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保险的实现是通过保险合同来完成的,履行保险合同过程中常会出现纠纷,而纷争也大多是由于合同语言的歧义或含糊引起的,此时,保险合同的解释就显得至关重要了。我国的保险和保险法律制度相对于发达国家来说,还处于起步阶段。1995年6月30日颁布了《中华人民共和国保险法》,这部法律也吸收和借鉴了国外保险立法的成功经验,在合同解释上规定了疑义利益解释规则,但仅此一条,没再规定其它的方法,而且《合同法》中关于合同的解释方法也是非常原则的,使得在保险合同纠纷的司法过程中缺乏一定的可操作性,或者操作过于简单和粗略。那么,如何确立良好的解释规则并正确运用,使合同的实现更显公平、正义,真正做到最大诚信,这是进行解释的最终目的。
The realization of insurance is accomplished through the insurance contract. Disputes often occur during the performance of the insurance contract, and the disputes are mostly caused by the ambiguity or vagueness of the contractual language. At this moment, the explanation of the insurance contract is crucial. China’s insurance and insurance legal system is still in its infancy relative to the developed countries. June 30, 1995 promulgated the “Insurance Law of the People’s Republic of China”, this law also absorbs and draws on the successful experience of foreign insurance legislation, the interpretation of the contract provides for the interpretation of the rules of doubt, but only this one no further provisions of the other The method of contract interpretation in the Contract Law is also very principled, which makes it lacks certain maneuverability in the judicial process of insurance contract disputes or the operation is too simple and crude. So, how to establish good rules of interpretation and apply them correctly to make the contract more fair, just and truly honest, which is the ultimate purpose of explanation.