{"id":3701,"date":"2026-11-02T14:56:12","date_gmt":"2026-11-02T13:56:12","guid":{"rendered":"https:\/\/ubezpieczeniecudzoziemca.pl\/?p=3701"},"modified":"2026-11-02T14:56:12","modified_gmt":"2026-11-02T13:56:12","slug":"chinh-sach-thi-thuc-nhung-dieu-can-kiem-tra-truoc-khi-mua","status":"publish","type":"post","link":"https:\/\/ubezpieczeniecudzoziemca.pl\/vi\/poradnik\/porownania-ofert-i-praktyczne-wskazowki\/polisa-wizowa-co-sprawdzic-przed-zakupem\/","title":{"rendered":"Ch\u00ednh s\u00e1ch th\u1ecb th\u1ef1c kh\u00f4ng c\u00f3 sai s\u00f3t: nh\u1eefng \u0111i\u1ec1u c\u1ea7n ki\u1ec3m tra tr\u01b0\u1edbc khi mua"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Vi\u1ec7c l\u1ef1a ch\u1ecdn b\u1ea3o hi\u1ec3m cho th\u1ecb th\u1ef1c kh\u00f4ng n\u00ean ch\u1ec9 gi\u1edbi h\u1ea1n \u1edf vi\u1ec7c ki\u1ec3m tra t\u00ean g\u00f3i b\u1ea3o hi\u1ec3m v\u00e0 m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m. H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ph\u1ea3i ph\u00f9 h\u1ee3p v\u1edbi m\u1ee5c \u0111\u00edch chuy\u1ebfn \u0111i, th\u1eddi gian l\u01b0u tr\u00fa v\u00e0 c\u00e1c y\u00eau c\u1ea7u \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong th\u1ee7 t\u1ee5c xin th\u1ecb th\u1ef1c hi\u1ec7n h\u00e0nh. C\u00e1c \u0111i\u1ec1u kho\u1ea3n trong \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m Chung (OWU) c\u0169ng c\u00f3 \u00fd ngh\u0129a then ch\u1ed1t, ch\u1eb3ng h\u1ea1n nh\u01b0 gi\u1edbi h\u1ea1n tr\u00e1ch nhi\u1ec7m, gi\u1edbi h\u1ea1n ph\u1ee5, c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb v\u00e0 quy t\u1eafc x\u1eed l\u00fd khi x\u1ea3y ra s\u1ef1 c\u1ed1 kh\u1ea9n c\u1ea5p. Nh\u1eefng kh\u00eda c\u1ea1nh n\u00e0y quy\u1ebft \u0111\u1ecbnh gi\u00e1 tr\u1ecb th\u1ef1c s\u1ef1 c\u1ee7a s\u1ef1 b\u1ea3o v\u1ec7, nh\u01b0ng th\u01b0\u1eddng b\u1ecb b\u1ecf qua trong qu\u00e1 tr\u00ecnh mua b\u1ea3o hi\u1ec3m v\u1ed9i v\u00e0ng.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B\u1ea3y l\u1eddi khuy\u00ean d\u01b0\u1edbi \u0111\u00e2y s\u1ebd gi\u00fap b\u1ea1n \u0111\u01b0a ra l\u1ef1a ch\u1ecdn m\u1ed9t c\u00e1ch c\u00f3 h\u1ec7 th\u1ed1ng m\u00e0 kh\u00f4ng c\u1ea7n ph\u1ea3i \u0111o\u00e1n xem \u01b0u \u0111\u00e3i n\u00e0o l\u00e0 \u201et\u1ed1t nh\u1ea5t\u201d. Thay v\u00ec d\u1ef1a v\u00e0o nh\u1eefng th\u00f4ng \u0111i\u1ec7p qu\u1ea3ng c\u00e1o ng\u1eafn g\u1ecdn, b\u1ea1n n\u00ean so s\u00e1nh c\u00e1c t\u00e0i li\u1ec7u li\u00ean quan \u0111\u1ebfn t\u1eebng c\u00e1 nh\u00e2n c\u1ee5 th\u1ec3 v\u00e0 th\u1eddi gian l\u01b0u tr\u00fa c\u1ee7a h\u1ecd. <strong>\u0110i\u1ec1u quan tr\u1ecdng nh\u1ea5t l\u00e0 n\u1ed9i dung h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ph\u1ea3i ph\u00f9 h\u1ee3p v\u1edbi t\u00ecnh h\u00ecnh th\u1ef1c t\u1ebf c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m<\/strong> c\u00f9ng v\u1edbi kh\u1ea3 n\u0103ng nhanh ch\u00f3ng \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 trong tr\u01b0\u1eddng h\u1ee3p kh\u1ea9n c\u1ea5p.<\/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=\"#wymagania-i-okres\">Tr\u01b0\u1edbc ti\u00ean, h\u00e3y x\u00e1c \u0111\u1ecbnh c\u00e1c y\u00eau c\u1ea7u v\u00e0 th\u1eddi h\u1ea1n b\u1ea3o h\u1ed9<\/a><\/li>\n\n\n<li><a href=\"#sumy-i-podlimity\">So s\u00e1nh c\u00e1c m\u1ee9c t\u1ed5ng, m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5 v\u00e0 c\u00e1c quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c s\u1eed d\u1ee5ng ch\u00fang<\/a><\/li>\n\n\n<li><a href=\"#zakres-i-obowiazki\">H\u00e3y \u0111\u1ecdc k\u1ef9 ph\u1ea1m vi \u00e1p d\u1ee5ng, c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb v\u00e0 ngh\u0129a v\u1ee5<\/a><\/li>\n\n\n<li><a href=\"#zgloszenie-zdarzenia\">Xem quy tr\u00ecnh b\u00e1o c\u00e1o s\u1ef1 c\u1ed1<\/a><\/li>\n\n\n<li><a href=\"#decyzja-i-zakup\">H\u00e3y \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh d\u1ef1a tr\u00ean b\u1ed9 h\u1ed3 s\u01a1 \u0111\u1ea7y \u0111\u1ee7<\/a><\/li>\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=\"wymagania-i-okres\">Tr\u01b0\u1edbc ti\u00ean, h\u00e3y x\u00e1c \u0111\u1ecbnh c\u00e1c y\u00eau c\u1ea7u v\u00e0 th\u1eddi h\u1ea1n b\u1ea3o h\u1ed9<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"sprawdz-aktualne-wymagania\">1. Ki\u1ec3m tra c\u00e1c y\u00eau c\u1ea7u hi\u1ec7n h\u00e0nh \u0111\u1ed1i v\u1edbi tr\u01b0\u1eddng h\u1ee3p c\u1ee7a b\u1ea1n<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y b\u1eaft \u0111\u1ea7u b\u1eb1ng vi\u1ec7c t\u00ecm hi\u1ec3u th\u00f4ng tin v\u1ec1 lo\u1ea1i th\u1ecb th\u1ef1c c\u1ee5 th\u1ec3 v\u00e0 \u0111\u1ecba \u0111i\u1ec3m n\u1ed9p h\u1ed3 s\u01a1. \u0110\u1eebng cho r\u1eb1ng c\u00e1c \u0111i\u1ec1u ki\u1ec7n m\u00e0 b\u1ea1n c\u00f2n nh\u1edb t\u1eeb l\u1ea7n n\u1ed9p \u0111\u01a1n tr\u01b0\u1edbc v\u1eabn c\u00f2n hi\u1ec7u l\u1ef1c ho\u1eb7c r\u1eb1ng ch\u00fang gi\u1ed1ng h\u1ec7t nhau \u0111\u1ed1i v\u1edbi m\u1ecdi th\u1ee7 t\u1ee5c.