如何正确理解和适用保险合同的解释原则——完善我国保险合同解释制度的一点建议

How to Understand and Apply the Interpretation Rule of Insurance Contract Properly-Some advice on perfecting our system of interpretation of insurance contract

保险合同是一种典型定型化合同,当合同双方当事人对合同条款的理解发生争议,乃至引起仲裁 或诉讼时,该如何正确理解和适用保险合同的解释原则,以避免滥用《保险法》第30条的规定而 造成一种形式上公平而实质上不公平的结果?我们认为,对于保险合同条款的解释应遵循合同 的一般解释原则,并在立法上规定一些相应的技术性规范加以补充,对其疑义利益解释原则应有 选择地适用。

Insurance contract is a typical standard contract. When the two parties dispute with an article of the contract, even to an arbitration or a lawsuit, it is the question that how to understand and apply the interpretation principles of insurance contract properly and how to avoid abusion of Article 30. of the Insurance Law, which will lead to formal justice instead of substantial justice. We hold that it should follow the general interpretation principles of contract to interpret the article of insurance contract,and stipulate some relevant technical nature standards to supplement the interpretation in legislation, and apply the verba chartarum fortius accipiuntur contra proferentem rule properly as well.