{"id":3625,"date":"2026-06-04T13:20:06","date_gmt":"2026-06-04T11:20:06","guid":{"rendered":"https:\/\/ubezpieczeniecudzoziemca.pl\/nieskategoryzowane\/minimalna-suma-ubezpieczenia-do-wizy-ile-wynosi\/"},"modified":"2026-09-12T07:24:09","modified_gmt":"2026-09-12T05:24:09","slug":"so-tien-bao-hiem-toi-thieu-de-xin-thi-thuc-la-bao-nhieu","status":"publish","type":"post","link":"https:\/\/ubezpieczeniecudzoziemca.pl\/vi\/poradnik\/podstawy-prawne-i-wymagania-wizowe\/minimalna-suma-ubezpieczenia-do-wizy-ile-wynosi\/","title":{"rendered":"M\u1ee9c b\u1ea3o hi\u1ec3m t\u1ed1i thi\u1ec3u \u0111\u1ec3 xin th\u1ecb th\u1ef1c l\u00e0 bao nhi\u00eau?"},"content":{"rendered":"<div class=\"wp-block-kadence-rowlayout\">\n<div class=\"wp-block-kadence-advancedtext\">\n<p><strong>S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m cho th\u1ecb th\u1ef1c<\/strong> \u0110\u00e2y l\u00e0 m\u1ee9c b\u1ea3o hi\u1ec3m y t\u1ebf t\u1ed1i thi\u1ec3u m\u00e0 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m k\u00e8m theo \u0111\u01a1n xin th\u1ecb th\u1ef1c ph\u1ea3i \u0111\u1ea3m b\u1ea3o. \u0110\u1ed1i v\u1edbi th\u1ecb th\u1ef1c Schengen, ti\u00eau chu\u1ea9n l\u00e0 \u00edt nh\u1ea5t 30.000 euro cho chi ph\u00ed \u0111i\u1ec1u tr\u1ecb, nh\u1eadp vi\u1ec7n v\u00e0 v\u1eadn chuy\u1ec3n y t\u1ebf, nh\u01b0ng tr\u00ean th\u1ef1c t\u1ebf, b\u1ea1n c\u0169ng n\u00ean ki\u1ec3m tra ph\u1ea1m vi quy\u1ec1n l\u1ee3i c\u0169ng nh\u01b0 t\u00ednh ph\u00f9 h\u1ee3p c\u1ee7a t\u00e0i li\u1ec7u v\u1edbi c\u00e1c y\u00eau c\u1ea7u c\u1ee7a c\u01a1 quan ch\u1ee9c n\u0103ng. Trong b\u00e0i vi\u1ebft n\u00e0y, ch\u00fang t\u00f4i s\u1ebd gi\u1ea3i th\u00edch m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m cho th\u1ecb th\u1ef1c l\u00e0 bao nhi\u00eau, s\u1ef1 kh\u00e1c bi\u1ec7t gi\u1eefa s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m v\u00e0 s\u1ed1 ti\u1ec1n b\u1ea3o l\u00e3nh, c\u0169ng nh\u01b0 nh\u1eefng y\u00eau c\u1ea7u n\u0103m 2026 c\u1ea7n l\u01b0u \u00fd tr\u01b0\u1edbc khi mua b\u1ea3o hi\u1ec3m.<\/p>\n<\/div>\n<nav class=\"wp-block-kadence-infobox has-theme-palette-8-background-color has-background\" aria-label=\"M\u1ee5c l\u1ee5c\">\n<div class=\"kt-blocks-info-box-link-wrap\">\n<div class=\"kt-infobox-textcontent\">\n<h4 class=\"kt-blocks-info-box-title\">M\u1ee5c l\u1ee5c<\/h4>\n<ol>\n<li><a href=\"#czym-jest-minimalna-suma\">M\u1ee9c b\u1ea3o hi\u1ec3m t\u1ed1i thi\u1ec3u \u0111\u1ec3 xin th\u1ecb th\u1ef1c l\u00e0 bao nhi\u00eau?<\/a><\/li>\n<li><a href=\"#ile-wynosi-podstawowa-kwota\">S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m c\u01a1 b\u1ea3n l\u00e0 bao nhi\u00eau?<\/a><\/li>\n<li><a href=\"#na-co-zwrocic-uwage-przy-polisie\">C\u1ea7n l\u01b0u \u00fd nh\u1eefng g\u00ec khi mua b\u1ea3o hi\u1ec3m?<\/a><\/li>\n<li><a href=\"#jakie-sa-wymagania-na-2026\">C\u00e1c y\u00eau c\u1ea7u cho n\u0103m 2026 l\u00e0 g\u00ec?