2024 Higher Education Learning Solutions Catalog

REGULATORY FRAMEWORK AND LEGAL ISSUES IN BUSINESS II

Citizen’s Charter  Form and Content of the Citizen’s Charter  ‡•’‘•‹„‹Ž‹–‹‡•‘ˆ ‘˜‡”‡–‰‡ ‹‡•  ‘—–ƒ„‹Ž‹–›‘ˆ–Š‡ ‡ƒ†‘ˆ‰‡ ›‘”ˆˆ‹ ‡ ‡•’‘•‹„‹Ž‹–‹‡•‘ˆ–Š‡—–Š‘”‹–› ‡”‘Ǧ‘–ƒ –‘Ž‹ › –‡”ƒ –‹‘•–Šƒ–ƒ”‡–”‹ –Ž›‡ ‡••ƒ”› —•‹‡••‡‰‹•–”ƒ–‹‘›•–‡  ‘—–ƒ„‹Ž‹–›‘ˆ ‡ƒ†•‘ˆˆˆ‹ ‡•ƒ†‰‡ ‹‡•  ‡••‹‰ ‘˜‡”‡–‡”˜‹ ‡•  –‹‘‘ˆˆˆ‹ ‡• ‡‹ƒŽ‘”‡“—‡•–ˆ‘” ‡••–‘ ‘˜‡”‡–‡”˜‹ ‡

Ͷͺͻ ͶͻͲ Ͷͻͳ Ͷͻʹ Ͷͻʹ Ͷͻ͵ Ͷͻ͵ ͶͻͶ ͶͻͶ Ͷͻ͹ Ͷͻͻ ͷͲͳ

•—”‡† ‡‡ˆ‹ ‹ƒ”› ͷͷͶ Š‘ƒ”‡†‹•“—ƒŽ‹ˆ‹‡†ˆ”‘„‡‹‰†‡•‹‰ƒ–‡†ƒ•„‡‡ˆ‹ ‹ƒ”‹‡•ǫ ͷͷͶ  ͵   ͷͷ͸  Ͷ ͷ͸ʹ  ͷ  ͷ͸ͺ ˆˆ‹”ƒ–‹˜‡‡’”‡•‡–ƒ–‹‘ ͷ͸ͺ ”‘‹••‘”›‡’”‡•‡–ƒ–‹‘ ͷ͸ͺ  ‘–‡•–ƒ„‹Ž‹–›Žƒ—•‡ ͷ͸ͻ  ͸   ͷ͹͵ •—”ƒ ‡‘Ž‹ › ͷ͹͵ ‹†‡” ͷ͹Ͷ ”‘—†•ˆ‘” ƒ ‡ŽŽƒ–‹‘‘ˆƒ‘ǦŽ‹ˆ‡‘Ž‹ › ͷ͹͸  ͹  ͷ͹ͻ ˆˆ‡ –‘ˆ„”‡ƒ Š‘ˆ™ƒ””ƒ–› ͷͺͲ  ͺ  ͷͺͲ Š‡ •—”‡†‹•–‹–Ž‡†–‘‡–—”‘ˆ”‡‹— ͷͺͷ  ͻ ͷͺ͸ ‘••‹ •—”ƒ ‡ ͷͺ͸  ͳͲ   ͷͺ͹  ͳͳ  ͷͺͻ ‡“—‹•‹–‡•‘ˆ‘—„Ž‡ •—”ƒ ‡ ͷͺͻ  ͳʹ  ͷͻͳ ƒ —Ž–ƒ–‹˜‡‡‹•—”ƒ ‡ ͷͻͳ ”—‡‘” ƒŽ•‡ ͷͻʹ —Ž–‹’Ž‡Š‘‹ ‡—‡•–‹‘• ͷͻ͵ CHAPTER II CLASSES OF INSURANCE ͸Ͳʹ  ͳ   ͸Ͳʹ Ǧ ͳǦ    ͸Ͳʹ ƒ”‹‡‹•‘–‡˜•Ǥƒ”‹‡’‡‘Ž‹ › ͸Ͳ͵ “All Risk” Insurance  ͸Ͳ͵ ‡”‹Ž•‘ˆ–Š‡Š‹’˜•Ǥ‡”‹Ž•‘ˆ–Š‡‡ƒ ͸Ͳ͵ ƒ””ƒ–”› ͸ͲͶ Ǧ ͳǦ   ͸ͲͶ Šƒ”–‡”‡” ͸ͲͶ Ǧ ͳǦ ͸Ͳͷ Ǧ ͳǦ  ͸Ͳ͸ Ǧ ͳǦ    ͸Ͳ͸ —„”‘‰ƒ–‹‘ ͸Ͳͺ ‘ ’Ž‹‡†ƒ””ƒ–›‘ˆ‡ƒ™‘”–Š‹‡•• ͸Ͳͻ Ǧ ͳǦ      ͸ͳͲ ”‘’‡”‡˜‹ƒ–‹‘ ͸ͳͳ Ǧ ͳǦ  ͸ͳͳ ƒ—•‡•‘ˆ –—ƒŽ‘•• ͸ͳʹ Ǧ ͳǦ  ͸ͳ͵ ‘•–”—‡†ƒ•ƒ ‡’–ƒ ‡ ͸ͳͷ Ǧ ͳǦ     ͸ͳͷ ͷͷͶ