<\/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\"><strong>C\u1ea7n ki\u1ec3m tra c\u00e1c y\u00eau c\u1ea7u \u0111\u1ed1i v\u1edbi v\u1ee5 vi\u1ec7c hi\u1ec7n t\u1ea1i<\/strong>, tr\u01b0\u1edbc khi b\u1ea1n ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y chu\u1ea9n b\u1ecb th\u00f4ng tin c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, c\u00e1c ng\u00e0y d\u1ef1 ki\u1ebfn l\u01b0u tr\u00fa v\u00e0 c\u00e1c th\u00f4ng tin c\u1ea7n thi\u1ebft cho th\u1ee7 t\u1ee5c xin th\u1ecb th\u1ef1c. Sau \u0111\u00f3, h\u00e3y \u0111\u1ed1i chi\u1ebfu c\u00e1c th\u00f4ng tin n\u00e0y v\u1edbi th\u00f4ng tin s\u1ebd \u0111\u01b0\u1ee3c ghi tr\u00ean h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m. T\u00ean, h\u1ecd, th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c th\u00f4ng tin nh\u1eadn d\u1ea1ng kh\u00e1c c\u1ea7n \u0111\u01b0\u1ee3c ki\u1ec3m tra k\u1ef9 l\u01b0\u1ee1ng tr\u01b0\u1edbc khi x\u00e1c nh\u1eadn mua b\u1ea3o hi\u1ec3m. M\u1ed9t l\u1ed7i ch\u00ednh t\u1ea3 ch\u1ec9 \u0111\u01b0\u1ee3c ph\u00e1t hi\u1ec7n khi n\u1ed9p h\u1ed3 s\u01a1 c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn vi\u1ec7c ph\u1ea3i cung c\u1ea5p th\u00eam gi\u1ea3i tr\u00ecnh.<\/p>\n\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu b\u1ea1n mu\u1ed1n n\u1eafm v\u1eefng nh\u1eefng ki\u1ebfn th\u1ee9c c\u01a1 b\u1ea3n tr\u01b0\u1edbc, h\u00e3y \u0111\u1ecdc <a href=\"https:\/\/ubezpieczeniecudzoziemca.pl\/vi\/cam-nang\/so-sanh-cac-uu-dai-va-nhung-loi-khuyen-huu-ich\/huong-dan-lua-chon-bao-hiem-y-te-cho-thi-thuc\/\">H\u01b0\u1edbng d\u1eabn ch\u1ecdn b\u1ea3o hi\u1ec3m \u0111\u1ec3 xin th\u1ecb th\u1ef1c<\/a>. <strong>\u0110\u1eebng mua h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ch\u1ec9 d\u1ef1a v\u00e0o t\u00ean s\u1ea3n ph\u1ea9m<\/strong> \u2014 Ki\u1ec3m tra gi\u1ea5y t\u1edd \u0111\u01b0\u1ee3c c\u1ea5p cho m\u1ed9t c\u00e1 nh\u00e2n c\u1ee5 th\u1ec3.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"dopasuj-okres-ochrony\">2. \u0110i\u1ec1u ch\u1ec9nh th\u1eddi gian b\u1eaft \u0111\u1ea7u v\u00e0 k\u1ebft th\u00fac b\u1ea3o hi\u1ec3m cho ph\u00f9 h\u1ee3p v\u1edbi th\u1eddi gian l\u01b0u tr\u00fa<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00e1c m\u1ed1c th\u1eddi gian tr\u00ean h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ph\u1ea3i ph\u00f9 h\u1ee3p v\u1edbi th\u1eddi gian l\u01b0u tr\u00fa d\u1ef1 ki\u1ebfn v\u00e0 c\u00e1c y\u00eau c\u1ea7u c\u1ee5 th\u1ec3 c\u1ee7a \u0111\u01a1n \u0111\u0103ng k\u00fd \u0111\u00f3. Th\u1eddi h\u1ea1n qu\u00e1 ng\u1eafn c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn kho\u1ea3ng tr\u1ed1ng trong b\u1ea3o hi\u1ec3m, trong khi ng\u00e0y b\u1eaft \u0111\u1ea7u b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c ch\u1ecdn ng\u1eabu nhi\u00ean c\u00f3 th\u1ec3 kh\u00f4ng tr\u00f9ng kh\u1edbp v\u1edbi th\u1eddi gian chuy\u1ebfn \u0111i. <strong>So s\u00e1nh c\u00e1c ng\u00e0y theo t\u1eebng ng\u00e0y<\/strong>, k\u1ec3 c\u1ea3 khi th\u1eddi gian l\u01b0u tr\u00fa k\u00e9o d\u00e0i qua ranh gi\u1edbi gi\u1eefa c\u00e1c th\u00e1ng ho\u1eb7c c\u00e1c n\u0103m.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B\u1ea1n c\u0169ng n\u00ean ki\u1ec3m tra xem c\u00f4ng ty b\u1ea3o hi\u1ec3m b\u1eaft \u0111\u1ea7u ch\u1ecbu tr\u00e1ch nhi\u1ec7m t\u1eeb th\u1eddi \u0111i\u1ec3m n\u00e0o theo c\u00e1c t\u00e0i li\u1ec7u h\u1ee3p \u0111\u1ed3ng hi\u1ec7n h\u00e0nh. Ng\u00e0y ghi tr\u00ean h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m l\u00e0 quan tr\u1ecdng, nh\u01b0ng c\u1ea7n ph\u1ea3i hi\u1ec3u n\u00f3 trong b\u1ed1i c\u1ea3nh c\u00e1c \u0111i\u1ec1u ki\u1ec7n b\u1eaft \u0111\u1ea7u v\u00e0 k\u1ebft th\u00fac th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m. N\u1ebfu k\u1ebf ho\u1ea1ch \u0111i du l\u1ecbch c\u1ee7a b\u1ea1n ch\u01b0a \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh cu\u1ed1i c\u00f9ng, tr\u01b0\u1edbc khi mua b\u1ea3o hi\u1ec3m, h\u00e3y th\u1ed1ng nh\u1ea5t c\u00e1c quy \u0111\u1ecbnh li\u00ean quan \u0111\u1ebfn vi\u1ec7c thay \u0111\u1ed5i th\u00f4ng tin ho\u1eb7c th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m (n\u1ebfu c\u00f3).