<\/a><\/li>\n<li><a href=\"#faq\">C\u00e1c c\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p<\/a><\/li>\n<li><a href=\"#podsumowanie\">T\u00f3m t\u1eaft<\/a><\/li>\n<\/ol>\n<\/div>\n<\/div>\n<\/nav>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"czym-jest-minimalna-suma\" class=\"kt-adv-heading\">M\u1ee9c b\u1ea3o hi\u1ec3m t\u1ed1i thi\u1ec3u \u0111\u1ec3 xin th\u1ecb th\u1ef1c l\u00e0 bao nhi\u00eau?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>M\u1ee9c b\u1ea3o hi\u1ec3m t\u1ed1i thi\u1ec3u \u0111\u1ec3 xin th\u1ecb th\u1ef1c l\u00e0 m\u1ee9c tr\u00e1ch nhi\u1ec7m th\u1ea5p nh\u1ea5t m\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m ph\u1ea3i ch\u1ecbu, \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m. M\u1ee9c n\u00e0y l\u00e0 gi\u1edbi h\u1ea1n t\u1ed1i \u0111a m\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd chi tr\u1ea3 cho chi ph\u00ed \u0111i\u1ec1u tr\u1ecb ho\u1eb7c c\u00e1c kho\u1ea3n tr\u1ee3 c\u1ea5p kh\u00e1c theo h\u1ee3p \u0111\u1ed3ng. Trong th\u1ee7 t\u1ee5c xin th\u1ecb th\u1ef1c, c\u01a1 quan ch\u1ee9c n\u0103ng kh\u00f4ng ch\u1ec9 \u0111\u00e1nh gi\u00e1 gi\u00e1 tr\u1ecb c\u1ee7a b\u1ea3n h\u1ee3p \u0111\u1ed3ng. Tr\u01b0\u1edbc h\u1ebft, h\u1ecd s\u1ebd ki\u1ec3m tra xem h\u1ee3p \u0111\u1ed3ng c\u00f3 \u0111\u00e1p \u1ee9ng c\u00e1c \u0111i\u1ec1u ki\u1ec7n h\u00ecnh th\u1ee9c c\u1ee5 th\u1ec3 hay kh\u00f4ng.<\/p>\n<p>\u0110\u1ed1i v\u1edbi nh\u1eefng ng\u01b0\u1eddi xin th\u1ecb th\u1ef1c Schengen, m\u1ee9c b\u1ea3o hi\u1ec3m chi ph\u00ed y t\u1ebf t\u1ed1i thi\u1ec3u 30.000 euro th\u01b0\u1eddng l\u00e0 y\u1ebfu t\u1ed1 then ch\u1ed1t. M\u1ee9c n\u00e0y \u0111\u01b0\u1ee3c ph\u1ea3n \u00e1nh trong c\u00e1c \u0111i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m du l\u1ecbch Schengen ph\u1ed5 bi\u1ebfn, n\u01a1i c\u00f3 c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m 30.000 euro v\u00e0 60.000 euro. S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m kh\u00f4ng gi\u1ed1ng v\u1edbi m\u1ee9c b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1. Tr\u00ean th\u1ef1c t\u1ebf, \u0111\u1ed1i v\u1edbi th\u1ecb th\u1ef1c, \u0111i\u1ec1u quan tr\u1ecdng nh\u1ea5t l\u00e0 gi\u1edbi h\u1ea1n chi ph\u00ed \u0111i\u1ec1u tr\u1ecb, nh\u1eadp vi\u1ec7n, h\u1ed3i h\u01b0\u01a1ng v\u00e0 h\u1ed7 tr\u1ee3 y t\u1ebf. N\u1ebfu b\u1ea1n mu\u1ed1n hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 c\u00e1c nguy\u00ean t\u1eafc c\u01a1 b\u1ea3n c\u1ee7a ngh\u0129a v\u1ee5 b\u1ea3o hi\u1ec3m, h\u00e3y xem th\u00eam <a href=\"https:\/\/ubezpieczeniecudzoziemca.pl\/vi\/cam-nang\/co-so-phap-ly-va-cac-yeu-cau-ve-thi-thuc\/tai-sao-nguoi-nuoc-ngoai-phai-co-bao-hiem-y-te\/\">T\u1ea1i sao ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i ph\u1ea3i c\u00f3 b\u1ea3o hi\u1ec3m y t\u1ebf?<\/a>.<\/p>\n<\/div>\n<div class=\"wp-block-kadence-infobox has-theme-palette-8-background-color has-background\">\n<div class=\"kt-blocks-info-box-link-wrap\">\n<div class=\"kt-infobox-textcontent\">\n<h4 class=\"kt-blocks-info-box-title\">\ud83d\udca1 M\u1eb9o<\/h4>\n<p class=\"kt-blocks-info-box-text\">G\u00f3i b\u1ea3o hi\u1ec3m r\u1ebb nh\u1ea5t kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o c\u0169ng l\u00e0 l\u1ef1a ch\u1ecdn t\u1ed1t nh\u1ea5t. Khi n\u1ed9p \u0111\u01a1n xin th\u1ecb th\u1ef1c, \u0111i\u1ec1u quan tr\u1ecdng kh\u00f4ng ch\u1ec9 l\u00e0 m\u1ee9c b\u1ea3o hi\u1ec3m 30.000 euro, m\u00e0 c\u00f2n l\u00e0 ph\u1ea1m vi \u0111i\u1ec1u tr\u1ecb, nh\u1eadp vi\u1ec7n v\u00e0 v\u1eadn chuy\u1ec3n y t\u1ebf \u0111\u01b0\u1ee3c ch\u1ea5p nh\u1eadn.