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疑义利益解释规则适用于海上保险合同具有充分的法理依据,因为海上保险合同具有信息的不对称性,保险条款具有专业化和格式化的特征。为解决疑义利益解释规则适用的误区,应当明确疑义利益的判断标准;根据合同解释的原理与方法,疑义利益解释规则适用于合同的语用模糊,要遵循一般解释规则优于疑义利益解释规则的适用位阶。根据海上保险合同的特殊性,须明确疑义利益解释规则在海上保险合同适用中的除外情形,综合考量各种辅助因素来判断是否适用该规则。
The rules of interpretation of interests of interests applicable to the marine insurance contract has a full legal basis, because the contract has a maritime insurance information asymmetry, insurance terms with specialization and formatting characteristics. According to the principle and method of the contract interpretation, the rules for the interpretation of doubtful interests apply to the pragmatic ambiguity of the contract, and the rules of interpretation of doubt are better than the rules of interpretation of doubtful interests in order to solve the misunderstandings applicable to the rules of interpretation of doubtful interests. Applicable level. According to the particularity of the contract, it is necessary to clarify the exception of the rule of interpretation of benefit under the application of the contract of marine insurance, and to consider whether the rule is applicable by considering various auxiliary factors.