有利解释原则起源于罗马法“有疑义应为表意者不利益之解释”的规则,已为世界上大多数国家和地区的立法和司法实践所推崇。有利解释原则的适用导致有利于投保人而不利于保险人,为达到双方当事人利益平衡,必须对该原则的适用严加限制。 The principle of favorable explanation originated from the Roman law “The rule that” doubtfulness should be interpreted as the disinterested person "has been advocated by the legislative and judicial practice in most countries and regions in the world. The application of the principle of favorable explanation results in the benefit of the policy holder and the insurer. To achieve the balance of interests of both parties, the application of the principle must be strictly limited.