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"ile-wynosi-podstawowa-kwota\" class=\"kt-adv-heading\">S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m c\u01a1 b\u1ea3n l\u00e0 bao nhi\u00eau?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>C\u00e2u tr\u1ea3 l\u1eddi ng\u1eafn g\u1ecdn nh\u1ea5t l\u00e0: m\u1ee9c b\u1ea3o hi\u1ec3m t\u1ed1i thi\u1ec3u \u0111\u1ec3 xin th\u1ecb th\u1ef1c Schengen th\u01b0\u1eddng l\u00e0 30.000 euro. \u0110\u00e2y l\u00e0 m\u1ee9c \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong \u0111i\u1ec1u kho\u1ea3n c\u1ee7a nhi\u1ec1u h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m d\u00e0nh cho m\u1ee5c \u0111\u00edch xin th\u1ecb th\u1ef1c. M\u1ed9t s\u1ed1 g\u00f3i b\u1ea3o hi\u1ec3m c\u00f2n cung c\u1ea5p m\u1ee9c b\u1ea3o hi\u1ec3m cao h\u01a1n l\u00e0 60.000 euro, mang l\u1ea1i s\u1ef1 an t\u00e2m h\u01a1n trong tr\u01b0\u1eddng h\u1ee3p ph\u1ea3i \u0111i\u1ec1u tr\u1ecb nghi\u00eam tr\u1ecdng ho\u1eb7c l\u01b0u tr\u00fa d\u00e0i ng\u00e0y.<\/p>\n<p>Tuy nhi\u00ean, c\u1ea7n l\u01b0u \u00fd r\u1eb1ng c\u00e2u h\u1ecfi \u201egi\u00e1 b\u1ea3o hi\u1ec3m l\u00e0 bao nhi\u00eau\u201d c\u00f3 th\u1ec3 \u0111\u1ec1 c\u1eadp \u0111\u1ebfn hai kh\u00eda c\u1ea1nh kh\u00e1c nhau. Th\u1ee9 nh\u1ea5t l\u00e0 s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m, t\u1ee9c l\u00e0 m\u1ee9c tr\u00e1ch nhi\u1ec7m b\u1ed3i th\u01b0\u1eddng. Th\u1ee9 hai l\u00e0 ph\u00ed b\u1ea3o hi\u1ec3m, t\u1ee9c l\u00e0 s\u1ed1 ti\u1ec1n b\u1ea1n ph\u1ea3i tr\u1ea3 cho h\u1ee3p \u0111\u1ed3ng. Gi\u00e1 b\u1ea3o hi\u1ec3m ph\u1ee5 thu\u1ed9c v\u00e0o \u0111\u1ed9 tu\u1ed5i, th\u1eddi gian l\u01b0u tr\u00fa, ph\u1ea1m vi b\u1ea3o hi\u1ec3m v\u00e0 qu\u1ed1c gia \u0111\u00edch. Do \u0111\u00f3, m\u1ee9c b\u1ea3o hi\u1ec3m t\u1ed1i thi\u1ec3u kh\u00f4ng n\u00f3i l\u00ean b\u1ea1n s\u1ebd ph\u1ea3i tr\u1ea3 bao nhi\u00eau cho b\u1ea3o hi\u1ec3m. N\u1ebfu b\u1ea1n d\u1ef1 \u0111\u1ecbnh c\u00f3 m\u1ed9t chuy\u1ebfn \u0111i d\u00e0i h\u01a1n ho\u1eb7c ph\u1ee9c t\u1ea1p h\u01a1n, h\u00e3y ki\u1ec3m tra th\u00eam <a href=\"https:\/\/ubezpieczeniecudzoziemca.pl\/vi\/bao-hiem-cho-nguoi-nuoc-ngoai-de-xin-thi-thuc-va-the-cu-tru\/\">B\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i \u0111\u1ec3 xin th\u1ecb th\u1ef1c v\u00e0 th\u1ebb c\u01b0 tr\u00fa<\/a> v\u00e0 <a href=\"https:\/\/ubezpieczeniecudzoziemca.pl\/vi\/bao-hiem-y-te-kem-theo-the-cu-tru-bao-hiem-re-nhat-danh-cho-nguoi-nuoc-ngoai\/\">B\u1ea3o hi\u1ec3m y t\u1ebf k\u00e8m theo th\u1ebb c\u01b0 tr\u00fa<\/a>.