{"id":3403,"date":"2026-06-16T11:02:20","date_gmt":"2026-06-16T09:02:20","guid":{"rendered":"https:\/\/insurance-schengen.pl\/nieskategoryzowane\/ubezpieczenie-do-karty-pobytu-dokumenty-i-zasady\/"},"modified":"2026-09-03T12:52:05","modified_gmt":"2026-09-03T10:52:05","slug":"bao-hiem-kem-theo-the-cu-tru-cac-giay-to-va-quy-dinh","status":"publish","type":"post","link":"https:\/\/insurance-schengen.pl\/vi\/poradnik\/karta-pobytu-i-legalizacja\/ubezpieczenie-do-karty-pobytu-dokumenty-i-zasady\/","title":{"rendered":"B\u1ea3o hi\u1ec3m k\u00e8m theo th\u1ebb c\u01b0 tr\u00fa \u2013 c\u00e1c gi\u1ea5y t\u1edd v\u00e0 quy \u0111\u1ecbnh"},"content":{"rendered":"<div class=\"wp-block-kadence-advancedtext\">\n<p><strong>B\u1ea3o hi\u1ec3m k\u00e8m theo th\u1ebb c\u01b0 tr\u00fa<\/strong> \u0110\u00e2y l\u00e0 t\u00e0i li\u1ec7u x\u00e1c nh\u1eadn r\u1eb1ng ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i c\u00f3 b\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb trong th\u1eddi gian l\u01b0u tr\u00fa t\u1ea1i Ba Lan. Tr\u00ean th\u1ef1c t\u1ebf, c\u01a1 quan ch\u1ee9c n\u0103ng kh\u00f4ng ch\u1ec9 ki\u1ec3m tra vi\u1ec7c c\u00f3 hay kh\u00f4ng c\u00f3 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, m\u00e0 c\u00f2n ki\u1ec3m tra th\u1eddi h\u1ea1n hi\u1ec7u l\u1ef1c, ph\u1ea1m vi b\u1ea3o hi\u1ec3m v\u00e0 t\u00ednh ch\u00ednh x\u00e1c c\u1ee7a c\u00e1c th\u00f4ng tin tr\u00ean gi\u1ea5y t\u1edd b\u1ea3o hi\u1ec3m. Trong b\u00e0i vi\u1ebft n\u00e0y, ch\u00fang t\u00f4i s\u1ebd gi\u1ea3i th\u00edch nh\u1eefng lo\u1ea1i gi\u1ea5y t\u1edd n\u00e0o th\u01b0\u1eddng c\u1ea7n chu\u1ea9n b\u1ecb \u0111\u1ec3 xin th\u1ebb c\u01b0 tr\u00fa, lo\u1ea1i h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m n\u00e0o \u0111\u01b0\u1ee3c ch\u1ea5p nh\u1eadn \u0111\u1ec3 h\u1ee3p ph\u00e1p h\u00f3a vi\u1ec7c c\u01b0 tr\u00fa, c\u0169ng nh\u01b0 nh\u1eefng \u0111i\u1ec3m c\u1ea7n l\u01b0u \u00fd \u0111\u1ec3 tr\u00e1nh b\u1ecb y\u00eau c\u1ea7u b\u1ed5 sung thi\u1ebfu s\u00f3t.<\/p>\n<\/div>\n<nav class=\"wp-block-kadence-infobox has-theme-palette-8-background-color has-background\" aria-label=\"M\u1ee5c l\u1ee5c\">\n<div class=\"kt-blocks-info-box-link-wrap\">\n<div class=\"kt-infobox-textcontent\">\n<h4 class=\"kt-blocks-info-box-title\">M\u1ee5c l\u1ee5c<\/h4>\n<ol>\n<li><a href=\"#czym-jest-ubezpieczenie-do-karty-pobytu\">B\u1ea3o hi\u1ec3m k\u00e8m theo th\u1ebb c\u01b0 tr\u00fa l\u00e0 g\u00ec?<\/a><\/li>\n<li><a href=\"#jakie-dokumenty-trzeba-przygotowac\">C\u1ea7n chu\u1ea9n b\u1ecb nh\u1eefng gi\u1ea5y t\u1edd n\u00e0o?<\/a><\/li>\n<li><a href=\"#jak-sprawdzic-czy-polisajest-wlasciwa\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 ki\u1ec3m tra xem h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 ph\u00f9 h\u1ee3p hay kh\u00f4ng?