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"sumy-i-podlimity\">So s\u00e1nh c\u00e1c m\u1ee9c t\u1ed5ng, m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5 v\u00e0 c\u00e1c quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c s\u1eed d\u1ee5ng ch\u00fang<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"oceniaj-sume-z-podlimitami\">3. T\u00ednh t\u1ed5ng c\u00f9ng v\u1edbi c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m ho\u1eb7c s\u1ed1 ti\u1ec1n b\u1ea3o l\u00e3nh quy \u0111\u1ecbnh m\u1ee9c tr\u00e1ch nhi\u1ec7m t\u00e0i ch\u00ednh t\u1ed1i \u0111a \u0111\u01b0\u1ee3c th\u1ecfa thu\u1eadn trong h\u1ee3p \u0111\u1ed3ng. Tuy nhi\u00ean, ch\u1ec9 nh\u00ecn v\u00e0o con s\u1ed1 \u0111\u01b0\u1ee3c ghi tr\u00ean trang \u0111\u1ea7u ti\u00ean c\u1ee7a t\u00e0i li\u1ec7u c\u00f3 th\u1ec3 l\u00e0 ch\u01b0a \u0111\u1ee7. <strong>C\u00e1c gi\u1edbi h\u1ea1n ph\u1ee5 c\u00f3 th\u1ec3 h\u1ea1n ch\u1ebf ph\u1ea1m vi b\u1ea3o v\u1ec7 trong t\u1eebng l\u0129nh v\u1ef1c c\u1ee5 th\u1ec3<\/strong>, do \u0111\u00f3, vi\u1ec7c ph\u00e2n t\u00edch k\u1ef9 l\u01b0\u1ee1ng h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, b\u1ea3ng c\u00e1c ph\u01b0\u01a1ng \u00e1n v\u00e0 \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) nh\u01b0 m\u1ed9t t\u1ed5ng th\u1ec3 th\u1ed1ng nh\u1ea5t l\u00e0 \u0111i\u1ec1u v\u00f4 c\u00f9ng quan tr\u1ecdng.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u1ed9t v\u00ed d\u1ee5 \u0111i\u1ec3n h\u00ecnh l\u00e0 t\u00e0i li\u1ec7u c\u1ee7a UNIQA mang t\u00ean \u201e\u0110i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chung v\u1ec1 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i\u201d n\u0103m 2020. Theo \u00a7 41, s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m, s\u1ed1 ti\u1ec1n b\u1ea3o \u0111\u1ea3m v\u00e0 c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5 c\u1ee7a ch\u00fang l\u00e0 gi\u1edbi h\u1ea1n t\u1ed1i \u0111a v\u1ec1 tr\u00e1ch nhi\u1ec7m \u0111\u1ed1i v\u1edbi m\u1ed9t ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m. \u0110o\u1ea1n n\u00e0y c\u0169ng n\u00eau r\u00f5 r\u1eb1ng c\u00e1c gi\u00e1 tr\u1ecb c\u1ee5 th\u1ec3 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 b\u1ea3ng c\u00e1c ph\u01b0\u01a1ng \u00e1n trong \u0110i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chung. <strong>Do \u0111\u00f3, gi\u00e1 tr\u1ecb trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ea7n \u0111\u01b0\u1ee3c \u0111\u1ed1i chi\u1ebfu v\u1edbi b\u1ea3ng c\u1ee7a ph\u01b0\u01a1ng \u00e1n<\/strong>, ch\u1ee9 kh\u00f4ng ph\u1ea3i di\u1ec5n gi\u1ea3i m\u1ed9t c\u00e1ch t\u00e1ch r\u1eddi kh\u1ecfi n\u00f3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u00e2y l\u00e0 v\u00ed d\u1ee5 v\u1ec1 m\u1ed9t quy \u0111\u1ecbnh \u0111\u01b0\u1ee3c n\u00eau trong m\u1ed9t v\u0103n b\u1ea3n c\u1ee5 th\u1ec3, ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 quy t\u1eafc t\u1ef1 \u0111\u1ed9ng \u00e1p d\u1ee5ng chung cho t\u1ea5t c\u1ea3 c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m. Tr\u01b0\u1edbc khi mua, h\u00e3y ki\u1ec3m tra phi\u00ean b\u1ea3n m\u1edbi nh\u1ea5t c\u1ee7a \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) c\u0169ng nh\u01b0 phi\u00ean b\u1ea3n \u00e1p d\u1ee5ng cho h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea1n. \u0110\u1eebng sao ch\u00e9p c\u00e1c gi\u00e1 tr\u1ecb t\u1eeb v\u0103n b\u1ea3n c\u1ee7a ng\u01b0\u1eddi kh\u00e1c ho\u1eb7c t\u1eeb m\u1ed9t v\u00ed d\u1ee5 c\u0169 h\u01a1n.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"sprawdz-pomniejszanie-limitu\">4. Ki\u1ec3m tra xem c\u00e1c kho\u1ea3n r\u00fat ti\u1ec1n c\u00f3 l\u00e0m gi\u1ea3m h\u1ea1n m\u1ee9c kh\u1ea3 d\u1ee5ng hay kh\u00f4ng<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Trong c\u00f9ng b\u1ed9 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) c\u1ee7a UNIQA n\u0103m 2020, c\u00f3 quy \u0111\u1ecbnh r\u1eb1ng s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m, s\u1ed1 ti\u1ec1n b\u1ea3o \u0111\u1ea3m v\u00e0 c\u00e1c h\u1ea1n m\u1ee9c ph\u1ee5 c\u1ee7a ch\u00fang s\u1ebd gi\u1ea3m \u0111i t\u01b0\u01a1ng \u1ee9ng v\u1edbi m\u1ed7i kho\u1ea3n ti\u1ec1n tr\u1ee3 c\u1ea5p ho\u1eb7c b\u1ed3i th\u01b0\u1eddng \u0111\u00e3 \u0111\u01b0\u1ee3c chi tr\u1ea3 theo h\u1ee3p \u0111\u1ed3ng \u0111\u00f3. \u0110i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0 khi \u0111\u00e1nh gi\u00e1 c\u00e1c ph\u01b0\u01a1ng \u00e1n, kh\u00f4ng ch\u1ec9 gi\u1edbi h\u1ea1n ban \u0111\u1ea7u m\u1edbi \u0111\u01b0\u1ee3c t\u00ednh \u0111\u1ebfn, m\u00e0 c\u00f2n c\u1ea3 c\u00e1ch th\u1ee9c s\u1eed d\u1ee5ng gi\u1edbi h\u1ea1n \u0111\u00f3 trong th\u1eddi gian b\u1ea3o hi\u1ec3m. <strong>H\u00e3y h\u1ecfi xem sau khi r\u00fat ti\u1ec1n c\u00f2n l\u1ea1i bao nhi\u00eau<\/strong>, n\u1ebfu v\u0103n b\u1ea3n h\u1ee3p \u0111\u1ed3ng quy \u0111\u1ecbnh vi\u1ec7c gi\u1ea3m s\u1ed1 ti\u1ec1n \u0111\u00f3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1eebng \u00e1p d\u1ee5ng quy t\u1eafc n\u00e0y cho