保险合同解释方法适用问题研究

Research on the Application of the Interpretation Method of Insurance Contract

保险实践中,保险合同条款绝大多数是由保险人单方拟定的专业性较强的格式条款,当事人在履行过程中往往因对其真实意思产生理解上的偏差而引发争议。司法裁判中,法院对保险合同格式条款的解释结论直接影响到利益归属。本文认为,明晰保险合同解释一般方法与疑义利益解释规则的逻辑关系,合理运用疑义利益解释规则对专业性较强或意思含混的格式条款作出解释,有助于实现保险合同利益的平衡。

In insurance practice,the vast majority of insurance contract terms are professional standard terms formulated by the insurer unilaterally,and the parties often cause disputes due to the deviation of their true meaning in the process of performance.In judicial judgm ent,the court's interpretation of the standard terms of insurance contract directly affects the ownership of interests.This paper holds that it is helpful to balance the interests of insurance contracts by clarifying the logical relationship between the general methods of interpretation of insurance contracts and the rules of interpretation of doubtful interests,and the rational use of the rules of doubtful interests to interpret the professional or ambiguous standard terms.