A Study On The Principle Of Expectation Of Insurance Rational Expectation

With the development of capitalist economy, social economic level has been improved greatly. Under this economic background, on the one hand, people in order to meet the needs of the development of the society pay more attention to the social efficiency, on the other hand, all sorts of areas are gradually turned to mechanized production, people are faced with the danger also gradually increasing. These changes have great influence on insurance sector itself, the insurance industry joined the "reform". The most obvious change is the underwriter in order to improve efficiency, meet the needs of a growing number of policy-holder, draw up the contract in advance before insurance contract concludes, also is what we now call the format of the contract. Format a formal application in the field of insurance contract has changed the traditional conclude insurance contract, in the form of the interests of the policyholders face greater risks than before. Uses its advantage position in order to avoid the insurer to damage the interests of the policy-holder and insurance generates a reasonable expectation principle.This article based on the connotation of the reasonable expectation principle, characteristics, application condition and reasonable expectation determine, this paper illuminates the principle of insurance reasonably expected value.Finally through to the legislation of insurance law in our country and the existing problems in the judicial analysis, summed up the reasonable expectation principle to our country legal reference value and concrete Suggestions are put forward.