{"id":3698,"date":"2026-10-28T16:06:18","date_gmt":"2026-10-28T15:06:18","guid":{"rendered":"https:\/\/ubezpieczeniecudzoziemca.pl\/?p=3698"},"modified":"2026-10-28T16:06:18","modified_gmt":"2026-10-28T15:06:18","slug":"bao-hiem-y-te-cho-nguoi-nuoc-ngoai-cach-kiem-tra-cac-tai-lieu-va-dieu-khoan-bao-hiem","status":"publish","type":"post","link":"https:\/\/ubezpieczeniecudzoziemca.pl\/vi\/poradnik\/podstawy-prawne-i-wymagania-wizowe\/polisa-zdrowotna-dla-cudzoziemca-jak-sprawdzic-dokumenty-i-owu\/","title":{"rendered":"B\u1ea3o hi\u1ec3m y t\u1ebf cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i \u2013 ph\u00e1p lu\u1eadt quy \u0111\u1ecbnh nh\u01b0 th\u1ebf n\u00e0o?"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Ch\u1ee9ng nh\u1eadn b\u1ea3o hi\u1ec3m y t\u1ebf d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u khi chu\u1ea9n b\u1ecb c\u00e1c gi\u1ea5y t\u1edd li\u00ean quan \u0111\u1ebfn vi\u1ec7c nh\u1eadp c\u1ea3nh ho\u1eb7c l\u01b0u tr\u00fa t\u1ea1i Ba Lan. Tuy nhi\u00ean, ch\u1ec9 ri\u00eang thu\u1eadt ng\u1eef \u201eh\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m\u201d l\u00e0 ch\u01b0a \u0111\u1ee7 \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 li\u1ec7u t\u00e0i li\u1ec7u \u0111\u00f3 c\u00f3 ph\u00f9 h\u1ee3p v\u1edbi tr\u01b0\u1eddng h\u1ee3p c\u1ee5 th\u1ec3 hay kh\u00f4ng. C\u1ea7n ph\u00e2n bi\u1ec7t r\u00f5 gi\u1eefa c\u00e1c y\u00eau c\u1ea7u h\u00e0nh ch\u00ednh v\u00e0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m, sau \u0111\u00f3 ki\u1ec3m tra xem hai y\u1ebfu t\u1ed1 n\u00e0y c\u00f3 ph\u00f9 h\u1ee3p v\u1edbi nhau hay kh\u00f4ng. <strong>Gi\u1ea5y ch\u1ee9ng nh\u1eadn b\u1ea3o hi\u1ec3m kh\u00f4ng ph\u1ea3i l\u00e0 v\u0103n b\u1ea3n ph\u00e1p l\u00fd<\/strong>, trong khi \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) m\u00f4 t\u1ea3 m\u1ed1i quan h\u1ec7 v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m, ch\u1ee9 kh\u00f4ng ph\u1ea3i k\u1ebft qu\u1ea3 c\u1ee7a th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh. Do \u0111\u00f3, tr\u00ecnh t\u1ef1 c\u00e1c b\u01b0\u1edbc \u0111\u01b0\u1ee3c khuy\u1ebfn ngh\u1ecb nh\u01b0 sau: tr\u01b0\u1edbc ti\u00ean l\u00e0 x\u00e1c \u0111\u1ecbnh c\u00e1c y\u00eau c\u1ea7u hi\u1ec7n h\u00e0nh \u0111\u1ed1i v\u1edbi v\u1ee5 vi\u1ec7c c\u1ee5 th\u1ec3, sau \u0111\u00f3 l\u00e0 l\u1ef1a ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p v\u00e0 ki\u1ec3m tra c\u00e1c t\u00e0i li\u1ec7u tr\u01b0\u1edbc khi n\u1ed9p.<\/p>\n\n\n\n<div class=\"wp-block-group has-theme-palette-8-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n\n<p class=\"has-medium-font-size wp-block-paragraph\">M\u1ee5c l\u1ee5c:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n\n<li><a href=\"#polisa-a-wymagania-dotyczace-wjazdu-lub-pobytu\">H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c y\u00eau c\u1ea7u v\u1ec1 nh\u1eadp c\u1ea3nh ho\u1eb7c l\u01b0u tr\u00fa<\/a><\/li>\n\n\n\n<li><a href=\"#co-naprawde-wynika-z-owu\">\u0110i\u1ec1u g\u00ec th\u1ef1c s\u1ef1 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung (OWU)<\/a><\/li>\n\n\n\n<li><a href=\"#jak-sprawdzic-polise-przed-zakupem\">C\u00e1ch ki\u1ec3m tra h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m tr\u01b0\u1edbc khi mua<\/a><\/li>\n\n\n\n<li><a href=\"#dokumenty-ktore-warto-zachowac\">C\u00e1c t\u00e0i li\u1ec7u n\u00ean \u0111\u01b0\u1ee3c l\u01b0u gi\u1eef<\/a><\/li>\n\n\n\n<li><a href=\"#co-zrobic-gdy-potrzebna-jest-pomoc\">Ph\u1ea3i l\u00e0m g\u00ec khi c\u1ea7n s\u1ef1 gi\u00fap \u0111\u1ee1<\/a><\/li>\n\n\n\n<li><a href=\"#faq\">C\u00e1c c\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p nh\u1ea5t<\/a><\/li>\n\n<\/ol>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"polisa-a-wymagania-dotyczace-wjazdu-lub-pobytu\">H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c y\u00eau c\u1ea7u v\u1ec1 nh\u1eadp c\u1ea3nh ho\u1eb7c l\u01b0u tr\u00fa<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">S\u1ef1 ph\u00e2n bi\u1ec7t quan tr\u1ecdng nh\u1ea5t li\u00ean quan \u0111\u1ebfn ngu\u1ed3n th\u00f4ng tin. C\u01a1 quan ch\u1ee9c n\u0103ng \u0111\u00e1nh gi\u00e1 c\u00e1c t\u00e0i li\u1ec7u trong khu\u00f4n kh\u1ed5 m\u1ed9t th\u1ee7 t\u1ee5c c\u1ee5 th\u1ec3, trong khi c\u00f4ng ty b\u1ea3o hi\u1ec3m quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng ph\u1ea1m vi b\u1ea3o hi\u1ec3m, ngh\u0129a v\u1ee5 c\u1ee7a c\u00e1c b\u00ean v\u00e0 c\u00e1c quy t\u1eafc x\u1eed l\u00fd sau khi s\u1ef1 c\u1ed1 x\u1ea3y ra. Hai h\u1ec7 th\u1ed1ng n\u00e0y c\u00f3 li\u00ean quan v\u1edbi nhau, nh\u01b0ng kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed9t.