“有利于被保险人的解释原则”的适用 《保险法》第３０条规定：“对于保险合同的条款，保险人与投保人、被保险人或者受益人有争议时，人民法院或者仲裁机关应当作有利于被保险人和受益人的解释”。要正确理解此法条的表述，应从两方面考虑。 适用范围。当保险合同订立后，当 Article 30 of the Insurance Law applicable to the principle of interpretation of the insured states: “Where there is a dispute over the terms of an insurance contract between the insurer and the policy holder, the insured or the beneficiary, the people’s court or the arbitration organ shall make Conducive to the insured and the beneficiary’s explanation. ” To correctly understand the expression of this law, we should consider it from two aspects. The scope of application. When the insurance contract is concluded, when