of hon diicasure Scanned with CamScannerot other i policies i rot open bo cloubt.. Father more» event the annotations were overlooked the insurer wouldl stl) be_free_ om lio bib because thee. is ho ques bon that the po Noy issued by “beneea! dndlemum'ty had not been shked ih hor ehdorsed on Policg Na. 41 of cekndant. Aad as_shpu lakd ine poo o_ Such policy “all benefit ander this policy shell be Prkeikd. Scanned with CamScanner