<\/a><\/li>\n<li><a href=\"#najczestsze-bledy-przy-skladaniu\">Nh\u1eefng l\u1ed7i th\u01b0\u1eddng g\u1eb7p nh\u1ea5t khi so\u1ea1n th\u1ea3o<\/a><\/li>\n<li><a href=\"#faq\">C\u00e1c c\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p<\/a><\/li>\n<li><a href=\"#podsumowanie\">T\u00f3m t\u1eaft<\/a><\/li>\n<\/ol>\n<\/div>\n<\/div>\n<\/nav>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"czym-jest-ubezpieczenie-do-karty-pobytu\" class=\"kt-adv-heading\">B\u1ea3o hi\u1ec3m k\u00e8m theo th\u1ebb c\u01b0 tr\u00fa l\u00e0 g\u00ec?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>B\u1ea3o hi\u1ec3m k\u00e8m theo th\u1ebb c\u01b0 tr\u00fa l\u00e0 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m y t\u1ebf ho\u1eb7c t\u00e0i li\u1ec7u kh\u00e1c x\u00e1c nh\u1eadn vi\u1ec7c chi tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i t\u1ea1i Ba Lan. \u0110\u1ed1i v\u1edbi c\u01a1 quan ch\u1ee9c n\u0103ng, \u0111i\u1ec1u n\u00e0y c\u00f3 \u00fd ngh\u0129a th\u1ef1c ti\u1ec5n. N\u00f3 ch\u1ee9ng minh r\u1eb1ng trong tr\u01b0\u1eddng h\u1ee3p \u0111\u1ed9t ng\u1ed9t b\u1ecb \u1ed1m ho\u1eb7c g\u1eb7p tai n\u1ea1n, chi ph\u00ed d\u1ecbch v\u1ee5 y t\u1ebf s\u1ebd kh\u00f4ng g\u00e2y g\u00e1nh n\u1eb7ng cho h\u1ec7 th\u1ed1ng y t\u1ebf c\u00f4ng c\u1ed9ng c\u0169ng nh\u01b0 kh\u00f4ng khi\u1ebfn ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i ph\u1ea3i t\u1ef1 chi tr\u1ea3 m\u00e0 kh\u00f4ng c\u00f3 b\u1ea5t k\u1ef3 s\u1ef1 b\u1ea3o \u0111\u1ea3m n\u00e0o.<\/p>\n<p>Tr\u00ean th\u1ef1c t\u1ebf, b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i ph\u1ea3i \u0111\u01b0\u1ee3c x\u00e1c nh\u1eadn b\u1eb1ng v\u0103n b\u1ea3n b\u1ea3o hi\u1ec3m, t\u1ee9c l\u00e0 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, gi\u1ea5y ch\u1ee9ng nh\u1eadn ho\u1eb7c th\u1ebb b\u1ea3o hi\u1ec3m. Theo th\u00f4ng tin v\u1ec1 s\u1ea3n ph\u1ea9m, gi\u1ea5y t\u1edd b\u1ea3o hi\u1ec3m ph\u1ea3i n\u00eau r\u00f5 \u00edt nh\u1ea5t c\u00e1c th\u00f4ng tin sau: th\u00f4ng tin c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m, ph\u1ea1m vi b\u1ea3o hi\u1ec3m, s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m ho\u1eb7c s\u1ed1 ti\u1ec1n b\u1ea3o l\u00e3nh v\u00e0 ph\u00ed b\u1ea3o hi\u1ec3m. Ch\u00ednh nh\u1eefng y\u1ebfu t\u1ed1 n\u00e0y l\u00e0 nh\u1eefng g\u00ec c\u01a1 quan ch\u1ee9c n\u0103ng th\u01b0\u1eddng ki\u1ec3m tra nh\u1ea5t khi xem x\u00e9t h\u1ed3 s\u01a1.