<\/p>\n<p>Tr\u00ean th\u1ef1c t\u1ebf, c\u01a1 quan ch\u1ee9c n\u0103ng c\u00f3 th\u1ec3 t\u1eeb ch\u1ed1i h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m d\u00f9 m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p nh\u01b0ng kh\u00f4ng bao g\u1ed3m c\u00e1c quy\u1ec1n l\u1ee3i b\u1eaft bu\u1ed9c. Do \u0111\u00f3, tr\u01b0\u1edbc khi mua, b\u1ea1n c\u1ea7n \u0111\u1ecdc k\u1ef9 t\u00e0i li\u1ec7u b\u1ea3o hi\u1ec3m v\u00e0 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU), ch\u1ee9 kh\u00f4ng ch\u1ec9 ch\u00fa \u00fd \u0111\u1ebfn m\u1ee9c ph\u00ed \u0111\u01b0\u1ee3c qu\u1ea3ng c\u00e1o. \u0110\u1eb7c bi\u1ec7t quan tr\u1ecdng l\u00e0 c\u00e1c chi ph\u00ed li\u00ean quan \u0111\u1ebfn \u0111i\u1ec1u tr\u1ecb b\u1ec7nh \u0111\u1ed9t ng\u1ed9t, h\u1eadu qu\u1ea3 c\u1ee7a tai n\u1ea1n, v\u1eadn chuy\u1ec3n y t\u1ebf v\u00e0 h\u1ed3i h\u01b0\u01a1ng.<\/p>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"na-co-zwrocic-uwage-przy-polisie\" class=\"kt-adv-heading\">C\u1ea7n l\u01b0u \u00fd nh\u1eefng g\u00ec khi mua b\u1ea3o hi\u1ec3m?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u1ec3 xin th\u1ecb th\u1ef1c ph\u1ea3i ph\u00f9 h\u1ee3p v\u1edbi m\u1ee5c \u0111\u00edch l\u01b0u tr\u00fa v\u00e0 c\u00e1c y\u00eau c\u1ea7u c\u1ee7a c\u01a1 quan ch\u1ee9c n\u0103ng. S\u1ed1 ti\u1ec1n 30.000 euro th\u00f4i l\u00e0 ch\u01b0a \u0111\u1ee7 n\u1ebfu t\u00e0i li\u1ec7u \u0111\u00f3 kh\u00f4ng bao g\u1ed3m c\u00e1c quy\u1ec1n l\u1ee3i th\u00edch h\u1ee3p ho\u1eb7c kh\u00f4ng n\u00eau \u0111\u1ea7y \u0111\u1ee7 th\u00f4ng tin c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m. M\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m th\u1ecb th\u1ef1c t\u1ed1t c\u1ea7n ph\u1ea3i n\u00eau r\u00f5 th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m, ph\u1ea1m vi \u00e1p d\u1ee5ng v\u00e0 c\u00e1c quy\u1ec1n l\u1ee3i \u0111\u01b0\u1ee3c bao g\u1ed3m trong h\u1ee3p \u0111\u1ed3ng.<\/p>\n<p>C\u1ea7n l\u01b0u \u00fd m\u1ed9t s\u1ed1 y\u1ebfu t\u1ed1 th\u01b0\u1eddng c\u00f3 \u00fd ngh\u0129a quan tr\u1ecdng nh\u1ea5t khi \u0111\u00e1nh gi\u00e1 t\u00e0i li\u1ec7u:<\/p>\n<\/div>\n<div class=\"wp-block-kadence-iconlist\">\n<ul class=\"kt-svg-icon-list\">\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m:<\/strong> \u00edt nh\u1ea5t 30.000 euro \u0111\u1ed1i v\u1edbi th\u1ecb th\u1ef1c Schengen th\u00f4ng th\u01b0\u1eddng.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Ph\u1ea1m vi \u0111i\u1ec1u tr\u1ecb:<\/strong> b\u1ec7nh \u0111\u1ed9t ng\u1ed9t, tai n\u1ea1n, nh\u1eadp vi\u1ec7n v\u00e0 ch\u0103m s\u00f3c ngo\u1ea1i tr\u00fa.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>V\u1eadn chuy\u1ec3n v\u1eadn chuy\u1ec3n v\u1eadn chuy\u1ec3n v\u1eadn chuy\u1ec3n v\u00e0 v\u00e0 v v\u00e0 v\u00e0 v\u00e0 v\u00e0 v\u00e0 v\u00e0 v\u00e0 v<\/strong> \u0111\u01b0a v\u1ec1 n\u01b0\u1edbc ho\u1eb7c chuy\u1ec3n \u0111\u1ebfn c\u01a1 s\u1edf y t\u1ebf.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Th\u1eddi h\u1ea1n b\u1ea3o h\u1ed9:<\/strong> ph\u1ea3i bao g\u1ed3m to\u00e0n b\u1ed9 th\u1eddi gian l\u01b0u tr\u00fa \u0111\u00e3 khai b\u00e1o.