Practice question
A party asks the other for an objective known medical diagnosis and for the other’s personal judgment about a proposed risk. The other says Section35 excuses both. Explain the distinction, including the good-faith communication rule in Section28.
Legal references
- Insurance Code as amended RA10607: https://lawphil.net/statutes/repacts/ra2013/ra_10607_2013.html Sections28–30 and32–35.
- Intestate Heirs of Monera v. Manila Bankers Life, GR246446, January28 2026, Dimaampao MAIN decision: https://elibrary.judiciary.gov.ph/thebookshelf/showdocs/18/70461 MAIN ruling on short-term group life policies, discussion following Section234(b).
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