保險契約條款效力及解釋原則之研究─以被保險人為中心

保險商品均須經由行政以及立法二部門檢驗其合法性始能上市，惟保險糾紛於台灣社會仍層出不窮，司法檢驗則成為現今保險法學之重要課題。司法檢驗可以區分為內容控制以及其解釋原則，而本文著重討論司法控制，擬先從保險學理出發，先行探討保險制度之本質，以建構保險法強行規定之規範圖像。輔以司法實務之判決，探究保險契約條款解釋原則於我國法之實踐，並提出相關建議。

關鍵字

保險契約解釋原則；保險契約效力；保險契約條款；司法控制；以被保險人為中心；保險利益；定型化契約；保險

並列摘要

Any insurance product must pass the test of legality by both departments of judiciary and legislature before it can enter the market. Despite this, insurance disputes are still rife in Taiwan; judicial testing, hence, has become an important issue for the insurance study. Judicial testing can be divided into two areas: content control and explicatory principles. In this thesis, I focus on judicial control. I intend to start with the discussion of insurance theory from which the nature of insurance is conferred; I proceed to construct a regulatory overview of prohibitive provisions in the insurance law. The discussion is complemented with verdicts from judicial practices from which I discuss how the explicatory principles of articles in insurance contract are put into judicial practice in Taiwan, and I advise the way these principles should be applied.

並列關鍵字

the principles of Interpretation of Insurance policy terms ； judicial control ； explicatory principles ； the insured ； insurable interest ； contract of adhesion ； insurance