论保险合同疑义利益解释原则  

On the Rule of Insurance Contract Interpretation

作　　者：李秀芬[1] 

机构地区：[1]山东大学威海分校法学院,山东威海264209

出　　处：《法学论坛》2008年第1期52-57,共6页Legal Forum

摘　　要：我国保险法对保险合同疑义利益解释原则只作了一条简单的规定(即保险法第31条),以至于司法实践中,常将该原则适用于合同的一切争议,误用于一切类型的合同条款,并将该原则视为保险合同解释的单一原则。疑义利益解释原则的适用是有其条件的,一方面,保险合同条款确实存在"歧义";另一方面,只有在用尽其它解释原则仍不能解释保险合同疑义时方可适用该原则。疑义利益解释原则适用的范围只限于由保险人拟定的条款,而由保险人和投保人协商的特约条款和法定保险条款不宜使用。当被保险人与保险人的总体谈判实力相当,或被保险人与保险人均为保险公司的情况下,也不应当使用疑义利益解释原则。There is only one rule （Insurance Code 31 ） In China to interpret insurance contracts with ambiguity. Our justice system frequently uses or misuses this rule as the sole tool to resolve this ambiguity. The requirements to apply this rule are： the contract has two possible meanings; have already exhausted other means to interpret with no resolution.This rule can only be applied to the terms that were written by the insurer and the insured is the weaker party of the contract; it cannot be used to interpret the terms that were negotiated by both parties or were stipulated by the government agency. Also if both parties are insurance companies with equal strength or equal bargaining power and the contract was hand written then this rule will not apply.

关 键 词：保险合同 疑义 解释原则 适用条件 适用范围 

分 类 号：D922.284[政治法律—经济法学]