疑义利益解释原则解析——兼论我国《保险法》第31条的完善

The on-behalf-of-applicants doctrine and the perfection of Article 31 in China's insurance law

疑义利益解释原则是解释保险合同时必须遵循的一个基本原则,它的产生从而适用都有其特定的前提条件。在该原则的理解和运用中要特别注意,争议不等于疑义,有疑义也未必要作对投保人有利的解释,而当存在多种有利解释时应该选择最有利的解释。我国《保险法》第31条的规定存在严重缺陷,必须根据具体问题具体分析的大原则进行完善,以适应实践中个性化特约条款备受重视和非格式化保险合同大量出现的新情况。

The on-behalf-of-applicants doctrine is the basic doctrine of interpretation of insurance contract clauses, the origin and the application of the doctrine are all based on some presupposition. Disputation is not equal to ambiguity. It is not necessary to interpret the ambiguous clause on behalf of the applicant of an insurance contract. The most beneficial interpretation must be chosen when there are more than two kinds of interpretations of a clause. The article 31 in China's insurance law must be amended because of serious defects in order to adapt itself to the new reality of insurance.