保险理赔的近因原则是什么-法律综合法律援助-法律咨询免费平台-国际律师联盟

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问题	保险理赔的近因原则是什么
释义	近因原则是指造成保险标的损失的最直接、最有效的原因，这是保险理赔过程中必须遵循的原则。保险事故的发生与损失事实的形成，两者之间必须有直接因果关系的存在，才能构成保险赔偿的条件。《保险法》第四十三条投保人故意造成被保险人死亡、伤残或者疾病的，保险人不承担给付保险金的责任。投保人已交足二年以上保险费的，保险人应当按照合同约定向其他权利人退还保险单的现金价值。受益人故意造成被保险人死亡、伤残、疾病的，或者故意杀害被保险人未遂的，该受益人丧失受益权。
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