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Do \u0111\u00f3, kh\u00f4ng n\u00ean cho r\u1eb1ng m\u1ecdi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m chi ph\u00ed y t\u1ebf \u0111\u1ec1u ph\u00f9 h\u1ee3p v\u1edbi m\u1ecdi lo\u1ea1i th\u1ecb th\u1ef1c ho\u1eb7c gi\u1ea5y ph\u00e9p c\u01b0 tr\u00fa. <strong>\u0110\u1eebng gi\u1ea3 \u0111\u1ecbnh r\u1eb1ng s\u1ebd \u0111\u01b0\u1ee3c ch\u1ea5p nh\u1eadn t\u1ef1 \u0111\u1ed9ng<\/strong> ch\u1ec9 v\u00ec tr\u00ean t\u00e0i li\u1ec7u c\u00f3 ghi t\u00ean ch\u01b0\u01a1ng tr\u00ecnh b\u1ea3o hi\u1ec3m y t\u1ebf. S\u1ebd an to\u00e0n h\u01a1n n\u1ebfu b\u1ea1n ki\u1ec3m tra k\u1ef9 c\u00e1c y\u00eau c\u1ea7u li\u00ean quan \u0111\u1ebfn m\u1ee5c \u0111\u00edch, t\u00ecnh hu\u1ed1ng c\u1ee5 th\u1ec3 v\u00e0 th\u1eddi h\u1ea1n n\u1ed9p h\u1ed3 s\u01a1 c\u1ee7a b\u1ea3n th\u00e2n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc khi l\u1ef1a ch\u1ecdn ph\u01b0\u01a1ng \u00e1n b\u1ea3o v\u1ec7, tr\u01b0\u1edbc h\u1ebft h\u00e3y x\u00e1c \u0111\u1ecbnh <strong>m\u1ee5c \u0111\u00edch c\u1ee7a v\u1ee5 vi\u1ec7c<\/strong>. Ng\u01b0\u1eddi chu\u1ea9n b\u1ecb h\u1ed3 s\u01a1 xin th\u1ecb th\u1ef1c c\u00f3 th\u1ec3 c\u1ea7n nh\u1eefng gi\u1ea5y t\u1edd kh\u00e1c so v\u1edbi ng\u01b0\u1eddi ho\u00e0n thi\u1ec7n h\u1ed3 s\u01a1 c\u01b0 tr\u00fa. B\u1ea1n c\u00f3 th\u1ec3 t\u00ecm th\u1ea5y ph\u1ea7n ph\u00e2n t\u00edch chi ti\u1ebft v\u1ec1 m\u1ed9t trong nh\u1eefng tr\u01b0\u1eddng h\u1ee3p n\u00e0y trong c\u1ea9m nang v\u1ec1 <a href=\"https:\/\/ubezpieczeniecudzoziemca.pl\/vi\/cam-nang\/co-so-phap-ly-va-cac-yeu-cau-ve-thi-thuc\/bao-hiem-y-te-cho-thi-thuc-lao-dong-theo-quy-dinh-phap-luat\/\">b\u1ea3o hi\u1ec3m cho th\u1ecb th\u1ef1c lao \u0111\u1ed9ng<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Th\u1eddi \u0111i\u1ec3m ki\u1ec3m tra c\u0169ng r\u1ea5t quan tr\u1ecdng. Kh\u00f4ng n\u00ean d\u1ef1a v\u00e0o tr\u00ed nh\u1edb hay \u0111\u01a1n \u0111\u0103ng k\u00fd c\u0169 \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh c\u00e1c y\u00eau c\u1ea7u. <strong>Danh m\u1ee5c c\u00e1c t\u00e0i li\u1ec7u c\u1ea7n thi\u1ebft hi\u1ec7n t\u1ea1i<\/strong> C\u1ea7n x\u00e1c nh\u1eadn l\u1ea1i cho t\u1eebng tr\u01b0\u1eddng h\u1ee3p c\u1ee5 th\u1ec3 tr\u01b0\u1edbc khi mua v\u00e0 m\u1ed9t l\u1ea7n n\u1eefa tr\u01b0\u1edbc khi n\u1ed9p h\u1ed3 s\u01a1 \u0111\u1ea7y \u0111\u1ee7.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"co-naprawde-wynika-z-owu\">\u0110i\u1ec1u g\u00ec th\u1ef1c s\u1ef1 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung (OWU)<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chung (OWU) quy \u0111\u1ecbnh c\u00e1c nguy\u00ean t\u1eafc ho\u1ea1t \u0111\u1ed9ng c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee5 th\u1ec3. Trong \u0111\u00f3 bao g\u1ed3m c\u00e1c th\u00f4ng tin li\u00ean quan \u0111\u1ebfn ph\u1ea1m vi b\u1ea3o hi\u1ec3m, ngh\u0129a v\u1ee5 c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, c\u00e1c gi\u1edbi h\u1ea1n tr\u00e1ch nhi\u1ec7m c\u0169ng nh\u01b0 c\u00e1c th\u1ee7 t\u1ee5c c\u1ea7n th\u1ef1c hi\u1ec7n khi x\u1ea3y ra s\u1ef1 ki\u1ec7n \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m. Tuy nhi\u00ean, c\u1ea7n l\u01b0u \u00fd r\u1eb1ng OWU kh\u00f4ng thay th\u1ebf cho c\u00e1c quy \u0111\u1ecbnh v\u00e0 h\u01b0\u1edbng d\u1eabn li\u00ean quan \u0111\u1ebfn th\u1ee7 t\u1ee5c xin th\u1ecb th\u1ef1c ho\u1eb7c c\u01b0 tr\u00fa.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u1ed9t v\u00ed d\u1ee5 \u0111i\u1ec3n h\u00ecnh l\u00e0 s\u1ea3n ph\u1ea9m Compensa Cudzoziemiec \u0111\u01b0\u1ee3c m\u00f4 t\u1ea3 trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) n\u0103m 2026. Theo t\u00e0i li\u1ec7u n\u00e0y, Compensa s\u1ebd t\u1ed5 ch\u1ee9c h\u1ed7 tr\u1ee3 y t\u1ebf li\u00ean quan \u0111\u1ebfn c\u00e1c v\u1ea5n \u0111\u1ec1 s\u1ee9c kh\u1ecfe v\u00e0 chi tr\u1ea3 c\u00e1c chi ph\u00ed n\u00e0y cho \u0111\u1ebfn khi t\u00ecnh tr\u1ea1ng s\u1ee9c kh\u1ecfe c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m cho ph\u00e9p h\u1ecd tr\u1edf v\u1ec1 ho\u1eb7c \u0111\u01b0\u1ee3c v\u1eadn chuy\u1ec3n v\u1ec1 n\u01b0\u1edbc th\u01b0\u1eddng tr\u00fa. \u0110\u00e2y l\u00e0 th\u00f4ng tin v\u1ec1 c\u00e1ch th\u1ee9c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a h\u1ee3p \u0111\u1ed3ng c\u1ee5 th\u1ec3 n\u00e0y. <strong>\u0110i\u1ec1u n\u00e0y kh\u00f4ng ph\u1ea3i l\u00e0 s\u1ef1 \u0111\u1ea3m b\u1ea3o cho quy\u1ebft \u0111\u1ecbnh c\u1ee7a c\u01a1 quan ch\u1ee9c n\u0103ng<\/strong> c\u0169ng nh\u01b0 kh\u00f4ng c\u00f3 b\u1eb1ng ch\u1ee9ng n\u00e0o cho th\u1ea5y c\u01a1 ch\u1ebf n\u00e0y xu\u1ea5t hi\u1ec7n trong m\u1ecdi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Khi ki\u1ec3m tra h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f9ng v\u1edbi \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung (OWU), h\u00e3y ch\u00fa \u00fd \u00edt nh\u1ea5t \u0111\u1ebfn c\u00e1c y\u1ebfu t\u1ed1 sau \u0111\u00e2y:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-owu-checklist:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-owu-checklist ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-owu-checklist ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-owu-checklist .