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保险条款系指国家法律、法规中关于保险合同的规定及以此为依据在特定当事人之间设定关于保险的权利、义务关系的约定。保险条款解释是确定保险合同条款及其所依据的保险法律条款适用范围以及推定保险双方在特定保险合同中真实意思的行为。保险条款解释主体有:立法机关、行政机关、地方权力机关及其行政职能机关、审判机关、仲裁机关、条款制订人、保险学家、条款适用人,相应条款解释类型依次为:立法解释、行政解释、地方解释、
Terms of insurance means the provisions of the national laws and regulations on insurance contracts and on the basis of which specific rights and obligations between the parties set the insurance agreement. The interpretation of the insurance clause is to determine the terms of the insurance contract and the scope of application of the insurance law under which it is based and to prescribe the actual meaning of the insurance in the specific insurance contract. The subjects of the interpretation of the insurance clauses are: the legislature, the administrative organ, the local authority and its administrative function, the judicial authority, the arbitration authority, the claimant, the insurance researcher, and the applicable clauses. The explanation types of the corresponding clauses are as follows: legislative interpretation, Explain, explain locally,