<\/p>\n<p>T\u00f9y thu\u1ed9c v\u00e0o c\u01a1 s\u1edf ph\u00e1p l\u00fd c\u1ee7a vi\u1ec7c c\u01b0 tr\u00fa, ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i c\u00f3 th\u1ec3 xu\u1ea5t tr\u00ecnh b\u1ea3o hi\u1ec3m c\u00f4ng ho\u1eb7c b\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n. N\u1ebfu b\u1ea1n s\u1eed d\u1ee5ng b\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n, b\u1ea1n n\u00ean ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m d\u00e0nh ri\u00eang cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i v\u00e0 ph\u00f9 h\u1ee3p v\u1edbi m\u1ee5c \u0111\u00edch h\u1ee3p ph\u00e1p h\u00f3a vi\u1ec7c c\u01b0 tr\u00fa, ch\u1eb3ng h\u1ea1n nh\u01b0 <a href=\"https:\/\/insurance-schengen.pl\/vi\/bao-hiem-kem-theo-the-cu-tru\/\">B\u1ea3o hi\u1ec3m k\u00e8m theo th\u1ebb c\u01b0 tr\u00fa<\/a>. Nh\u1edd \u0111\u00f3, vi\u1ec7c x\u00e1c nh\u1eadn r\u1eb1ng gi\u1ea5y b\u1ea3o hi\u1ec3m y t\u1ebf d\u00f9ng \u0111\u1ec3 h\u1ee3p ph\u00e1p h\u00f3a t\u00ecnh tr\u1ea1ng c\u01b0 tr\u00fa \u0111\u00e1p \u1ee9ng c\u00e1c y\u00eau c\u1ea7u v\u1ec1 th\u1ee7 t\u1ee5c s\u1ebd tr\u1edf n\u00ean d\u1ec5 d\u00e0ng h\u01a1n.<\/p>\n<\/div>\n<div class=\"wp-block-kadence-infobox has-theme-palette-8-background-color has-background\">\n<div class=\"kt-blocks-info-box-link-wrap\">\n<div class=\"kt-infobox-textcontent\">\n<h4 class=\"kt-blocks-info-box-title\">\ud83d\udca1 M\u1eb9o<\/h4>\n<p class=\"kt-blocks-info-box-text\">Tr\u01b0\u1edbc khi n\u1ed9p \u0111\u01a1n, h\u00e3y ki\u1ec3m tra xem t\u00ean, h\u1ecd v\u00e0 c\u00e1c ng\u00e0y th\u00e1ng tr\u00ean h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 tr\u00f9ng kh\u1edbp v\u1edbi th\u00f4ng tin trong h\u1ed9 chi\u1ebfu v\u00e0 m\u1eabu \u0111\u01a1n c\u01b0 tr\u00fa hay kh\u00f4ng. Ch\u1ec9 m\u1ed9t s\u1ef1 kh\u00e1c bi\u1ec7t nh\u1ecf c\u0169ng c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn vi\u1ec7c b\u1ea1n b\u1ecb y\u00eau c\u1ea7u gi\u1ea3i tr\u00ecnh.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"jakie-dokumenty-trzeba-przygotowac\" class=\"kt-adv-heading\">C\u1ea7n chu\u1ea9n b\u1ecb nh\u1eefng gi\u1ea5y t\u1edd n\u00e0o?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Nh\u1eefng ng\u01b0\u1eddi th\u1eafc m\u1eafc v\u1ec1 c\u00e1c gi\u1ea5y t\u1edd c\u1ea7n thi\u1ebft \u0111\u1ec3 xin th\u1ebb c\u01b0 tr\u00fa n\u00ean b\u1eaft \u0111\u1ea7u b\u1eb1ng vi\u1ec7c ph\u00e2n bi\u1ec7t hai nh\u00f3m gi\u1ea5y t\u1edd. Nh\u00f3m th\u1ee9 nh\u1ea5t l\u00e0 c\u00e1c gi\u1ea5y t\u1edd li\u00ean quan \u0111\u1ebfn th\u1ee7 t\u1ee5c xin c\u01b0 tr\u00fa, c\u00f2n nh\u00f3m th\u1ee9 hai l\u00e0 c\u00e1c gi\u1ea5y t\u1edd ch\u1ee9ng minh vi\u1ec7c c\u00f3 b\u1ea3o hi\u1ec3m. C\u01a1 quan ch\u1ee9c n\u0103ng c\u00f3 th\u1ec3 y\u00eau c\u1ea7u c\u1ea3 hai b\u1ed9 gi\u1ea5y t\u1edd n\u00e0y, v\u00ec v\u1eady b\u1ea1n n\u00ean chu\u1ea9n b\u1ecb song song c\u1ea3 hai.