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>T\u00ednh ch\u00ednh x\u00e1c c\u1ee7a d\u1eef li\u1ec7u:<\/strong> H\u1ecd t\u00ean, ng\u00e0y th\u00e1ng n\u0103m sinh v\u00e0 s\u1ed1 gi\u1ea5y t\u1edd t\u00f9y th\u00e2n ph\u1ea3i kh\u1edbp v\u1edbi th\u00f4ng tin trong \u0111\u01a1n.<\/span><\/li>\n<\/ul>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Tr\u01b0\u1edbc khi n\u1ed9p \u0111\u01a1n, b\u1ea1n n\u00ean so s\u00e1nh kh\u00f4ng ch\u1ec9 m\u1ee9c ph\u00ed m\u00e0 c\u00f2n c\u1ea3 c\u00e1c \u0111i\u1ec1u ki\u1ec7n th\u1ef1c t\u1ebf. B\u00e0i vi\u1ebft v\u1ec1 <a href=\"https:\/\/ubezpieczeniecudzoziemca.pl\/vi\/chi-phi-dieu-tri-cho-nguoi-nuoc-ngoai-klc\/\">chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i<\/a>, b\u1edfi v\u00ec n\u00f3 cho th\u1ea5y t\u1ea1i sao m\u1ee9c \u0111\u1ed9 b\u1ea3o v\u1ec7 qu\u00e1 th\u1ea5p c\u00f3 th\u1ec3 ti\u1ec1m \u1ea9n r\u1ee7i ro ngay c\u1ea3 khi v\u1ec1 m\u1eb7t h\u00ecnh th\u1ee9c \u0111\u00e3 \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c m\u1ee9c t\u1ed1i thi\u1ec3u. \u0110\u1ed1i v\u1edbi th\u1ecb th\u1ef1c qu\u1ed1c gia ho\u1eb7c c\u00e1c lo\u1ea1i th\u1ecb th\u1ef1c l\u01b0u tr\u00fa d\u00e0i h\u1ea1n, c\u00e1c y\u00eau c\u1ea7u c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c xem x\u00e9t m\u1ed9t c\u00e1ch to\u00e0n di\u1ec7n h\u01a1n so v\u1edbi tr\u01b0\u1eddng h\u1ee3p \u0111i du l\u1ecbch ng\u1eafn ng\u00e0y.<\/p>\n<\/div>\n<div class=\"wp-block-kadence-infobox has-theme-palette-8-background-color has-background\">\n<div class=\"kt-blocks-info-box-link-wrap\">\n<div class=\"kt-infobox-textcontent\">\n<h4 class=\"kt-blocks-info-box-title\">\ud83d\udca1 Quan tr\u1ecdng<\/h4>\n<p class=\"kt-blocks-info-box-text\">S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m l\u00e0 m\u1ee9c chi tr\u1ea3 t\u1ed1i \u0111a cho c\u00e1c d\u1ecbch v\u1ee5 y t\u1ebf. S\u1ed1 ti\u1ec1n b\u1ea3o \u0111\u1ea3m th\u01b0\u1eddng \u00e1p d\u1ee5ng cho b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1, do \u0111\u00f3 kh\u00f4ng n\u00ean s\u1eed d\u1ee5ng hai kh\u00e1i ni\u1ec7m n\u00e0y thay th\u1ebf cho nhau trong m\u1ecdi lo\u1ea1i h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"jakie-sa-wymagania-na-2026\" class=\"kt-adv-heading\">C\u00e1c y\u00eau c\u1ea7u cho n\u0103m 2026 l\u00e0 g\u00ec?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>C\u00e1c y\u00eau c\u1ea7u n\u0103m 2026 n\u00ean \u0111\u01b0\u1ee3c hi\u1ec3u l\u00e0 s\u1ef1 c\u1ea7n thi\u1ebft ph\u1ea3i tu\u00e2n th\u1ee7 c\u00e1c quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh c\u1ee7a c\u01a1 quan ch\u1ee9c n\u0103ng c\u0169ng nh\u01b0 th\u1ef1c ti\u1ec5n c\u1ee7a c\u00e1c l\u00e3nh s\u1ef1 qu\u00e1n. Y\u00eau c\u1ea7u c\u01a1 b\u1ea3n v\u1eabn l\u00e0 ph\u1ea3i c\u00f3 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 hi\u1ec7u l\u1ef1c trong to\u00e0n b\u1ed9 th\u1eddi gian l\u01b0u tr\u00fa v\u00e0 \u0111\u1ea3m b\u1ea3o m\u1ee9c b\u1ea3o hi\u1ec3m t\u1ed1i thi\u1ec3u ph\u00f9 h\u1ee3p. \u0110\u1ed1i v\u1edbi b\u1ea3o hi\u1ec3m Schengen, s\u1ed1 ti\u1ec1n 30.000 euro v\u1eabn l\u00e0 m\u1ee9c tham chi\u1ebfu ph\u1ed5 bi\u1ebfn nh\u1ea5t. \u0110\u1ed3ng th\u1eddi, t\u00ednh d\u1ec5 \u0111\u1ecdc c\u1ee7a t\u00e0i li\u1ec7u v\u00e0 kh\u1ea3 n\u0103ng x\u00e1c minh nhanh ch\u00f3ng h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ng\u00e0y c\u00e0ng tr\u1edf n\u00ean quan tr\u1ecdng.