h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00e1c m\u00e0 kh\u00f4ng ki\u1ec3m tra \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung (OWU) c\u1ee7a h\u1ecd. Vi\u1ec7c so s\u00e1nh ch\u1ec9 c\u00f3 \u00fd ngh\u0129a khi b\u1ea1n \u0111\u1ed1i chi\u1ebfu c\u00e1c th\u00f4ng s\u1ed1 c\u00f3 c\u00f9ng \u00fd ngh\u0129a. T\u00e0i li\u1ec7u gi\u1ea3i th\u00edch v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y c\u00f3 th\u1ec3 h\u1eefu \u00edch <a href=\"https:\/\/ubezpieczeniecudzoziemca.pl\/vi\/cam-nang\/so-sanh-cac-uu-dai-va-nhung-loi-khuyen-huu-ich\/so-sanh-cac-loai-bao-hiem-cho-thi-thuc-lao-dong\/\">So s\u00e1nh c\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m \u0111\u1ec3 xin th\u1ecb th\u1ef1c lao \u0111\u1ed9ng<\/a>, nh\u01b0ng c\u01a1 s\u1edf cu\u1ed1i c\u00f9ng \u0111\u1ec3 ra quy\u1ebft \u0111\u1ecbnh v\u1eabn l\u00e0 c\u00e1c t\u00e0i li\u1ec7u hi\u1ec7n h\u00e0nh c\u1ee7a h\u1ee3p \u0111\u1ed3ng \u0111\u00e3 ch\u1ecdn.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"zakres-i-obowiazki\">H\u00e3y \u0111\u1ecdc k\u1ef9 ph\u1ea1m vi \u00e1p d\u1ee5ng, c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb v\u00e0 ngh\u0129a v\u1ee5<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"nie-utozsamiaj-nazwy-z-zakresem\">5. \u0110\u1eebng nh\u1ea7m l\u1eabn t\u00ean bi\u1ebfn th\u1ec3 v\u1edbi ph\u1ea1m vi \u0111\u1ea7y \u0111\u1ee7<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00e1c bi\u1ebfn th\u1ec3 c\u00f3 c\u00e1ch di\u1ec5n \u0111\u1ea1t t\u01b0\u01a1ng t\u1ef1 c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c m\u00f4 t\u1ea3 theo c\u00e1ch kh\u00e1c. Thay v\u00ec ph\u1ecfng \u0111o\u00e1n n\u1ed9i dung c\u1ee7a thu\u1eadt ng\u1eef \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng tr\u00ean trang b\u00e1n h\u00e0ng, h\u00e3y tra c\u1ee9u trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) c\u00e1c quy \u0111\u1ecbnh v\u1ec1 \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, m\u1ee9c gi\u1edbi h\u1ea1n, c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb v\u00e0 ngh\u0129a v\u1ee5 c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m.<\/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\"><strong>Ph\u1ea1m vi \u00e1p d\u1ee5ng \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh b\u1edfi n\u1ed9i dung h\u1ee3p \u0111\u1ed3ng, ch\u1ee9 kh\u00f4ng ph\u1ea3i t\u00ean g\u00f3i d\u1ecbch v\u1ee5<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1ed1i v\u1edbi b\u1ea3o hi\u1ec3m mua \u0111\u1ec3 xin th\u1ecb th\u1ef1c, \u0111i\u1ec1u quan tr\u1ecdng nh\u1ea5t l\u00e0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m ph\u1ea3i bao g\u1ed3m c\u00e1c s\u1ef1 c\u1ed1 b\u1ea5t ng\u1edd x\u1ea3y ra trong th\u1eddi gian l\u01b0u tr\u00fa, theo n\u1ed9i dung c\u1ee5 th\u1ec3 c\u1ee7a h\u1ee3p \u0111\u1ed3ng. \u0110\u1eebng cho r\u1eb1ng h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 hi\u1ec7u l\u1ef1c trong m\u1ecdi t\u00ecnh hu\u1ed1ng hay r\u1eb1ng m\u1ecdi g\u00f3i b\u1ea3o hi\u1ec3m \u0111\u1ec1u bao g\u1ed3m c\u00e1c quy\u1ec1n l\u1ee3i gi\u1ed1ng nhau. <strong>H\u00e3y ki\u1ec3m tra t\u1ea5t c\u1ea3 c\u00e1c \u0111i\u1ec1u kho\u1ea3n quan tr\u1ecdng trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n hi\u1ec7n h\u00e0nh ho\u1eb7c l\u00e0m r\u00f5 tr\u01b0\u1edbc khi mua h\u00e0ng.<\/strong><\/p>\n\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y \u0111\u1ecdc ri\u00eang ph\u1ea7n mi\u1ec5n tr\u1eeb tr\u00e1ch nhi\u1ec7m v\u00e0 c\u00e1c ngh\u0129a v\u1ee5 sau khi s\u1ef1 c\u1ed1 x\u1ea3y ra. H\u00e3y l\u01b0u \u00fd xem t\u00e0i li\u1ec7u c\u00f3 y\u00eau c\u1ea7u ph\u01b0\u01a1ng th\u1ee9c li\u00ean h\u1ec7, c\u00e1ch th\u1ee9c cung c\u1ea5p th\u00f4ng tin ho\u1eb7c c\u00e1ch th\u1ee9c x\u1eed l\u00fd c\u1ee5 th\u1ec3 theo c\u00e1c h\u01b0\u1edbng d\u1eabn \u0111\u00e3 nh\u1eadn hay kh\u00f4ng. \u0110\u1eebng tr\u00ec ho\u00e3n vi\u1ec7c t\u00ecm hi\u1ec3u c\u00e1c quy \u0111\u1ecbnh n\u00e0y cho \u0111\u1ebfn khi b\u1ea1n th\u1ef1c s\u1ef1 c\u1ea7n s\u1ef1 tr\u1ee3 gi\u00fap.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"zgloszenie-zdarzenia\">Xem quy tr\u00ecnh b\u00e1o c\u00e1o s\u1ef1 c\u1ed1<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"zachowaj-polise-i-dokumenty\">6. Gi\u1eef l\u1ea1i h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 chu\u1ea9n b\u1ecb c\u00e1c gi\u1ea5y t\u1edd<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Sau khi mua b\u1ea3o hi\u1ec3m, h\u00e3y l\u01b0u gi\u1eef h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 b\u1ea3n \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) m\u1edbi nh\u1ea5t \u1edf n\u01a1i thu\u1eadn ti\u1ec7n \u0111\u1ec3 l\u1ea5y ra xem ngay c\u1ea3 khi \u0111ang \u0111i du l\u1ecbch. <strong>S\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m n\u00ean d\u1ec5 t\u00ecm th\u1ea5y<\/strong>. Ngo\u00e0i ra, b\u1ea1n c\u0169ng n\u00ean bi\u1ebft r\u00f5 trong c\u00e1c t\u00e0i li\u1ec7u n\u00e0o c\u00f3 m\u00f4 t\u1ea3 th\u1ee7 t\u1ee5c b\u00e1o c\u00e1o s\u1ef1 c\u1ed1 v\u00e0 nh\u1eefng t\u00e0i li\u1ec7u n\u00e0o c\u00f3 th\u1ec3 c\u1ea7n thi\u1ebft.