| 關 鍵 詞： |
要保人資訊權保障；合理期待原則；疑義原則；保險契約；特別解釋原則；意思表示合致；契約自由；定型化契約條款 |
| 中文摘要： |
契約自由為民事法之核心原理原則之一；然當代工商社會大量使用定型化契約，且草擬契約之一方多將有利於己的條款加入其中，故形成不平等地位。尤其對於保險契約此等於交易時並無提供實體產品或即時服務的無形金融商品，影響甚鉅；因此，保險契約發展出有利於被保險人之「疑義原則」與「合理期待原則」。其中合理期待原則雖未明文於現行法，然最高法院於 2011 年首次明文採納後，便被各級法院廣泛援引，儼為我國解釋保險契約之重要法律原則之一。然合理期待原則終究為探求當事人合意的例外法則；故若保險人能踐行對要保人資訊權的保障，便能據此認定為當事人間之真意，此時合理期待原則便應有所退讓。故合理期待原則實為促成保險人踐行要保人資訊保障權的重要手段，如此方能對要保人資訊權保障不周的案例，發揮其保護的功能。
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| 英文關鍵詞： |
the protection of policyholder’s information；reasonable expectation doctrine；ambiguity rule；insurance contracts；special rules of interpretation；mutual consent；freedom of contract；terms of the standard form contract |
| 英文摘要： |
Freedom of contract is one of the main principles of civil law; however, the contemporary society broadly uses the standard form contracts in business and in industry. The party preparing the contract usually takes advantage of the first draft, that causes the inequality between both parties; especially in the field of insurance contract, because this sort of financial instruments has no substantial product or imminent service during the transaction. Therefore, the theory of insurance contract develops the principles of ambiguity rule and reasonable expectation doctrine. Although the reasonable expectation doctrine could not be found in the insurance law of Taiwan, the supreme court of Taiwan explicitly cited this doctrine in 2011. After that, the doctrine was broadly cited by courts of Taiwan and becoming one of the main principles in the interpretation of insurance contract. However, the reasonable expectation doctrine is eventually the exception in discovering the consent of both parties. If the policyholder’s right of understanding the policy information could be substantially protected, then the understanding would be regarded as the mutual consent of both parties. In this scenario, the reasonable expectation doctrine is fine to step back. Therefore, this doctrine is the main approach to ensure the policyholder may understand his/her policy information and to be the main defense in the related lawsuit to protect the policyholder.
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| 目 次： |
壹、前言
貳、保險契約之特別解釋原則
一、保險契約特別解釋原則之內涵
二、需要特別解釋原則之源由及其辨正
參、現代保險交易對當事人資訊權之保障及合意之確認
一、現代立法者之作為
二、資訊權保障模式下當事人合意之確認
三、小結
肆、結論
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