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适用合理期待原则的正当性在于:规制保险合同超级附合性、规制保险交易信息不对称、弥补现有保险立法规制手段不足、实现合同公平正义。该原则的适用不必受制于格式条款须有疑义的前提。“明示条款须严格遵守”的基础理念已经动摇,故合理期待原则未违反一般合同法规则。该原则的适用应置于传统合同规制工具之后。期待的“合理性”应从合同当事人两方的角度分析。期待的“客观性”表现为:该种期待符合普通理性的“外行人”的期待且存在其他外部证据支持这种期待。强化版合理期待原则应作为缔约控制的指导思想,折中版合理期待原则应作为合同解释规则,以此构建合理期待原则适用的双重逻辑。
The legitimacy of applying the principle of reasonable expectations lies in the following aspects: regulating the super-compatibility of insurance contracts, regulating the asymmetric information of insurance transactions, making up for the inadequacy of existing insurance legislation and regulations, and realizing fair and just contracts. The application of this principle does not need to be subject to the premise that there should be no doubt about the format clauses. “The explicit terms to be strictly observed ” The basic idea has been shaken, so the principle of reasonable expectations did not violate the general rules of contract law. The application of this principle should be placed after the traditional contractual instruments. Expected “reasonableness ” should be from the perspective of both parties to the contract analysis. The expectation of “objectivity” is manifested in that such expectations are in line with the common rational “layman” expectations and there is other external evidence to support such expectation. The principle of strengthening reasonable expectation should be taken as the guiding ideology of contracting control. The principle of reasonable expectation of compromising version should be regarded as the rules of contract interpretation in order to construct the double logic applicable to the principle of reasonable expectation.