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Theo \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m Chung (OWU) c\u1ee7a UNIQA n\u0103m 2020, \u0111\u01a1n y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng li\u00ean quan \u0111\u1ebfn, trong s\u1ed1 nh\u1eefng kho\u1ea3n kh\u00e1c, chi ph\u00ed \u0111i\u1ec1u tr\u1ecb ph\u1ea3i bao g\u1ed3m s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 m\u00f4 t\u1ea3 chi ti\u1ebft v\u1ec1 ho\u00e0n c\u1ea3nh c\u1ee7a s\u1ef1 c\u1ed1. T\u00e0i li\u1ec7u n\u00e0y c\u0169ng y\u00eau c\u1ea7u ph\u1ea3i c\u00f3 gi\u1ea5y ch\u1ee9ng nh\u1eadn y t\u1ebf k\u00e8m theo ch\u1ea9n \u0111o\u00e1n v\u00e0 ph\u00e1c \u0111\u1ed3 \u0111i\u1ec1u tr\u1ecb \u0111\u01b0\u1ee3c khuy\u1ebfn ngh\u1ecb, c\u0169ng nh\u01b0 c\u00e1c h\u00f3a \u0111\u01a1n, bi\u00ean lai, gi\u1ea5y ch\u1ee9ng nh\u1eadn nh\u1eadp vi\u1ec7n v\u00e0 ch\u1ee9ng t\u1eeb thanh to\u00e1n, gi\u00fap x\u00e1c \u0111\u1ecbnh c\u00e1c chi ph\u00ed \u0111\u00e3 ph\u00e1t sinh. <strong>H\u00e3y thu th\u1eadp t\u00e0i li\u1ec7u ngay t\u1eeb khi s\u1ef1 vi\u1ec7c x\u1ea3y ra<\/strong>, thay v\u00ec c\u1ed1 g\u1eafng kh\u00f4i ph\u1ee5c l\u1ea1i n\u00f3 sau khi tr\u1edf v\u1ec1.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) c\u1ee7a Compensa n\u0103m 2026 quy \u0111\u1ecbnh ngh\u0129a v\u1ee5 cung c\u1ea5p b\u1eb1ng ch\u1ee9ng, bao g\u1ed3m h\u1ed3 s\u01a1 y t\u1ebf v\u00e0 c\u00e1c t\u00e0i li\u1ec7u kh\u00e1c c\u1ea7n thi\u1ebft \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh c\u00e1c t\u00ecnh ti\u1ebft c\u0169ng nh\u01b0 m\u1ee9c \u0111\u1ed9 thi\u1ec7t h\u1ea1i, \u0111\u1ed3ng th\u1eddi ph\u1ea3i tu\u00e2n th\u1ee7 c\u00e1c h\u01b0\u1edbng d\u1eabn do Compensa \u0111\u01b0a ra. Hai v\u00ed d\u1ee5 n\u00e0y cho th\u1ea5y l\u00fd do t\u1ea1i sao lu\u00f4n c\u1ea7n ki\u1ec3m tra th\u1ee7 t\u1ee5c \u00e1p d\u1ee5ng cho h\u1ee3p \u0111\u1ed3ng \u0111\u00e3 ch\u1ecdn. <strong>Danh s\u00e1ch c\u00e1c gi\u1ea5y t\u1edd c\u1ea7n thi\u1ebft c\u00f3 th\u1ec3 ph\u1ee5 thu\u1ed9c v\u00e0o lo\u1ea1i s\u1ef1 c\u1ed1 v\u00e0 c\u00e1c quy \u0111\u1ecbnh trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU)<\/strong>, do \u0111\u00f3, danh s\u00e1ch ki\u1ec3m tra ng\u1eafn n\u00e0y kh\u00f4ng n\u00ean \u0111\u01b0\u1ee3c coi l\u00e0 h\u01b0\u1edbng d\u1eabn \u0111\u1ea7y \u0111\u1ee7.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u1ed9t b\u1ed9 \u0111\u1ed3 d\u00f9ng thi\u1ebft th\u1ef1c cho chuy\u1ebfn \u0111i c\u00f3 th\u1ec3 bao g\u1ed3m:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-itemseec7b1-documents:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemseec7b1-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-itemseec7b1-documents ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemseec7b1-documents .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemseec7b1-documents ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-itemseec7b1-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-itemseec7b1-documents ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemseec7b1-documents .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemseec7b1-documents ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemseec7b1-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-itemseec7b1-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-eec7b1-doc-1 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-eec7b1-doc-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-eec7b1-doc-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\"><strong>ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m v\u00e0 s\u1ed1 h\u1ee3p \u0111\u1ed3ng<\/strong> d\u01b0\u1edbi d\u1ea1ng \u0111i\u1ec7n t\u1eed;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-eec7b1-doc-2 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-eec7b1-doc-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-eec7b1-doc-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 th\u00f4ng tin gi\u00fap m\u00f4 t\u1ea3 th\u1eddi gian, \u0111\u1ecba \u0111i\u1ec3m v\u00e0 di\u1ec5n bi\u1ebfn c\u1ee7a s\u1ef1 vi\u1ec7c;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-eec7b1-doc-3 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-eec7b1-doc-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-eec7b1-doc-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\">h\u1ed3 