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-owu-checklist ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-itemsklc-owu-checklist ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-owu-checklist ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-owu-checklist .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-owu-checklist ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-owu-checklist .kb-svg-icon-wrap{font-size:20px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-itemsklc-owu-checklist kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop kt-tablet-svg-icon-list-columns-1 kt-mobile-svg-icon-list-columns-1\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-klc-owu-data .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-klc-owu-data .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-klc-owu-data kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m: th\u00f4ng tin c\u1ee7a ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i<\/strong> v\u00e0 t\u00ednh nh\u1ea5t qu\u00e1n c\u1ee7a th\u00f4ng tin trong t\u00e0i li\u1ec7u;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-klc-owu-okres .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-klc-owu-okres .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-klc-owu-okres kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m: th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m<\/strong> c\u00f9ng v\u1edbi c\u00e1c ng\u00e0y c\u1ee5 th\u1ec3 b\u1eaft \u0111\u1ea7u v\u00e0 k\u1ebft th\u00fac th\u1eddi h\u1ea1n b\u1ea3o h\u1ed9;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-klc-owu-terytorium .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-klc-owu-terytorium .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-klc-owu-terytorium kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m: ph\u1ea1m vi b\u1ea3o hi\u1ec3m<\/strong> \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-klc-owu-suma .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-klc-owu-suma .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-klc-owu-suma kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m: ph\u01b0\u01a1ng \u00e1n \u0111\u00e3 ch\u1ecdn v\u00e0 s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m<\/strong>;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-klc-owu-wylaczenia .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-klc-owu-wylaczenia .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-klc-owu-wylaczenia kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung: ph\u1ea1m vi, gi\u1edbi h\u1ea1n v\u00e0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p mi\u1ec5n tr\u1eeb tr\u00e1ch nhi\u1ec7m<\/strong>;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-klc-owu-procedura .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-klc-owu-procedura .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-klc-owu-procedura kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU): c\u00e1c quy \u0111\u1ecbnh v\u1ec1 th\u1eddi \u0111i\u1ec3m b\u1eaft \u0111\u1ea7u v\u00e0 k\u1ebft th\u00fac tr\u00e1ch nhi\u1ec7m, c\u0169ng nh\u01b0 th\u1ee7 t\u1ee5c th\u00f4ng b\u00e1o s\u1ef1 c\u1ed1<\/strong>.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng n\u00ean sao ch\u00e9p c\u00e1c th\u00f4ng s\u1ed1 t\u1eeb b\u00e1o gi\u00e1 c\u1ee7a ng\u01b0\u1eddi kh\u00e1c. Ph\u1ea1m vi b\u1ea3o hi\u1ec3m ph\u1ea3i \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 d\u1ef1a tr\u00ean c\u00e1c t\u00e0i li\u1ec7u \u0111\u01b0\u1ee3c l\u1eadp ri\u00eang cho t\u1eebng ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m c\u1ee5 th\u1ec3. N\u1ebfu b\u1ea1n c\u1ea7n trang gi\u1edbi thi\u1ec7u s\u1ea3n ph\u1ea9m d\u00e0nh ri\u00eang cho m\u1ee5c \u0111\u00edch n\u00e0y, h\u00e3y xem <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 th\u1ecb th\u1ef1c v\u00e0 th\u1ebb c\u01b0 tr\u00fa<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-sprawdzic-polise-przed-zakupem\">C\u00e1ch ki\u1ec3m tra