新保险法中疑义利益解释原则的司法适用分析

保险合同解释中,最具特色同时在法律适用实践中争议最多的原则是疑义利益解释原则。疑义利益解释原则的创设和援引原则是针对保险人与投保人或被保险人之间不平等的交易地位而进行司法调整以实现公平交易,并体现对保险交易中的弱势群体倾斜性保护的价值关怀。新修订的《保险法》明晰了疑义利益解释原则的适用对象和法律适用前提。对保险合同基本条款发生争议时,不应随意采用疑义利益解释原则,司法实践中应避免出现该原则适用片面化和扩大化的现象。

In the interpretation of insurance contracts,Doubt Interests Explanation Principle is the most unique as well as the most controversial one in the practice of legal application.The establishment and application rules of Doubt Interests Explanation Principle is to judicially adjust the unfair status between the underwriter and policy-holder or insurant to realize fair trade,and to show the value concerns with the trading vulnerable groups and show the protection to them.The newly revised ＂Insurance Law＂ defines the principle object and legal application premise of Doubt Interests Explanation Principle.If disputes on the insurance contract items happen,Doubt Interests Explanation Principle should not be employed at will,and in judicial practices the principle should not be applied one-sidedly and broadly.