对保险合同疑义利益解释原则的反思

我国现行保险法中有关疑义利益解释原则的规定过于空泛笼统,缺乏可操作性,容易导致司法实务中的误用和滥用现象,既违背了立法目的,又不利于构建保险业健康发展的法律环境。再加上保险合同的特殊性与疑义利益解释原则的客观依据和法理基础相冲突,弱化保险合同疑义利益解释原则,构建新的保险合同条款争议解决机制,尤其注重诚信原则的运用和把保险合同纠纷确定为调解前置案件,是解决保险合同条款争议的一种新思路。

Current rules about Sponsored Match in China Insurance Law are too vague,general and of little feasibility that they lead to misuse and abuse easily in judicial practice.They are contrary to legislative intent and not good for constructing a legal environment that is good to develop the insurance industry.And the speciality of insurance contract collides with the objective and legal basis of Sponsored Match.So it is a new way to solve the dispute of insurance contract terms with weakening Sponsored Match,constructing a new insurance contract terms dispute settlement mechanism,with special emphasis on the use of good faith principle and identified insurance contract dispute as pre-mediation cases.