h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m tr\u01b0\u1edbc khi mua<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00e1ch ki\u1ec3m tra \u0111\u01a1n gi\u1ea3n nh\u1ea5t l\u00e0 so s\u00e1nh hai danh s\u00e1ch: c\u00e1c y\u00eau c\u1ea7u li\u00ean quan \u0111\u1ebfn tr\u01b0\u1eddng h\u1ee3p c\u1ee7a b\u1ea3n th\u00e2n v\u00e0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a h\u1ee3p \u0111\u1ed3ng \u0111\u01b0\u1ee3c \u0111\u1ec1 xu\u1ea5t. V\u1ea5n \u0111\u1ec1 kh\u00f4ng ph\u1ea3i l\u00e0 ch\u1ecdn b\u1ea3n h\u1ee3p \u0111\u1ed3ng d\u00e0i nh\u1ea5t, m\u00e0 l\u00e0 ph\u00e1t hi\u1ec7n ra nh\u1eefng \u0111i\u1ec3m kh\u00f4ng kh\u1edbp tr\u01b0\u1edbc khi thanh to\u00e1n ph\u00ed b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><strong>H\u00e3y ki\u1ec3m tra tr\u01b0\u1edbc khi thanh to\u00e1n<\/strong>:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-before-payment:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-before-payment ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-before-payment ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-before-payment .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-before-payment ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-itemsklc-before-payment ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-before-payment ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-before-payment .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-before-payment ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-before-payment .kb-svg-icon-wrap{font-size:20px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-itemsklc-before-payment kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop kt-tablet-svg-icon-list-columns-1 kt-mobile-svg-icon-list-columns-1\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-klc-before-payment-1 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-klc-before-payment-1 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-klc-before-payment-1 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">T\u00ean, h\u1ecd v\u00e0 c\u00e1c th\u00f4ng tin nh\u1eadn d\u1ea1ng kh\u00e1c c\u00f3 kh\u1edbp v\u1edbi c\u00e1c gi\u1ea5y t\u1edd c\u1ee7a ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i kh\u00f4ng?<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-klc-before-payment-2 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-klc-before-payment-2 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-klc-before-payment-2 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Th\u1eddi h\u1ea1n b\u1ea3o h\u1ed9 c\u00f3 ph\u00f9 h\u1ee3p v\u1edbi c\u00e1c m\u1ed1c th\u1eddi gian quan tr\u1ecdng trong v\u1ee5 vi\u1ec7c n\u00e0y kh\u00f4ng?<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-klc-before-payment-3 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-klc-before-payment-3 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-klc-before-payment-3 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">T\u00e0i li\u1ec7u n\u00e0y c\u00f3 n\u00eau r\u00f5 t\u00ean c\u00f4ng ty b\u1ea3o hi\u1ec3m, ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m v\u00e0 ph\u1ea1m vi l\u00e3nh th\u1ed5 hay kh\u00f4ng?<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-klc-before-payment-4 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-klc-before-payment-4 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-klc-before-payment-4 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">C\u00f3 th\u1ec3 nh\u1eadn \u0111\u01b0\u1ee3c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) d\u01b0\u1edbi d\u1ea1ng c\u00f3 th\u1ec3 l\u01b0u gi\u1eef v\u00e0 xu\u1ea5t tr\u00ecnh \u0111\u01b0\u1ee3c kh\u00f4ng?<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-klc-before-payment-5 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-klc-before-payment-5 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-klc-before-payment-5 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">C\u00e1c quy \u0111\u1ecbnh v\u1ec1 h\u1ed7 tr\u1ee3 trong tr\u01b0\u1eddng h\u1ee3p kh\u1ea9n c\u1ea5p c\u00f3 \u0111\u01b0\u1ee3c gi\u1ea3i th\u00edch r\u00f5 r\u00e0ng tr\u01b0\u1edbc khi k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng kh\u00f4ng?<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-klc-before-payment-6 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-klc-before-payment-6 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-klc-before-payment-6 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Li\u1ec7u c\u00e1c h\u1ea1n ch\u1ebf v\u00e0 ngh\u0129a v\u1ee5 c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m c\u00f3 b\u1ecb b\u1ecf qua trong qu\u00e1 tr\u00ecnh l\u1ef1a ch\u1ecdn hay kh\u00f4ng?