s\u01a1 y t\u1ebf \u0111\u00e3 nh\u1eadn \u0111\u01b0\u1ee3c;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-eec7b1-doc-4 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-eec7b1-doc-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-eec7b1-doc-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\"><strong>h\u00f3a \u0111\u01a1n, bi\u00ean lai v\u00e0 ch\u1ee9ng t\u1eeb thanh to\u00e1n<\/strong>;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-eec7b1-doc-5 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-eec7b1-doc-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-eec7b1-doc-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\">b\u1ea3n ghi ch\u00e9p c\u00e1c th\u01b0 t\u1eeb v\u00e0 khuy\u1ebfn ngh\u1ecb nh\u1eadn \u0111\u01b0\u1ee3c li\u00ean quan \u0111\u1ebfn \u0111\u01a1n khi\u1ebfu n\u1ea1i.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"decyzja-i-zakup\">H\u00e3y \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh d\u1ef1a tr\u00ean b\u1ed9 h\u1ed3 s\u01a1 \u0111\u1ea7y \u0111\u1ee7<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"porownaj-ochrone-obsluge-i-cene\">7. H\u00e3y so s\u00e1nh m\u1ee9c \u0111\u1ed9 b\u1ea3o hi\u1ec3m, d\u1ecbch v\u1ee5 x\u1eed l\u00fd s\u1ef1 c\u1ed1 v\u00e0 gi\u00e1 c\u1ea3 theo th\u1ee9 t\u1ef1 n\u00e0y<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Gi\u00e1 c\u1ea3 l\u00e0 y\u1ebfu t\u1ed1 quan tr\u1ecdng, nh\u01b0ng b\u1ea3n th\u00e2n n\u00f3 kh\u00f4ng th\u1ec3 cho bi\u1ebft li\u1ec7u h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 ph\u00f9 h\u1ee3p v\u1edbi k\u1ebf ho\u1ea1ch l\u01b0u tr\u00fa c\u1ee7a b\u1ea1n hay kh\u00f4ng. Tr\u01b0\u1edbc ti\u00ean, h\u00e3y ki\u1ec3m tra t\u00ednh ch\u00ednh x\u00e1c c\u1ee7a th\u00f4ng tin v\u00e0 th\u1eddi h\u1ea1n h\u1ee3p \u0111\u1ed3ng, sau \u0111\u00f3 l\u00e0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m, m\u1ee9c b\u1ed3i th\u01b0\u1eddng, c\u00e1c gi\u1edbi h\u1ea1n ph\u1ee5, c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb v\u00e0 quy tr\u00ecnh x\u1eed l\u00fd sau khi x\u1ea3y ra s\u1ef1 c\u1ed1. Ch\u1ec9 khi c\u00e1c \u0111\u1ec1 xu\u1ea5t \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 d\u1ef1a tr\u00ean c\u00f9ng c\u00e1c ti\u00eau ch\u00ed th\u00ec m\u1edbi c\u00f3 th\u1ec3 so s\u00e1nh m\u1ed9t c\u00e1ch h\u1ee3p l\u00fd. <strong>So s\u00e1nh c\u00f9ng m\u1ed9t h\u1ed3 s\u01a1 v\u00e0 c\u00f9ng m\u1ed9t kho\u1ea3ng th\u1eddi gian \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m<\/strong> \u2014 n\u1ebfu kh\u00f4ng th\u00ec s\u1ef1 ch\u00eanh l\u1ec7ch v\u1ec1 m\u1ee9c \u0111\u00f3ng g\u00f3p c\u0169ng kh\u00f4ng gi\u1ea3i th\u00edch \u0111\u01b0\u1ee3c nhi\u1ec1u.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng c\u00f3 c\u01a1 s\u1edf n\u00e0o \u0111\u1ec3 g\u1ecdi m\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee5 th\u1ec3 l\u00e0 r\u1ebb nh\u1ea5t hay t\u1ed1t nh\u1ea5t n\u1ebfu kh\u00f4ng c\u00f3 c\u00e1c t\u00ednh to\u00e1n so s\u00e1nh. N\u1ebfu b\u1ea1n \u0111ang ph\u00e2n t\u00edch ng\u00e2n s\u00e1ch, h\u00e3y ki\u1ec3m tra, <a href=\"https:\/\/ubezpieczeniecudzoziemca.pl\/vi\/cam-nang\/so-sanh-cac-uu-dai-va-nhung-loi-khuyen-huu-ich\/bao-hiem-y-te-cho-nguoi-nuoc-ngoai-co-gia-bao-nhieu\/\">Chi ph\u00ed b\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i ph\u1ee5 thu\u1ed9c v\u00e0o nh\u1eefng y\u1ebfu t\u1ed1 n\u00e0o?<\/a>, sau \u0111\u00f3 ti\u1ebfn h\u00e0nh t\u00ednh to\u00e1n d\u1ef1a tr\u00ean d\u1eef li\u1ec7u hi\u1ec7n t\u1ea1i. <strong>H\u00e3y c\u0103n c\u1ee9 v\u00e0o h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung hi\u1ec7n h\u00e0nh \u0111\u1ec3 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh cu\u1ed1i c\u00f9ng<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc khi thanh to\u00e1n, h\u00e3y ki\u1ec3m tra l\u1ea1i m\u1ed9t l\u1ea7n n\u1eefa:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-itemseec7b1-final-check:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemseec7b1-final-check 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-itemseec7b1-final-check ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemseec7b1-final-check .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemseec7b1-final-check ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-itemseec7b1-final-check 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-itemseec7b1-final-check ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemseec7b1-final-check .