保险合同是保险人致力于合同订立和履行上的一致性,为自己易于计算、节约成本而创造出来的格式化合同.该合同使得保险人对其所承担的风险、责任、险种等等一目了然,有其存在的必要性.但是,导致了当事人双方谈判地位不平等,个别交涉成本过高,契约正义被隐藏等问题.因此,司法裁判成为声张契约正义以及维护当事人合法权益的迂回模式之一.然而,在审理案件中,对合同的进一步阐释、对双方当事人真实意思表示的探求以及对合同争议焦点的解决,都起着至关重要的作用.这就涉及到如何适用多种解释方式对该合同进行解释.“,”Insurance contract is a formula contract,which is easily to calculate and save cost.It also created for the consistency on contract formation and performance.It clearly tell the risks,responsibilities and insurance,so it has a great infection.However,it also result in many problems,such as the unequal bargaining position,high costs of individual negotiations and contract issues,which are hidden in the status of the two parties.Therefore,it is very important in the explaining,researching the reality between parties and resolving the focus.This is the core for applying a variety of ways to explain.