<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu v\u1ee5 vi\u1ec7c li\u00ean quan \u0111\u1ebfn gi\u1ea5y ph\u00e9p c\u01b0 tr\u00fa, c\u00e1c t\u00e0i li\u1ec7u gi\u1ea3i th\u00edch v\u1ec1 m\u1ed1i li\u00ean h\u1ec7 gi\u1eefa c\u00e1c y\u1ebfu t\u1ed1 n\u00e0y c\u0169ng s\u1ebd r\u1ea5t h\u1eefu \u00edch <a href=\"https:\/\/ubezpieczeniecudzoziemca.pl\/vi\/cam-nang\/co-so-phap-ly-va-cac-yeu-cau-ve-thi-thuc\/the-cu-tru-va-bao-hiem-y-te\/\">b\u1ea3o hi\u1ec3m v\u00e0 th\u1ebb c\u01b0 tr\u00fa<\/a>. H\u00e3y coi \u0111\u00e2y l\u00e0 h\u01b0\u1edbng d\u1eabn \u0111\u1ec3 s\u1eafp x\u1ebfp c\u00e1c t\u00e0i li\u1ec7u, \u0111\u1ed3ng th\u1eddi h\u00e3y x\u00e1c nh\u1eadn c\u00e1c y\u00eau c\u1ea7u \u0111\u1ed1i v\u1edbi th\u1ee7 t\u1ee5c c\u1ee7a b\u1ea1n trong ngu\u1ed3n th\u00f4ng tin m\u1edbi nh\u1ea5t c\u00f3 li\u00ean quan \u0111\u1ebfn v\u1ee5 vi\u1ec7c n\u00e0y.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u00ean l\u00e0m r\u00f5 nh\u1eefng th\u1eafc m\u1eafc tr\u01b0\u1edbc khi mua, ch\u1ee9 kh\u00f4ng ph\u1ea3i sau khi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u00e3 \u0111\u01b0\u1ee3c l\u1eadp. <strong>\u0110i\u1ec1u quan tr\u1ecdng l\u00e0 t\u00ednh ph\u00f9 h\u1ee3p c\u1ee7a t\u00e0i li\u1ec7u c\u1ee5 th\u1ec3 \u0111\u00f3<\/strong>, ch\u1ee9 kh\u00f4ng ph\u1ea3i t\u00ean chung c\u1ee7a s\u1ea3n ph\u1ea9m hay kh\u1ea9u hi\u1ec7u qu\u1ea3ng c\u00e1o.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"dokumenty-ktore-warto-zachowac\">C\u00e1c t\u00e0i li\u1ec7u n\u00ean \u0111\u01b0\u1ee3c l\u01b0u gi\u1eef<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Sau khi mua, h\u00e3y gi\u1eef l\u1ea1i \u0111\u1ea7y \u0111\u1ee7 b\u1ed9 t\u00e0i li\u1ec7u \u0111\u00e3 nh\u1eadn. B\u1ea3n th\u00e2n th\u1ebb b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 kh\u00f4ng gi\u1ea3i th\u00edch r\u00f5 c\u00e1c quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c s\u1eed d\u1ee5ng quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m. B\u1ea1n c\u0169ng c\u00f3 th\u1ec3 c\u1ea7n \u0111\u1ebfn \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU), gi\u1ea5y x\u00e1c nh\u1eadn th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c t\u00e0i li\u1ec7u \u0111\u01b0\u1ee3c cung c\u1ea5p khi k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B\u1ed9 s\u1ea3n ph\u1ea9m ti\u1ec7n d\u1ee5ng n\u00e0y bao g\u1ed3m:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-documents:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-documents ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-documents ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-documents .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-documents ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-itemsklc-documents ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-documents ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-documents .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-documents ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsklc-documents .kb-svg-icon-wrap{font-size:20px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-itemsklc-documents kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop kt-tablet-svg-icon-list-columns-1 kt-mobile-svg-icon-list-columns-1\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-klc-documents-1 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-klc-documents-1 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-klc-documents-1 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 th\u00f4ng tin c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-klc-documents-2 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-klc-documents-2 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-klc-documents-2 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">C\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung \u00e1p d\u1ee5ng cho h\u1ee3p \u0111\u1ed3ng \u0111\u00e3 k\u00fd k\u1ebft;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-klc-documents-3 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-klc-documents-3 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-klc-documents-3 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">gi\u1ea5y x\u00e1c nh\u1eadn \u0111\u00e3 \u0111\u00f3ng ph\u00ed b\u1ea3o hi\u1ec3m, n\u1ebfu c\u00f3;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-klc-documents-4 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-klc-documents-4 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-klc-documents-4 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">c\u00e1c th\u00f4ng tin c\u1ea7n thi\u1ebft \u0111\u1ec3 b\u00e1o c\u00e1o s\u1ef1 c\u1ed1;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-klc-documents-5 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-klc-documents-5 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-klc-documents-5 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">c\u00e1c v\u0103n b\u1ea3n li\u00ean quan \u0111\u1ebfn vi\u1ec7c thay \u0111\u1ed5i ho\u1eb7c \u0111i\u1ec1u ch\u1ec9nh d\u1eef li\u1ec7u.