【正文】
and the character of the life insurance is pensatory insurance, and the insured can’t earn profit because of illnesses or unintentional injury. Because there are provisions in the law, the discretionary power of the judges is larger, and the results that different courts hear are amendment of Insurance Law of the People’s Republic of China in the year has taken effect, provides a clear legal basis for resolving new issues in the insurance market, and so provides with important legal values and social values. But it didn’t amend about the applicable scope. The mainstream view of the theory horizon thinks that the principle of pensation not only applies to property insurance, but also applies to some of person insurances, like additional medical expenses insurances of health insurances or accident injury insurances. The author also supports this paper consists of four parts. The first part is discussed the basic loss pensation principle theo