论保险合同中疑义利益解释原则适用.docVIP

论保险合同中的疑义利益解释原则的适用 ——兼谈对《保险法》第30条的理解和适用 学生:饶水兰 指导教师:罗蓉 摘要 保险合同解释中的疑义利益解释原则，又称不利解释原则，系指在保险单被如此拟制以至可以进行两种解释的情况下，保单用语应当依照最不利于保险人的方式予以解释。为了保护被保险人或者受益人的利益，各国在长期的保险实践中积累发展了疑义利益解释原则，以求为被保险人或者受益人提供救济。接轨国际保险立法，我国《保险法》第30条亦规定了这一解释原则。虽然该条规定对维护被保险人和受益人的利益具有重要意义，但由于该条规定仅对疑义利益解释原则做出了十分笼统和原则的规定，司法实践中，对于该条规定应如何适用这一问题，存在着诸多争议。本文拟就疑义利益解释原则的适用条件和适用范围作一浅探，以求对正确理解和适用《保险法》的该条规定有所裨益。 关键词: 保险合同解释；疑义利益解释原则；疑义利益解释原则适用。 Describe the Doubtful point interests explain the principle in Contract of insurance — And concurrently the one that discusses to article 30 of law of insurance is understood and properly used Student: Shuilan Lao Supervisor: Rong Luo Abstracts In the Doubtful point interests explain the principle in Contract of insurance, means “in a situation that the insurance policy is made and can carry on two kinds of explanations, Characters of the insurance policy，Should explain according to the way most unfavorable to the insurer.” In order to protect the interests of the assured or the beneficiary, various countries are in the long-term insurance practice have accumulated and developed the doubtful point interests explain the principle, offer the relief to the assured or the beneficiary. Integrate the international law of insurance, article 30 of law of insurance of our country has stipulated this principle too. Though this regulation is significant to interests safeguarding the assured and beneficiary, But because this regulation only explains to doubtful point interests the principle has been made very with the regulation of the principle generally, in the judicial practice, as to the thing that how should this regulation applicable to this question, there are a great deal of disputes. This text explains to doubtful point interests suitable terms and scope of application of the principle carry on the discussion, in order to to correct to understand and properly use the beneficial regulation of law of in