<\/p>\n<p>Tr\u00ean th\u1ef1c t\u1ebf, c\u00e1ch ti\u1ebfp c\u1eadn an to\u00e0n nh\u1ea5t l\u00e0 ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m bao g\u1ed3m \u0111\u1ea7y \u0111\u1ee7 th\u00f4ng tin c\u00e1 nh\u00e2n, ph\u1ea1m vi chi ph\u00ed \u0111i\u1ec1u tr\u1ecb, d\u1ecbch v\u1ee5 h\u1ed3i h\u01b0\u01a1ng v\u00e0 khu v\u1ef1c b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh r\u00f5 r\u00e0ng. \u0110\u1ed1i v\u1edbi m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p, vi\u1ec7c ch\u1ecdn m\u1ee9c b\u1ea3o hi\u1ec3m cao h\u01a1n, v\u00ed d\u1ee5 nh\u01b0 60.000 euro, c\u00f3 th\u1ec3 mang l\u1ea1i l\u1ee3i \u00edch h\u01a1n. L\u1ef1a ch\u1ecdn n\u00e0y kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o c\u0169ng b\u1eaft bu\u1ed9c, nh\u01b0ng th\u01b0\u1eddng ph\u00f9 h\u1ee3p h\u01a1n v\u1edbi chi ph\u00ed \u0111i\u1ec1u tr\u1ecb th\u1ef1c t\u1ebf \u1edf n\u01b0\u1edbc ngo\u00e0i.<\/p>\n<p>N\u1ebfu b\u1ea1n \u0111ang chu\u1ea9n b\u1ecb h\u1ed3 s\u01a1 xin th\u1ecb th\u1ef1c, b\u00e0i vi\u1ebft n\u00e0y c\u0169ng s\u1ebd r\u1ea5t h\u1eefu \u00edch <a href=\"https:\/\/ubezpieczeniecudzoziemca.pl\/vi\/cam-nang\/cac-thu-tuc-va-tai-lieu-can-thiet-de-xin-giay-phep\/thi-thuc-lao-dong-tai-ba-lan-thu-tuc-va-giay-to\/\">Th\u1ecb th\u1ef1c lao \u0111\u1ed9ng t\u1ea1i Ba Lan \u2013 Th\u1ee7 t\u1ee5c v\u00e0 gi\u1ea5y t\u1edd<\/a>. Nh\u1eefng ng\u01b0\u1eddi c\u00f3 \u00fd \u0111\u1ecbnh tuy\u1ec3n d\u1ee5ng c\u0169ng n\u00ean ki\u1ec3m tra <a href=\"https:\/\/ubezpieczeniecudzoziemca.pl\/vi\/cam-nang\/cac-loai-bao-hiem-y-te-danh-cho-nguoi-nuoc-ngoai\/lua-chon-bao-hiem-y-te-cho-thi-thuc-lao-dong\/\">L\u1ef1a ch\u1ecdn b\u1ea3o hi\u1ec3m y t\u1ebf cho th\u1ecb th\u1ef1c lao \u0111\u1ed9ng<\/a>, b\u1edfi v\u00ec \u1edf \u0111\u00f3 ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 mang \u00fd ngh\u0129a th\u1ef1c ti\u1ec5n th\u00eam.<\/p>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"faq\" class=\"kt-adv-heading\">C\u00e1c c\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<h3>S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m t\u1ed1i thi\u1ec3u \u0111\u1ec3 xin th\u1ecb th\u1ef1c c\u00f3 ph\u1ea3i lu\u00f4n l\u00e0 30.000 euro kh\u00f4ng?<\/h3>\n<p>\u0110\u1ed1i v\u1edbi th\u1ecb th\u1ef1c Schengen th\u00f4ng th\u01b0\u1eddng, y\u00eau c\u1ea7u ph\u1ed5 bi\u1ebfn nh\u1ea5t l\u00e0 ph\u1ea3i c\u00f3 b\u1ea3o hi\u1ec3m y t\u1ebf v\u1edbi m\u1ee9c chi tr\u1ea3 t\u1ed1i thi\u1ec3u 30.000 euro. Trong c\u00e1c th\u1ee7 t\u1ee5c kh\u00e1c, c\u01a1 quan ch\u1ee9c n\u0103ng c\u0169ng c\u00f3 th\u1ec3 xem x\u00e9t lo\u1ea1i h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m v\u00e0 ph\u1ea1m vi quy\u1ec1n l\u1ee3i; do \u0111\u00f3, b\u1ea1n n\u00ean lu\u00f4n ki\u1ec3m tra c\u00e1c y\u00eau c\u1ea7u c\u1ee5 th\u1ec3 c\u1ee7a l\u00e3nh s\u1ef1 qu\u00e1n ho\u1eb7c c\u01a1 quan c\u00f3 th\u1ea9m quy\u1ec1n.