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<div class=\"wp-block-group has-theme-palette-8-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><strong>H\u00e3y gi\u1eef l\u1ea1i c\u00e1c gi\u1ea5y t\u1edd sau khi mua h\u00e0ng<\/strong> c\u1ea3 d\u01b0\u1edbi d\u1ea1ng \u0111i\u1ec7n t\u1eed l\u1eabn \u1edf m\u1ed9t n\u01a1i d\u1ec5 t\u00ecm. Ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m n\u00ean bi\u1ebft n\u01a1i t\u00ecm s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 h\u01b0\u1edbng d\u1eabn x\u1eed l\u00fd khi \u0111\u1ed9t ng\u1ed9t c\u1ea7n s\u1ef1 tr\u1ee3 gi\u00fap.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) c\u1ee7a Compensa d\u00e0nh cho Ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i n\u0103m 2026, trong s\u1ed1 c\u00e1c ngh\u0129a v\u1ee5 \u0111\u01b0\u1ee3c n\u00eau r\u00f5 c\u00f3 vi\u1ec7c chuy\u1ec3n giao <strong>m\u1eabu \u0111\u01a1n khai b\u00e1o thi\u1ec7t h\u1ea1i \u0111\u00e3 \u0111i\u1ec1n \u0111\u1ea7y \u0111\u1ee7<\/strong>, c\u00e1c t\u00e0i li\u1ec7u c\u1ea7n thi\u1ebft \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh t\u00ednh h\u1ee3p l\u1ec7 c\u1ee7a y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng v\u00e0 m\u1ee9c b\u1ed3i th\u01b0\u1eddng, c\u0169ng nh\u01b0 vi\u1ec7c thu th\u1eadp h\u1ed3 s\u01a1 y t\u1ebf. V\u0103n b\u1ea3n n\u00e0y c\u0169ng quy \u0111\u1ecbnh vi\u1ec7c cung c\u1ea5p c\u00e1c b\u1eb1ng ch\u1ee9ng c\u1ea7n thi\u1ebft \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh c\u00e1c t\u00ecnh ti\u1ebft v\u00e0 m\u1ee9c \u0111\u1ed9 thi\u1ec7t h\u1ea1i. <strong>Lo\u1ea1i v\u1eadt li\u1ec7u c\u1ea7n thi\u1ebft t\u00f9y thu\u1ed9c v\u00e0o t\u1eebng s\u1ef1 c\u1ed1<\/strong> c\u0169ng nh\u01b0 to\u00e0n b\u1ed9 h\u1ee3p \u0111\u1ed3ng, do \u0111\u00f3 kh\u00f4ng n\u00ean coi danh s\u00e1ch ng\u1eafn n\u00e0y l\u00e0 quy tr\u00ecnh ho\u00e0n ch\u1ec9nh \u00e1p d\u1ee5ng cho m\u1ecdi t\u00ecnh hu\u1ed1ng.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"co-zrobic-gdy-potrzebna-jest-pomoc\">Ph\u1ea3i l\u00e0m g\u00ec khi c\u1ea7n s\u1ef1 gi\u00fap \u0111\u1ee1<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Trong tr\u01b0\u1eddng h\u1ee3p x\u1ea3y ra s\u1ef1 c\u1ed1 s\u1ee9c kh\u1ecfe \u0111\u1ed9t ng\u1ed9t, tr\u01b0\u1edbc ti\u00ean c\u1ea7n \u0111\u1ea3m b\u1ea3o an to\u00e0n cho ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m. <strong>An to\u00e0n l\u00e0 tr\u00ean h\u1ebft<\/strong>, sau \u0111\u00f3 l\u00e0 c\u00e1c th\u1ee7 t\u1ee5c c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n trong ho\u00e0n c\u1ea3nh c\u1ee5 th\u1ec3. Khi t\u00ecnh h\u00ecnh cho ph\u00e9p, c\u1ea7n tham kh\u1ea3o c\u00e1c h\u01b0\u1edbng d\u1eabn trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU), \u0111\u1ed3ng th\u1eddi tu\u00e2n th\u1ee7 c\u00e1c quy \u0111\u1ecbnh \u00e1p d\u1ee5ng cho h\u1ee3p \u0111\u1ed3ng \u0111\u00e3 k\u00fd k\u1ebft.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Khi \u0111\u0103ng k\u00fd, c\u00e1c y\u1ebfu t\u1ed1 sau \u0111\u00e2y c\u00f3 th\u1ec3 c\u00f3 \u00fd ngh\u0129a <strong>h\u1ed3 s\u01a1 y t\u1ebf v\u00e0 c\u00e1c b\u1eb1ng ch\u1ee9ng kh\u00e1c<\/strong> li\u00ean quan \u0111\u1ebfn s\u1ef1 c\u1ed1. B\u1ea1n n\u00ean l\u01b0u gi\u1eef c\u00e1c t\u00e0i li\u1ec7u nh\u1eadn \u0111\u01b0\u1ee3c li\u00ean quan \u0111\u1ebfn vi\u1ec7c h\u1ed7 tr\u1ee3 \u0111\u00e3 \u0111\u01b0\u1ee3c cung c\u1ea5p v\u00e0 kh\u00f4ng x\u00f3a c\u00e1c th\u01b0 t\u1eeb trao \u0111\u1ed5i v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m. Ngo\u00e0i ra, b\u1ea1n c\u0169ng n\u00ean <strong>m\u00f4 t\u1ea3 chi ti\u1ebft v\u1ec1 s\u1ef1 vi\u1ec7c<\/strong>: th\u1eddi \u0111i\u1ec3m v\u00e0 ho\u00e0n c\u1ea3nh x\u1ea3y ra s\u1ef1 c\u1ed1, c\u0169ng nh\u01b0 c\u00e1c bi\u1ec7n ph\u00e1p \u0111\u00e3 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng \u0111\u01b0\u1ee3c chuy\u1ec3n th\u1ee7 t\u1ee5c t\u1eeb h\u1ee3p \u0111\u1ed3ng n\u00e0y sang h\u1ee3p \u0111\u1ed3ng kh\u00e1c. S\u1ed1 \u0111i\u1ec7n tho\u1ea1i li\u00ean h\u1ec7, c\u00e1c m\u1eabu \u0111\u01a1n v\u00e0 c\u00e1c t\u00e0i li\u1ec7u c\u1ea7n thi\u1ebft \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 trong t\u1eebng h\u1ee3p \u0111\u1ed3ng. <strong>C\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee5 th\u1ec3 s\u1ebd quy\u1ebft \u0111\u1ecbnh<\/strong>, do \u0111\u00f3 t\u00e0i li\u1ec7u hi\u1ec7n t\u1ea1i n\u00ean \u0111\u01b0\u1ee3c cung c\u1ea5p ngay t\u1eeb th\u1eddi \u0111i\u1ec3m mua h\u00e0ng.