<\/p>\n<p>Trong ph\u1ea7n b\u1ea3o hi\u1ec3m, nh\u1eefng y\u1ebfu t\u1ed1 quan tr\u1ecdng nh\u1ea5t bao g\u1ed3m: h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ho\u1eb7c gi\u1ea5y ch\u1ee9ng nh\u1eadn, x\u00e1c nh\u1eadn th\u1eddi h\u1ea1n hi\u1ec7u l\u1ef1c c\u1ee7a b\u1ea3o hi\u1ec3m, th\u00f4ng tin c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m v\u00e0 th\u00f4ng tin v\u1ec1 ph\u1ea1m vi quy\u1ec1n l\u1ee3i. T\u00e0i li\u1ec7u n\u00e0y c\u1ea7n th\u1ec3 hi\u1ec7n r\u00f5 c\u00e1c th\u00f4ng tin c\u01a1 b\u1ea3n c\u1ee7a h\u1ee3p \u0111\u1ed3ng, ch\u1eb3ng h\u1ea1n nh\u01b0 th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m, s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m ho\u1eb7c s\u1ed1 ti\u1ec1n b\u1ea3o \u0111\u1ea3m v\u00e0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m. N\u1ebfu h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c c\u1ea5p d\u01b0\u1edbi d\u1ea1ng \u0111i\u1ec7n t\u1eed, b\u1ea3n in th\u01b0\u1eddng l\u00e0 \u0111\u1ee7, mi\u1ec5n l\u00e0 b\u1ea3n in \u0111\u00f3 r\u00f5 r\u00e0ng v\u00e0 \u0111\u1ea7y \u0111\u1ee7.<\/p>\n<p>Ngo\u00e0i b\u1ea3n h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, b\u1ea1n c\u0169ng n\u00ean gi\u1eef l\u1ea1i bi\u00ean lai x\u00e1c nh\u1eadn \u0111\u00e3 thanh to\u00e1n ph\u00ed b\u1ea3o hi\u1ec3m, \u0111\u1eb7c bi\u1ec7t l\u00e0 khi kho\u1ea3n thanh to\u00e1n \u0111\u01b0\u1ee3c chia th\u00e0nh nhi\u1ec1u \u0111\u1ee3t. Trong m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p, \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) ho\u1eb7c t\u1edd th\u00f4ng tin s\u1ea3n ph\u1ea9m c\u0169ng r\u1ea5t h\u1eefu \u00edch \u0111\u1ec3 ch\u1ee9ng minh r\u1eb1ng ph\u1ea1m vi b\u1ea3o hi\u1ec3m bao g\u1ed3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb. B\u1ed9 t\u00e0i li\u1ec7u n\u00e0y s\u1ebd b\u1ed5 sung \u0111\u1ea7y \u0111\u1ee7 cho c\u00e1c th\u1ee7 t\u1ee5c gi\u1ea5y t\u1edd kh\u00e1c \u0111\u01b0\u1ee3c m\u00f4 t\u1ea3 trong c\u00e1c h\u01b0\u1edbng d\u1eabn v\u1ec1 <a href=\"https:\/\/insurance-schengen.pl\/vi\/huong-dan\/the-cu-tru-va-chung-nhan-hop-phap\/\">th\u1ebb c\u01b0 tr\u00fa v\u00e0 ch\u1ee9ng nh\u1eadn h\u1ee3p ph\u00e1p<\/a>.<\/p>\n<\/div>\n<div class=\"wp-block-kadence-iconlist\">\n<ul class=\"kt-svg-icon-list\">\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>H\u1ed9 chi\u1ebfu:<\/strong> Gi\u1ea5y t\u1edd t\u00f9y th\u00e2n ph\u1ea3i kh\u1edbp v\u1edbi th\u00f4ng tin tr\u00ean h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>\u0110\u01a1n xin c\u01b0 tr\u00fa:<\/strong> m\u1eabu \u0111\u01a1n n\u1ed9p cho c\u01a1 quan h\u00e0nh ch\u00ednh t\u1ec9nh.