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemseec7b1-final-check ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemseec7b1-final-check .kb-svg-icon-wrap{font-size:20px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-itemseec7b1-final-check 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-eec7b1-check-1 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-eec7b1-check-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-eec7b1-check-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\">D\u1eef li\u1ec7u: Ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m c\u00f3 \u0111\u01b0\u1ee3c ghi nh\u1eadn ch\u00ednh x\u00e1c kh\u00f4ng?<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-eec7b1-check-2 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-eec7b1-check-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-eec7b1-check-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 gian: Li\u1ec7u kho\u1ea3ng th\u1eddi gian n\u00e0y c\u00f3 ph\u00f9 h\u1ee3p v\u1edbi k\u1ebf ho\u1ea1ch l\u01b0u tr\u00fa v\u00e0 c\u00e1c y\u00eau c\u1ea7u hi\u1ec7n t\u1ea1i hay kh\u00f4ng?<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-eec7b1-check-3 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-eec7b1-check-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-eec7b1-check-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\u1edbi h\u1ea1n: T\u1ed5ng s\u1ed1 v\u00e0 t\u1ea5t c\u1ea3 c\u00e1c gi\u1edbi h\u1ea1n ph\u1ee5 quan tr\u1ecdng \u0111\u00e3 \u0111\u01b0\u1ee3c ki\u1ec3m tra ch\u01b0a?<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-eec7b1-check-4 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-eec7b1-check-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-eec7b1-check-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\">\u0110i\u1ec1u ki\u1ec7n: B\u1ea1n \u0111\u00e3 \u0111\u1ecdc k\u1ef9 ph\u1ea1m vi \u00e1p d\u1ee5ng, c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb v\u00e0 ngh\u0129a v\u1ee5 ch\u01b0a?<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-eec7b1-check-5 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-eec7b1-check-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-eec7b1-check-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\">Th\u1ee7 t\u1ee5c: C\u00f3 ai bi\u1ebft c\u00e1ch b\u00e1o c\u00e1o s\u1ef1 c\u1ed1 kh\u1ea9n c\u1ea5p v\u00e0 l\u01b0u gi\u1eef c\u00e1c t\u00e0i li\u1ec7u kh\u00f4ng?<\/span><\/li>\n<\/ul><\/div>\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=\"faq-polisa-do-kazdej-wizy\">M\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 ph\u00f9 h\u1ee3p v\u1edbi m\u1ecdi lo\u1ea1i th\u1ecb th\u1ef1c kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng n\u00ean t\u1ef1 cho r\u1eb1ng nh\u01b0 v\u1eady. C\u00e1c y\u00eau c\u1ea7u c\u00f3 th\u1ec3 ph\u1ee5 thu\u1ed9c v\u00e0o th\u1ee7 t\u1ee5c c\u1ee5 th\u1ec3 v\u00e0 n\u01a1i n\u1ed9p h\u1ed3 s\u01a1, do \u0111\u00f3 b\u1ea1n c\u1ea7n ki\u1ec3m tra th\u00f4ng tin c\u1eadp nh\u1eadt li\u00ean quan \u0111\u1ebfn tr\u01b0\u1eddng h\u1ee3p c\u1ee7a m\u00ecnh. <strong>H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c l\u1ef1a ch\u1ecdn ph\u00f9 h\u1ee3p v\u1edbi t\u1eebng \u0111\u01a1n \u0111\u0103ng k\u00fd v\u00e0 th\u1eddi gian l\u01b0u tr\u00fa c\u1ee5 th\u1ec3<\/strong>, ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 c\u1ee5m t\u1eeb chung chung \u201eb\u1ea3o hi\u1ec3m \u0111\u1ec3 xin th\u1ecb th\u1ef1c\u201d.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"faq-wysoka-suma\">M\u1ee9c b\u1ea3o hi\u1ec3m cao c\u00f3 \u0111\u1ee7 \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 \u0111\u1ec1 xu\u1ea5t n\u00e0y kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng. T\u1ed5ng h\u1ea1n m\u1ee9c c\u1ea7n \u0111\u01b0\u1ee3c xem x\u00e9t c\u00f9ng v\u1edbi c\u00e1c h\u1ea1n m\u1ee9c ph\u1ee5, ph\u1ea1m vi \u00e1p d\u1ee5ng, c\u00e1c tr\u01b0\u1eddng h\u1ee3p ngo\u1ea1i l\u1ec7 v\u00e0 quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c s\u1eed d\u1ee5ng h\u1ea1n m\u1ee9c. Trong t\u1eebng tr\u01b0\u1eddng h\u1ee3p c\u1ee5 th\u1ec3, c\u00e1c gi\u00e1 tr\u1ecb n\u00e0y c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c n\u00eau trong m\u1ed9t s\u1ed1 t\u00e0i li\u1ec7u, do \u0111\u00f3 <strong>H\u00e3y ki\u1ec3m tra h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, b\u1ea3ng c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m v\u00e0 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"faq-najtansza-oferta\">Li\u1ec7u \u01b0u \u0111\u00e3i r\u1ebb nh\u1ea5t c\u00f3 ph\u1ea3i l\u00e0 l\u1ef1a ch\u1ecdn t\u1ed1t nh\u1ea5t kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng th\u1ec3 k\u1ebft lu\u1eadn \u0111i\u1ec1u n\u00e0y n\u1ebfu kh\u00f4ng c\u00f3 c\u00e1c t\u00ednh to\u00e1n so s\u00e1nh, c\u1eadp nh\u1eadt v\u00e0 