我国保险合同“不利解释”实务之思考

On the Application of the Principle of Disadvantageous Interpretations of Insurance Contracts in China

我国保险合同解释直接关系到投保人或被保险人真实意思之实现,在司法实务中,我们应该注意不利解释与保险人说明义务之间的关系,要同时适用其他解释法则丰富和充实不利解释的内容,而且还应以普通人的智识去理解保险合同疑义条款。

The interpretation of insurance contracts is directly related to the realization of the policy-holder＇ s or the insured＇ s intention. We should pay attention to the relations between the disadvantageous interpretations and the insurer＇ s duty to explain the terms. Meanwhile, other principles in the interpretation of contracts should be used to enrich its content. Further more, the comprehension of doubtful points in insurance contracts should be based on everyman＇ s wisdom.