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1. Parties: Identification of the insurance company and the policyholder/insured

2. Background: Context of the insurance agreement and purpose of coverage

3. Definitions: Detailed definitions of key terms used throughout the agreement

4. Scope of Coverage: Detailed description of what risks and events are covered under the insurance

5. Premium Payment Terms: Premium amount, payment schedule, and payment methods

6. Policy Period: Duration of coverage, effective date, and renewal terms

7. Claims Procedure: Process for filing claims, required documentation, and timeframes

8. Exclusions: Specific situations, events, or conditions not covered by the insurance

9. Obligations of the Insured: Policyholder's responsibilities and duties under the agreement

10. Termination and Cancellation: Conditions and procedures for ending the insurance coverage

11. Governing Law and Jurisdiction: Specification of Philippine law application and dispute resolution

12. Data Privacy and Confidentiality: Terms regarding handling of personal information and confidential data

1. Schedule of Benefits: Detailed breakdown of coverage amounts and specific benefits

2. Premium Schedule: Detailed premium calculations and payment structures

3. Property Schedule: For property insurance - list of covered properties and their values

4. Claims Documentation Requirements: List of required documents for different types of claims

5. Policy Endorsements: Additional coverage or modifications to standard policy terms

6. Exclusions List: Detailed list of all excluded events, conditions, and circumstances