With the development of the undertaking of the insurance, the behavior of swindling the insurance compensation is complicated increasingly, besides the traditional policy holder, the insured or the beneficiary, the other people can also utilize contract of insurance to swindle insurance compensation .
The "utmost good faith" , one of the basic principles in the field of the insurance law, combined with the specific obligations and institutions derived from it, has become an important means to correct the information dissynmetricity and balance the interests of the parties of the insurance contracts.
"最大诚信"(utmost good faith)作为保险领域的基本原则之一,结合其所派生的具体制度,已经成为矫正信息不对称、平衡保险合同当事人利益的重要手段。
In the PRC Insurance Law, it only prescribed the concept of double insurance, which can not settle the problem of how to abide by the principle of compensation for the damage when several insurance contact exist simultaneously. So it is necessary for us to introduce the concept of insurance concurrence and research it in order to make our law perfect.
Because the format of the insurance contact item and the minority position of the policy , insurance lawregulates it is the duty of the insurer to give a clear explanation ,so as to strengthen the stipulation toward the format contact , equilibrium both parties's benefits and correct their inequality position.
With Integrated Health Care, new types of markets will emerge: not only a market for health care services, but also for insurance contracts, and for provision of care.
Optimal insurance contracts when establishing the amount of losses is costly
This paper identifies comparative statics results for insurance contracts that distinguish between various models of decision making under risk-specifically, expected utility, rank-dependent expected utility, and weighted utility.
Insurance contracts offer full coverage above a deductible.
(3) Normal insurance contracts, with heavy copayments for small losses but little charge at the margin for large ones, perform poorly when the insured can tradeoff probability and size of loss-a phenomenon we label distribution distortion.