<\/p>\n<h3>Tr\u00ean th\u1ef1c t\u1ebf, ph\u00ed b\u1ea3o hi\u1ec3m \u0111\u1ec3 xin th\u1ecb th\u1ef1c l\u00e0 bao nhi\u00eau?<\/h3>\n<p>\u0110i\u1ec1u \u0111\u00f3 t\u00f9y thu\u1ed9c v\u00e0o vi\u1ec7c b\u1ea1n \u0111ang h\u1ecfi v\u1ec1 m\u1ee9c b\u1ea3o hi\u1ec3m hay gi\u00e1 mua. M\u1ee9c b\u1ea3o hi\u1ec3m t\u1ed1i thi\u1ec3u cho b\u1ea3o hi\u1ec3m Schengen th\u01b0\u1eddng b\u1eaft \u0111\u1ea7u t\u1eeb 30.000 euro, trong khi gi\u00e1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ph\u1ee5 thu\u1ed9c v\u00e0o th\u1eddi gian l\u01b0u tr\u00fa, \u0111\u1ed9 tu\u1ed5i v\u00e0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m m\u00e0 b\u1ea1n ch\u1ecdn.<\/p>\n<h3>B\u1ea3o hi\u1ec3m Schengen v\u1edbi m\u1ee9c b\u1ed3i th\u01b0\u1eddng 30.000 euro c\u00f3 \u0111\u1ee7 kh\u00f4ng?<\/h3>\n<p>V\u1ec1 m\u1eb7t h\u00ecnh th\u1ee9c, \u0111i\u1ec1u n\u00e0y th\u01b0\u1eddng \u0111\u00fang, n\u1ebfu h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m bao g\u1ed3m c\u00e1c chi ph\u00ed \u0111i\u1ec1u tr\u1ecb v\u00e0 v\u1eadn chuy\u1ec3n y t\u1ebf b\u1eaft bu\u1ed9c. Tuy nhi\u00ean, tr\u00ean th\u1ef1c t\u1ebf, m\u1ee9c b\u1ea3o hi\u1ec3m cao h\u01a1n c\u00f3 th\u1ec3 h\u1ee3p l\u00fd h\u01a1n, \u0111\u1eb7c bi\u1ec7t l\u00e0 trong tr\u01b0\u1eddng h\u1ee3p l\u01b0u tr\u00fa d\u00e0i ng\u00e0y ho\u1eb7c du l\u1ecbch \u0111\u1ebfn c\u00e1c qu\u1ed1c gia c\u00f3 chi ph\u00ed ch\u0103m s\u00f3c s\u1ee9c kh\u1ecfe \u0111\u1eaft \u0111\u1ecf.<\/p>\n<h3>S\u1ef1 kh\u00e1c bi\u1ec7t gi\u1eefa s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m v\u00e0 s\u1ed1 ti\u1ec1n b\u1ea3o l\u00e3nh cho th\u1ecb th\u1ef1c l\u00e0 g\u00ec?<\/h3>\n<p>S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m l\u00e0 m\u1ee9c tr\u00e1ch nhi\u1ec7m t\u1ed1i \u0111a c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m trong ph\u1ea1m vi c\u1ee5 th\u1ec3, v\u00ed d\u1ee5 nh\u01b0 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb. S\u1ed1 ti\u1ec1n b\u1ea3o \u0111\u1ea3m th\u01b0\u1eddng \u00e1p d\u1ee5ng cho c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 (OC), do \u0111\u00f3 khi mua b\u1ea3o hi\u1ec3m th\u1ecb th\u1ef1c, \u0111i\u1ec1u quan tr\u1ecdng l\u00e0 ph\u1ea3i ki\u1ec3m tra xem t\u00e0i li\u1ec7u \u0111\u00f3 s\u1eed d\u1ee5ng thu\u1eadt ng\u1eef n\u00e0o.<\/p>\n<h3>C\u1ea7n nh\u1eefng gi\u1ea5y t\u1edd n\u00e0o khi n\u1ed9p \u0111\u01a1n xin b\u1ea3o hi\u1ec3m?<\/h3>\n<p>Th\u00f4ng th\u01b0\u1eddng, b\u1ea1n ch\u1ec9 c\u1ea7n xu\u1ea5t tr\u00ecnh b\u1ea3n h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ho\u1eb7c gi\u1ea5y ch\u1ee9ng nh\u1eadn b\u1ea3o hi\u1ec3m c\u00f3 ghi r\u00f5 th\u00f4ng tin ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m v\u00e0 s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m. T\u1ed1t nh\u1ea5t l\u00e0 t\u00e0i li\u1ec7u n\u00e0y ph\u1ea3i r\u00f5 r\u00e0ng v\u00e0 kh\u1edbp v\u1edbi th\u00f4ng tin trong \u0111\u01a1n xin th\u1ecb th\u1ef1c. B\u1ea1n c\u00f3 th\u1ec3 t\u00ecm hi\u1ec3u th\u00eam v\u1ec1 c\u00e1c th\u1ee7 t\u1ee5c t\u1ea1i m\u1ee5c <a href=\"https:\/\/ubezpieczeniecudzoziemca.pl\/vi\/cam-nang\/cac-thu-tuc-va-tai-lieu-can-thiet-de-xin-giay-phep\/\">c\u00e1c th\u1ee7 t\u1ee5c v\u00e0 t\u00e0i li\u1ec7u c\u1ea7n thi\u1ebft \u0111\u1ec3 xin gi\u1ea5y ph\u00e9p<\/a>.