1、明确保险责任
保险单是契约，有法律约束力。保险单背面一般都清楚地印着哪些灾害、事故属于保险责任，哪些事故属于北京家政公司责任,不属于保险责任。如果保户入保后，保险财产遭受灾害、事故的损失属于保险责任，可以向保险公司索赔，不属于保险责任的则不能赔偿。
Insurance policies are contracts, legally binding. Insurance policies are generally clearly printed on the back of what disasters, accidents belong to the insurance liability, which belongs to Beijing domestic accident corporate responsibility, does not belong to the insurance liability. If the insurance policyholders, insurance and property disasters, accidents belong loss insurance, can claim to the insurance company, does not belong to the insurance liability can not be compensated.

2、识清保险品种
现在，保险险种较多，像机动车辆保险、家庭财产保险等，除了基本险种之外，还有附加险种。如机动车辆保险除车辆损失险、第三者责任险这些基本险外，还有玻璃单独破碎险、车上责任险、全车盗抢险、自燃损失险、无过失责任险、车载货物掉落责任险等附加险种；而家庭财产保险除基本险外，附加险包括家庭管道破裂及水渍险、家用电器用电安全险、现金首饰盗抢险、计算机硬件损失险、家用燃气器具责任险、自行车第三者责任险、家庭赔偿责任险、家庭治安险，涵盖了家庭生活的许多方面。
Now, many insurance products, like motor vehicle insurance, homeowners insurance, etc., in addition to the basic types of insurance, as well as additional insurance. Such as motor vehicle insurance in addition to loss of vehicle insurance, third party liability insurance of these basic insurance, as well as broken glass alone insurance, car liability insurance, the whole car pilfer, spontaneous loss of insurance, no-fault liability insurance, automotive goods falling responsibility additional insurance and other insurance; while household property insurance in addition to the basic insurance, additional insurance, including family pipeline rupture and WPA, household appliances, electrical safety risk, cash jewelry pilfer, computer hardware damage insurance, liability insurance of household gas appliances, bicycles Article three liability insurance, family liability insurance, home security insurance, covers many aspects of family life.

3、弄清保险知识
保险单是一种契约，担负着保障财产的责任，保户应妥善保管保险单。作为一名入保的保户，对于相关的保险知识应该清楚，比如保险的期限、保险财产的内容、保险赔偿责任的范围、保险金额与实际赔偿额的关系、家财保险保险期限内如果搬家变更住址如何办理手续、赔偿后找回的保险财产权益属于谁等。
Insurance policy is a contract, charged with the responsibility to protect property insurance policyholders should be properly kept. As a guarantee of the policyholders for insurance-related knowledge should be clear, such as the relationship between the period of insurance, contents insurance property liability insurance coverage, the insured amount and the actual amount of compensation, if the move to change the family wealth insurance insurance period address how to complete the formalities, insurance, property rights belonging to recover damages after whom and so on.
　　
4、明白赔偿手续
保险索赔是体现保险经济补偿职能的最明显特征，许多单位和个人都是看到别人出险后获得科学、及时、合理的赔偿才成为保户的。但保险索赔要经过必要的程序，按照有关规定履行必要的手续，还要提供必须的单证，缺一不可。像机动车保险，发生事故后，保户应立即向保险公司报案，如实反映事故的情况，填写出险报告，协助保险公司查勘事故现场。待公安交管部门结案后，保户办理索赔时还应提供保险单、事故责任认定书、事故调解书、判决书、损失清单和有关费用单据，保险公司才能按规定赔偿处理。
Insurance claims for financial compensation insurance is a manifestation of the most obvious features of the functions of many units and individuals are seeing others of danger after obtaining scientific, timely and reasonable compensation became policyholders. But insurance claims to go through the necessary procedures to fulfill the necessary formalities in accordance with the relevant provisions, but also to provide the necessary documents, are indispensable. Like motor insurance, after the accident, the policyholder should immediately report to the insurance company,to reflect the true circumstances of the accident, fill dangerous condition reports to assist insurance companies survey the scene. After the public security departments closed, policyholders should also provide insurance when processing claims, Confirmation responsible for the accident, the accident mediation, judgments, loss of inventory and related expenses receipts, insurance companies, according to the provisions for compensation to deal with.

济南家政：http://www.woai-wojia.com/