May "K" ang misis na kuhanan ng insurance ang mister

ni Atty. Persida Rueda-Acosta - @Magtanong Kay Attorney | August 20, 2022

Dear Chief Acosta,

Maaari ba akong kumuha ng insurance policy para sa aking asawa upang maihanda kami kung sakaling siya ay pumanaw? Ako at ang aking anim na anak ay umaasa lamang sa kinikita ng aking asawa. - Janna

Dear Janna,

Para sa inyong kaalaman, sang-ayon sa Seksyon 11 ng Presidential Decree No. 612, as amended by Republic Act No. 10607, o mas kilala bilang “The Insurance Code” na:

“Section 10. Every person has an insurable interest in the life and health:

1. Of himself, of his spouse and of his children;

2. Of any person on whom he depends wholly or in part for education or support, or in whom he has a pecuniary interest;

3. Of any person under a legal obligation to him for the payment of money, or respecting property or services, of which death or illness might delay or prevent the performance; and

4. Of any person upon whose life any estate or interest vested in him depends.” (Binigyang-diin)

Inilahad pa sa kasong Violeta R. Lalican v. The Insular Life Assurance Company Limited (G.R. No. 183526, 25 August 2009) na isinulat ng Kagalang-galang na Kasamang Mahistrado Minita V. Chico-Nazario, ang kahulugan ng insurable interest. Ayon sa nasabing kaso:

“An insurable interest is one of the most basic and essential requirements in an insurance contract. In general, an insurable interest is that interest which a person is deemed to have in the subject matter insured, where he has a relation or connection with or concern in it, such that the person will derive pecuniary benefit or advantage from the preservation of the subject matter insured and will suffer pecuniary loss or damage from its destruction, termination, or injury by the happening of the event insured against. The existence of an insurable interest gives a person the legal right to insure the subject matter of the policy of insurance.”

Sa iyong sitwasyon, bilang asawa at dahil ikaw at ang iyong mga anak ay nakadepende sa iyong asawa, maaari kayong kumuha ng insurance policy para sa kanya dahil kayo ay mayroong insurable interest sa kanya. Ito ay dahil sa koneksyon ninyo sa iyong asawa, kung saan malinaw na magdudulot ng kapakinabangan ang kanyang preserbasyon at magdudulot naman ng kawalan ang kanyang pagkawala.

Sana ay nabigyan namin ng linaw ang iyong katanungan. Ang payong aming ibinigay ay base lamang sa impormasyon na iyong inilahad at sa pagkakaintindi namin dito. Maaaring magbago ang aming payo kung mababawasan o madaragdagan ang mga detalye ng iyong salaysay.

Maraming salamat sa inyong patuloy na pagtitiwala.