‹‹–ƒ–‹‘‘ˆ‹‰ƒ–‘”‹‡• ͷͲͳ Ž—‡–Š–‘”‘”‹œ‹ƒ–‹‘•‡”•‹‘• ‘ˆ ‹ ‡•‡•ǡ ‡”‹–•ǡ ‡”–‹ˆ‹ ƒ–‹‘• ‘” ͷͲʹ †‘’–‹‘‘ˆ‘”‹‰ Š‡†—Ž‡•–‘‡”˜‡Ž‹‡–• ͷͲʹ †‡–‹ˆ‹ ƒ–‹‘ƒ”† ͷͲ͵ •–ƒ„Ž‹•Š‡–‘ˆ—„Ž‹ ••‹•–ƒ ‡ƒ†‘’Žƒ‹–•‡• ͷͲ͵ ‡—”––‘‹ˆ‹ ƒƒ––‹‹‘ƒ’’†”‘˜—ƒ–ŽŠ ‘‘””‹œƒ—–‹–‘‘ ƒ–‹  š–‡•‹‘ ‘ˆ ‹ ‡•‡ǡ ‡”‹–ǡ ͷͲͶ –Ž‡”‡ƒƒ”ƒŽ‹‡‡•ǡ† ‡””‘‹‡–†•ǡ—”‡‡”•– ˆ‹‘ˆ‹”ƒ–Š–‹‡‘•••‘—”ƒ—‡–Š‘‘ˆ”‹‘œƒ–ƒ‹Ž‘ —••‹‡•• ‹ ‡•‡•ǡ ͷͲ͹ –‡” ‘‡ –‹˜‹–› ˆ”ƒ•–”— –—”‡‡˜‡Ž‘’‡– ͷͳ͸ –‹Ǧ‡†ƒ’‡‹–ǡ—–Š‘”‹–›ǡƒ†‘— ‹Ž ͷͳͻ –‹Ǧ‡†ƒ’‡‹– ͷͳͻ ‘™‡”•ƒ† — –‹‘• ͷʹͲ ‘ƒ—†ƒ‹–Ž‡‘ˆ–Š‡ƒ•‡‘ˆ‘‹‰—•‹‡••ƒ†–‹Ǧ‡†ƒ’‡†˜‹•‘”› ͷʹʹ ‡’‘”–ƒ”†—”˜‡› ͷʹ͵ ——Žƒ–‹˜‡ƒ–—”‡‘ˆˆˆ‡•‡• ͷʹͷ ‡ƒŽ–›ˆ‘” ‹š‹‰ ͷʹͷ †‹‹•–”ƒ–‹˜‡‹ƒ„‹Ž‹–›‹‡Žƒ–‹‘–‘–Š‡”Šƒ”‰‡• ͷʹ͸ ‘‡ ‡‡–‘ˆ –‹‘•ǡ˜ƒŽ—ƒ–‹‘ǡƒ† ˜‡•–‹‰ƒ–‹‘ ͷʹ͹ —Ž–‹’Ž‡Š‘‹ ‡—‡•–‹‘• ͷ͵ʹ   THE INSURANCE CODE/REPUBLIC ACT NO. 10607 GENERAL PROVISIONS ͷͶͷ •—”ƒ ‡‘–”ƒ – ͷͶͷ Ž‡‡–•‘ˆƒ •—”ƒ ‡‘–”ƒ – ͷͶ͸ ‡•–‘ˆ •—”ƒ ‡‘–”ƒ – ͷͶͺ –‡”’”‡–ƒ–‹‘‘ˆ •—”ƒ ‡‘–”ƒ –• ͷͶͺ Šƒ”ƒ –‡”‹•–‹ •‘ˆƒ •—”ƒ ‡‘–”ƒ – ͷͶͻ Žƒ••‡•‘ˆ •—”ƒ ‡‘–”ƒ – ͷͷͳ CHAPTER I THE CONTRACT OF INSURANCE ͷͷ͵  ͳ   ͷͷ͵  ʹ   ͷͷͶ •—”‡” ͷͷͶ

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