ph\u00e2n t\u00edch ph\u1ea1m vi b\u1ea3o hi\u1ec3m. M\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m th\u1ea5p h\u01a1n b\u1ea3n th\u00e2n n\u00f3 kh\u00f4ng th\u1ec3 gi\u1ea3i th\u00edch \u0111\u01b0\u1ee3c s\u1ef1 kh\u00e1c bi\u1ec7t v\u1ec1 m\u1ee9c gi\u1edbi h\u1ea1n, ngh\u0129a v\u1ee5 hay c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb. <strong>Tr\u01b0\u1edbc ti\u00ean h\u00e3y so s\u00e1nh c\u00e1c \u0111i\u1ec1u ki\u1ec7n, sau \u0111\u00f3 m\u1edbi \u0111\u1ebfn gi\u00e1 c\u1ea3<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"faq-bledne-dane\">Ph\u1ea3i l\u00e0m g\u00ec n\u1ebfu th\u00f4ng tin tr\u00ean h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 sai s\u00f3t?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1eebng \u0111\u1ec3 \u0111\u1ebfn ng\u00e0y n\u1ed9p h\u1ed3 s\u01a1 m\u1edbi x\u1eed l\u00fd v\u1ea5n \u0111\u1ec1 n\u00e0y. H\u00e3y tu\u00e2n theo th\u1ee7 t\u1ee5c quy \u0111\u1ecbnh cho h\u1ee3p \u0111\u1ed3ng \u0111\u00f3 v\u00e0 y\u00eau c\u1ea7u gi\u1ea3i th\u00edch ho\u1eb7c \u0111i\u1ec1u ch\u1ec9nh. B\u1ea1n c\u0169ng n\u00ean \u0111\u1ecdc, <a href=\"https:\/\/ubezpieczeniecudzoziemca.pl\/vi\/cam-nang\/nhung-loi-thuong-gap-nhat-va-cach-tranh-chung\/tai-sao-don-xin-bao-hiem-de-xin-thi-thuc-lai-bi-tu-choi\/\">T\u1ea1i sao b\u1ea3o hi\u1ec3m du l\u1ecbch \u0111\u1ec3 xin th\u1ecb th\u1ef1c c\u00f3 th\u1ec3 b\u1ecb t\u1eeb ch\u1ed1i?<\/a>, nh\u1eb1m ph\u00e1t hi\u1ec7n s\u1edbm c\u00e1c tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng tu\u00e2n th\u1ee7 th\u01b0\u1eddng g\u1eb7p.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"faq-dokumenty-po-zdarzeniu\">C\u1ea7n gi\u1eef l\u1ea1i nh\u1eefng gi\u1ea5y t\u1edd n\u00e0o sau khi x\u1ea3y ra s\u1ef1 c\u1ed1 kh\u1ea9n c\u1ea5p?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc h\u1ebft, h\u00e3y gi\u1eef l\u1ea1i h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, c\u00e1c t\u00e0i li\u1ec7u m\u00f4 t\u1ea3 s\u1ef1 c\u1ed1, h\u1ed3 s\u01a1 y t\u1ebf \u0111\u00e3 nh\u1eadn \u0111\u01b0\u1ee3c v\u00e0 c\u00e1c ch\u1ee9ng t\u1eeb ch\u1ee9ng minh chi ph\u00ed \u0111\u00e3 chi tr\u1ea3. Vui l\u00f2ng tham kh\u1ea3o c\u00e1c \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) hi\u1ec7n h\u00e0nh v\u00e0 h\u01b0\u1edbng d\u1eabn li\u00ean quan \u0111\u1ebfn h\u1ee3p \u0111\u1ed3ng c\u1ee7a b\u1ea1n \u0111\u1ec3 bi\u1ebft danh s\u00e1ch c\u1ee5 th\u1ec3 c\u00e1c t\u00e0i li\u1ec7u c\u1ea7n thi\u1ebft. <strong>\u0110\u1eebng v\u1ee9t b\u1ecf b\u1ea3n g\u1ed1c c\u00e1c t\u00e0i li\u1ec7u tr\u01b0\u1edbc khi v\u1ee5 vi\u1ec7c k\u1ebft th\u00fac<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"faq-obliczenie-skladki\">C\u00f3 th\u1ec3 t\u00ednh ph\u00ed b\u1ea3o hi\u1ec3m d\u1ef1a tr\u00ean th\u00f4ng tin c\u00e1 nh\u00e2n c\u1ee7a m\u00ecnh \u1edf \u0111\u00e2u?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y s\u1eed d\u1ee5ng c\u00f4ng c\u1ee5 t\u00ednh to\u00e1n d\u00e0nh ri\u00eang cho b\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i. M\u1eabu n\u00e0y cho ph\u00e9p b\u1ea1n th\u1ef1c hi\u1ec7n t\u00ednh to\u00e1n d\u1ef1a tr\u00ean c\u00e1c th\u00f4ng tin \u0111\u00e3 cung c\u1ea5p, tuy nhi\u00ean, n\u00f3 kh\u00f4ng ph\u1ea3i l\u00e0 cam k\u1ebft r\u1eb1ng ph\u01b0\u01a1ng \u00e1n \u0111\u00e3 ch\u1ecdn s\u1ebd ph\u00f9 h\u1ee3p trong m\u1ecdi tr\u01b0\u1eddng h\u1ee3p. Tr\u01b0\u1edbc khi mua h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, h\u00e3y \u0111\u1ea3m b\u1ea3o r\u1eb1ng b\u1ea1n \u0111\u00e1p \u1ee9ng \u0111\u1ea7y \u0111\u1ee7 c\u00e1c y\u00eau c\u1ea7u v\u00e0 c\u00f3 \u0111\u1ea7y \u0111\u1ee7 c\u00e1c gi\u1ea5y t\u1edd c\u1ea7n thi\u1ebft li\u00ean quan \u0111\u1ebfn g\u00f3i b\u1ea3o hi\u1ec3m \u0111\u00e3 ch\u1ecdn.<\/p>\n\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">B\u1ea1n \u0111\u00e3 c\u00f3 th\u00f4ng tin v\u1ec1 th\u1eddi gian l\u01b0u tr\u00fa v\u00e0 th\u00f4ng tin c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m ch\u01b0a? <strong>T\u00ednh ph\u00ed b\u1ea3o hi\u1ec3m cho m\u1ed9t tr\u01b0\u1eddng h\u1ee3p c\u1ee5 th\u1ec3<\/strong>, v\u00e0 tr\u01b0\u1edbc khi x\u00e1c nh\u1eadn, h\u00e3y ki\u1ec3m tra h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m hi\u1ec7n h\u00e0nh.<\/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>","protected":false},"excerpt":{"rendered":"<p>Vi\u1ec7c l\u1ef1a ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m \u0111\u1ec3 xin th\u1ecb th\u1ef1c kh\u00f4ng n\u00ean ch\u1ec9 gi\u1edbi h\u1ea1n \u1edf vi\u1ec7c ki\u1ec3m tra t\u00ean g\u00f3i b\u1ea3o hi\u1ec3m v\u00e0 m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m. 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