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu b\u1ea1n \u0111ang trong qu\u00e1 tr\u00ecnh l\u1ef1a ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m, b\u1ea1n c\u00f3 th\u1ec3 truy c\u1eadp trang web chuy\u00ean v\u1ec1 <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>. H\u00e3y ki\u1ec3m tra c\u00e1c th\u00f4ng s\u1ed1 tr\u01b0\u1edbc khi k\u00fd h\u1ee3p \u0111\u1ed3ng v\u00e0 t\u00ednh to\u00e1n m\u1ee9c ph\u00ed d\u1ef1a tr\u00ean th\u00f4ng tin c\u00e1 nh\u00e2n c\u1ee7a ng\u01b0\u1eddi s\u1ebd \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/ubezpieczeniecudzoziemca.pl\/vi\/chi-phi-dieu-tri-cho-nguoi-nuoc-ngoai-klc\/\">T\u00cdNH PH\u00cd B\u1ea2O HI\u1ec2M<\/a><\/div>\n\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y s\u1eed d\u1ee5ng c\u00f4ng c\u1ee5 t\u00ednh chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i c\u1ee7a ch\u00fang t\u00f4i \u0111\u1ec3 t\u00ednh to\u00e1n m\u1ee9c \u0111\u00f3ng b\u1ea3o hi\u1ec3m. <strong>Tr\u01b0\u1edbc khi mua, h\u00e3y nh\u1edb ki\u1ec3m tra c\u00e1c \u0111i\u1ec1u ki\u1ec7n<\/strong> v\u00e0 h\u00e3y l\u01b0u gi\u1eef c\u00e1c t\u00e0i li\u1ec7u nh\u1eadn \u0111\u01b0\u1ee3c sau khi k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"faq\">C\u00e1c c\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p nh\u1ea5t<\/h2>\n\n\n\n<div class=\"wp-block-group has-theme-palette-8-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n\n<h3 class=\"wp-block-heading\" id=\"czy-kazda-polisa-zdrowotna-bedzie-odpowiednia-do-wizy-lub-karty-pobytu\">Li\u1ec7u m\u1ecdi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m y t\u1ebf \u0111\u1ec1u ph\u00f9 h\u1ee3p v\u1edbi th\u1ecb th\u1ef1c ho\u1eb7c th\u1ebb c\u01b0 tr\u00fa hay kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng th\u1ec3 k\u1ebft lu\u1eadn \u0111i\u1ec1u n\u00e0y ch\u1ec9 d\u1ef1a tr\u00ean t\u00ean s\u1ea3n ph\u1ea9m. C\u1ea7n ph\u1ea3i so s\u00e1nh c\u00e1c y\u00eau c\u1ea7u hi\u1ec7n h\u00e0nh li\u00ean quan \u0111\u1ebfn tr\u01b0\u1eddng h\u1ee3p c\u1ee5 th\u1ec3 v\u1edbi n\u1ed9i dung c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) t\u01b0\u01a1ng \u1ee9ng. M\u1ed7i tr\u01b0\u1eddng h\u1ee3p \u0111\u1ec1u c\u1ea7n \u0111\u01b0\u1ee3c ki\u1ec3m tra t\u00e0i li\u1ec7u m\u1ed9t c\u00e1ch ri\u00eang bi\u1ec7t.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-owu-potwierdzaja-spelnienie-wymagan-prawnych\">C\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) c\u00f3 x\u00e1c nh\u1eadn vi\u1ec7c tu\u00e2n th\u1ee7 c\u00e1c y\u00eau c\u1ea7u ph\u00e1p l\u00fd hay kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0111i\u1ec1u ki\u1ec7n chung (OWU) quy \u0111\u1ecbnh c\u00e1c \u0111i\u1ec1u ki\u1ec7n c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m. Tuy nhi\u00ean, c\u00e1c \u0111i\u1ec1u kho\u1ea3n n\u00e0y kh\u00f4ng thay th\u1ebf cho c\u00e1c ngu\u1ed3n t\u00e0i li\u1ec7u m\u00f4 t\u1ea3 c\u00e1c y\u00eau c\u1ea7u c\u1ee5 th\u1ec3 li\u00ean quan \u0111\u1ebfn th\u1ee7 t\u1ee5c xin th\u1ecb th\u1ef1c ho\u1eb7c c\u01b0 tr\u00fa, v\u00e0 c\u0169ng kh\u00f4ng quy\u1ebft \u0111\u1ecbnh tr\u01b0\u1edbc k\u1ebft qu\u1ea3 c\u1ee7a c\u00e1c th\u1ee7 t\u1ee5c \u0111\u00f3.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-istnieje-jedna-polisa-odpowiednia-dla-wszystkich-cudzoziemcow\">C\u00f3 m\u1ed9t lo\u1ea1i h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m n\u00e0o ph\u00f9 h\u1ee3p v\u1edbi t\u1ea5t c\u1ea3 ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng n\u00ean \u0111\u01b0a ra gi\u1ea3 \u0111\u1ecbnh nh\u01b0 v\u1eady. M\u1ee5c \u0111\u00edch l\u01b0u tr\u00fa, th\u1eddi h\u1ea1n, th\u00f4ng tin c\u00e1 nh\u00e2n v\u00e0 c\u00e1c y\u00eau c\u1ea7u v\u1ec1 gi\u1ea5y t\u1edd c\u00f3 th\u1ec3 kh\u00e1c nhau. H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c l\u1ef1a ch\u1ecdn ph\u00f9 h\u1ee3p v\u1edbi t\u1eebng tr\u01b0\u1eddng h\u1ee3p c\u1ee5 th\u1ec3, ch\u1ee9 kh\u00f4ng ch\u1ec9 d\u1ef1a tr\u00ean c\u1ee5m t\u1eeb chung chung l\u00e0 \u201ed\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i\u201d.