<\/p>\n<h3>C\u01a1 quan ch\u1ee9c n\u0103ng ch\u1ec9 ki\u1ec3m tra s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m th\u00f4i sao?<\/h3>\n<p>Kh\u00f4ng. C\u01a1 quan ch\u1ee9c n\u0103ng th\u01b0\u1eddng c\u0169ng ki\u1ec3m tra ph\u1ea1m vi b\u1ea3o hi\u1ec3m, th\u1eddi h\u1ea1n hi\u1ec7u l\u1ef1c v\u00e0 t\u00ednh ch\u00ednh x\u00e1c c\u1ee7a d\u1eef li\u1ec7u c\u00e1 nh\u00e2n. M\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 m\u1ee9c b\u1ed3i th\u01b0\u1eddng ph\u00f9 h\u1ee3p nh\u01b0ng kh\u00f4ng c\u00f3 ph\u1ea1m vi b\u1ea3o hi\u1ec3m th\u00edch h\u1ee3p c\u00f3 th\u1ec3 b\u1ecb coi l\u00e0 kh\u00f4ng \u0111\u1ee7.<\/p>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"podsumowanie\" class=\"kt-adv-heading\">T\u00f3m t\u1eaft<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>M\u1ee9c b\u1ea3o hi\u1ec3m t\u1ed1i thi\u1ec3u \u0111\u1ec3 xin th\u1ecb th\u1ef1c Schengen th\u01b0\u1eddng l\u00e0 30.000 euro v\u00e0 ch\u1ee7 y\u1ebfu ph\u1ea3i bao g\u1ed3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb y t\u1ebf v\u00e0 v\u1eadn chuy\u1ec3n y t\u1ebf. Tuy nhi\u00ean, \u0111\u00e2y kh\u00f4ng ph\u1ea3i l\u00e0 \u0111i\u1ec1u ki\u1ec7n duy nh\u1ea5t. S\u1ef1 ph\u00f9 h\u1ee3p c\u1ee7a gi\u1ea5y t\u1edd v\u1edbi m\u1ee5c \u0111\u00edch l\u01b0u tr\u00fa, t\u00ednh ch\u00ednh x\u00e1c c\u1ee7a th\u00f4ng tin v\u00e0 th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m \u0111\u1ea7y \u0111\u1ee7 c\u0169ng r\u1ea5t quan tr\u1ecdng. N\u1ebfu b\u1ea1n mu\u1ed1n ho\u00e0n t\u1ea5t th\u1ee7 t\u1ee5c m\u1ed9t c\u00e1ch an to\u00e0n, h\u00e3y so s\u00e1nh kh\u00f4ng ch\u1ec9 gi\u00e1 c\u1ea3 m\u00e0 c\u00f2n c\u1ea3 ph\u1ea1m vi b\u1ea3o hi\u1ec3m th\u1ef1c t\u1ebf. M\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c l\u1ef1a ch\u1ecdn ph\u00f9 h\u1ee3p s\u1ebd gi\u00fap vi\u1ec7c n\u1ed9p \u0111\u01a1n d\u1ec5 d\u00e0ng h\u01a1n v\u00e0 gi\u1ea3m thi\u1ec3u r\u1ee7i ro v\u1ec1 c\u00e1c v\u1ea5n \u0111\u1ec1 th\u1ee7 t\u1ee5c.<\/p>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m cho th\u1ecb th\u1ef1c l\u00e0 m\u1ee9c b\u1ea3o hi\u1ec3m y t\u1ebf t\u1ed1i thi\u1ec3u m\u00e0 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u00ednh k\u00e8m \u0111\u01a1n xin th\u1ecb th\u1ef1c ph\u1ea3i \u0111\u1ea3m b\u1ea3o. \u0110\u1ed1i v\u1edbi th\u1ecb th\u1ef1c Schengen\u2026<\/p>","protected":false},"author":2,"featured_media":3624,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[41],"tags":[52,45,53,46,51],"class_list":["post-3625","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-podstawy-prawne-i-wymagania-wizowe","tag-koszty-leczenia","tag-ubezpieczenie-do-wizy","tag-ubezpieczenie-zdrowotne","tag-wiza-schengen","tag-zakres-ochrony"],"acf":[],"yoast_head":"<!-- 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