Principle of proximate cause is accepted generally to distinguish insurance liability and exclusions, and industrial injuries cognizance is the precondition to pay injury insurance benefits.

• 摘要近因原则是商业保险中用于区分保险责任和非保险责任的一个被普遍认可的工作原则，工伤认定是确认是否进行工伤保险金给付的前提。