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"co-nalezy-sprawdzic-na-wystawionej-polisie\">C\u1ea7n ki\u1ec3m tra nh\u1eefng g\u00ec tr\u00ean h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u00e3 \u0111\u01b0\u1ee3c c\u1ea5p?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc h\u1ebft, c\u1ea7n ki\u1ec3m tra th\u00f4ng tin c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, th\u1eddi h\u1ea1n v\u00e0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m, c\u0169ng nh\u01b0 vi\u1ec7c t\u00e0i li\u1ec7u n\u00e0y c\u00f3 ph\u00f9 h\u1ee3p v\u1edbi g\u00f3i b\u1ea3o hi\u1ec3m \u0111\u00e3 ch\u1ecdn hay kh\u00f4ng. Ti\u1ebfp theo, c\u1ea7n l\u01b0u gi\u1eef \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m Chung (OWU) v\u00e0 t\u00ecm hi\u1ec3u c\u00e1c quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c th\u00f4ng b\u00e1o s\u1ef1 c\u1ed1.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"jakie-dokumenty-moga-byc-potrzebne-przy-zgloszeniu-zdarzenia\">C\u1ea7n chu\u1ea9n b\u1ecb nh\u1eefng gi\u1ea5y t\u1edd n\u00e0o khi khai b\u00e1o s\u1ef1 c\u1ed1?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1ed1i v\u1edbi s\u1ea3n ph\u1ea9m Compensa Cudzoziemiec, theo \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) n\u0103m 2026, c\u00e1c t\u00e0i li\u1ec7u c\u1ea7n thi\u1ebft c\u00f3 th\u1ec3 bao g\u1ed3m m\u1eabu \u0111\u01a1n y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng, c\u00e1c t\u00e0i li\u1ec7u c\u1ea7n thi\u1ebft \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng, h\u1ed3 s\u01a1 y t\u1ebf v\u00e0 c\u00e1c b\u1eb1ng ch\u1ee9ng kh\u00e1c. <strong>Danh s\u00e1ch \u0111\u1ea7y \u0111\u1ee7 \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh ri\u00eang cho t\u1eebng tr\u01b0\u1eddng h\u1ee3p, t\u00f9y thu\u1ed9c v\u00e0o s\u1ef1 ki\u1ec7n v\u00e0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a h\u1ee3p \u0111\u1ed3ng<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-warto-kierowac-sie-wylacznie-cena\">C\u00f3 n\u00ean ch\u1ec9 d\u1ef1a v\u00e0o gi\u00e1 c\u1ea3 \u0111\u1ec3 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Gi\u00e1 b\u1ea3o hi\u1ec3m m\u00e0 kh\u00f4ng k\u00e8m theo th\u00f4ng tin v\u1ec1 th\u1eddi h\u1ea1n, ph\u1ea1m vi, gi\u1edbi h\u1ea1n v\u00e0 c\u00e1c \u0111i\u1ec1u ki\u1ec7n h\u1ea1n ch\u1ebf s\u1ebd kh\u00f4ng cho ph\u00e9p b\u1ea1n \u0111\u00e1nh gi\u00e1 m\u1ee9c \u0111\u1ed9 ph\u00f9 h\u1ee3p c\u1ee7a g\u00f3i b\u1ea3o hi\u1ec3m. Tr\u01b0\u1edbc ti\u00ean, h\u00e3y ki\u1ec3m tra k\u1ef9 c\u00e1c t\u00e0i li\u1ec7u v\u00e0 \u0111i\u1ec1u kho\u1ea3n, sau \u0111\u00f3 m\u1edbi so s\u00e1nh m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m cho c\u00f9ng m\u1ed9t h\u1ed3 s\u01a1 kh\u00e1ch h\u00e0ng v\u00e0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m mong mu\u1ed1n.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"jaki-jest-najbezpieczniejszy-porzadek-dzialania\">Th\u1ee9 t\u1ef1 th\u1ef1c hi\u1ec7n n\u00e0o l\u00e0 an to\u00e0n nh\u1ea5t?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc ti\u00ean, h\u00e3y x\u00e1c nh\u1eadn c\u00e1c y\u00eau c\u1ea7u ph\u00f9 h\u1ee3p v\u1edbi tr\u01b0\u1eddng h\u1ee3p c\u1ee5 th\u1ec3 c\u1ee7a b\u1ea1n, sau \u0111\u00f3 \u0111\u1ecdc k\u1ef9 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU), ki\u1ec3m tra th\u00f4ng tin c\u00e1 nh\u00e2n c\u0169ng nh\u01b0 th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m, v\u00e0 sau khi mua b\u1ea3o hi\u1ec3m, h\u00e3y l\u01b0u gi\u1eef \u0111\u1ea7y \u0111\u1ee7 b\u1ed9 h\u1ed3 s\u01a1. Vi\u1ec7c tu\u00e2n th\u1ee7 tr\u00ecnh t\u1ef1 n\u00e0y s\u1ebd gi\u00fap gi\u1ea3m thi\u1ec3u r\u1ee7i ro ph\u00e1t hi\u1ec7n thi\u1ebfu s\u00f3t ch\u1ec9 khi n\u1ed9p h\u1ed3 s\u01a1 ho\u1eb7c sau khi s\u1ef1 c\u1ed1 x\u1ea3y ra.<\/p>\n\n<\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>B\u1ea3o hi\u1ec3m y t\u1ebf d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u khi chu\u1ea9n b\u1ecb c\u00e1c gi\u1ea5y t\u1edd li\u00ean quan \u0111\u1ebfn vi\u1ec7c nh\u1eadp c\u1ea3nh ho\u1eb7c l\u01b0u tr\u00fa t\u1ea1i Ba Lan. B\u1ea3n th\u00e2n thu\u1eadt ng\u1eef \u201eb\u1ea3o hi\u1ec3m\u201d kh\u00f4ng\u2026<\/p>","protected":false},"author":1,"featured_media":3697,"comment_status":"closed","ping_status":"closed","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":[66,67,64,68,65],"class_list":["post-3698","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-podstawy-prawne-i-wymagania-wizowe","tag-owu-ubezpieczenia","tag-pobyt-cudzoziemca","tag-polisa-zdrowotna-dla-cudzoziemca","tag-ubezpieczenie-zdrowotne-w-polsce","tag-wymagania-prawne"],"acf":[],"yoast_head":"<!-- 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