论我国专业术语在保险合同中的解释方法——兼析保险法司法解释(二)第十七条

The Interpretation of Technical Terms in the Insurance Contract——Also on Insurance Law Judicial Interpretation (two) Article XVII

由于专业术语在保险合同中的解释方法不明确,实践中很多保险纠纷难以得到有效的解决。目前常见的专业术语解释方法主要有三种:按通常意义解释、满足被保险人的合理期待和不适用疑义利益解释原则。但是从尊重立法原意、注重当事人之间利益平衡和适用的社会效果的角度出发,一般将专业术语区分为非保险专业术语、保险专业术语和特殊类型的专业术语,对不同类型的专业术语采用不同的解释方法。除此之外,在疑义利益解释原则的适用上,应该根据保险合同双方当事人地位的悬殊程度来决定该解释原则适用的严格程度。

As the method to explain jargon in the insurance contract is not clear,many insurance disputes are diffi-cult to be addressed effectively in practice. Now jargon is explained mainly in three ways: the usual meaning,the legiti- mate expectations of the insured person and not taking the Doubt Benefit Principle. But on the basis of the respect for the legislative intention,focusing on the balance of interests among the parties and the social effects,jargon terms gener-ally are divided into non- insurance terms,insurance terms and special types of terms and different types of terms use different methods to interprete. In addition,how strict the use of Doubt Benefit Principle should be is supposed to be based on the status of the parties in an insurance contract.