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ho\u1eb7c ch\u1ee9ng ch\u1ec9:<\/strong> t\u00e0i li\u1ec7u x\u00e1c nh\u1eadn vi\u1ec7c k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>X\u00e1c nh\u1eadn thanh to\u00e1n:<\/strong> r\u1ea5t h\u1eefu \u00edch khi c\u01a1 quan ch\u1ee9c n\u0103ng mu\u1ed1n x\u00e1c nh\u1eadn t\u00ecnh tr\u1ea1ng hi\u1ec7u l\u1ef1c c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>C\u00e1c t\u00e0i li\u1ec7u \u0111\u00ednh k\u00e8m kh\u00e1c:<\/strong> v\u00ed d\u1ee5: \u0110i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chung (OWU), n\u1ebfu c\u1ea7n x\u00e1c \u0111\u1ecbnh ph\u1ea1m vi b\u1ea3o hi\u1ec3m.<\/span><\/li>\n<\/ul>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"jak-sprawdzic-czy-polisajest-wlasciwa\" class=\"kt-adv-heading\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 ki\u1ec3m tra xem h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 ph\u00f9 h\u1ee3p hay kh\u00f4ng?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Kh\u00f4ng ph\u1ea3i m\u1ecdi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n n\u00e0o c\u0169ng d\u1ec5 hi\u1ec3u nh\u01b0 nhau \u0111\u1ed1i v\u1edbi c\u01a1 quan ch\u1ee9c n\u0103ng. M\u1ed9t th\u1ebb c\u01b0 tr\u00fa k\u00e8m b\u1ea3o hi\u1ec3m t\u1ed1t c\u1ea7n n\u00eau r\u00f5 r\u1eb1ng n\u00f3 \u00e1p d\u1ee5ng cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i \u0111ang c\u01b0 tr\u00fa t\u1ea1i Ba Lan v\u00e0 bao g\u1ed3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb trong th\u1eddi gian l\u01b0u tr\u00fa. Trong c\u00e1c t\u00e0i li\u1ec7u gi\u1edbi thi\u1ec7u s\u1ea3n ph\u1ea9m d\u00e0nh cho c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i, ng\u01b0\u1eddi ta nh\u1ea5n m\u1ea1nh r\u1eb1ng t\u00e0i li\u1ec7u n\u00e0y ph\u1ea3i x\u00e1c nh\u1eadn m\u1ed9t c\u00e1ch r\u00f5 r\u00e0ng vi\u1ec7c k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng v\u00e0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m.<\/p>\n<p>Tr\u00ean th\u1ef1c t\u1ebf, t\u1ed1t nh\u1ea5t l\u00e0 n\u00ean ki\u1ec3m tra n\u0103m y\u1ebfu t\u1ed1. Th\u1ee9 nh\u1ea5t, xem h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 hi\u1ec7u l\u1ef1c trong kho\u1ea3ng th\u1eddi gian c\u1ea7n thi\u1ebft cho vi\u1ec7c c\u01b0 tr\u00fa h\u1ee3p ph\u00e1p hay kh\u00f4ng. Th\u1ee9 hai, xem h\u1ee3p \u0111\u1ed3ng c\u00f3 bao g\u1ed3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb b\u1ec7nh \u0111\u1ed9t ng\u1ed9t v\u00e0 h\u1eadu qu\u1ea3 c\u1ee7a tai n\u1ea1n hay kh\u00f4ng. Th\u1ee9 ba, xem h\u1ee3p \u0111\u1ed3ng c\u00f3 ghi r\u00f5 s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m ho\u1eb7c m\u1ee9c b\u1ea3o \u0111\u1ea3m hay kh\u00f4ng. Th\u1ee9 t\u01b0, xem th\u00f4ng tin c\u00e1 nh\u00e2n c\u00f3 ch\u00ednh x\u00e1c hay kh\u00f4ng. Th\u1ee9 n\u0103m, xem t\u00e0i li\u1ec7u n\u00e0y c\u00f3 d\u1ec5 \u0111\u1ecdc b\u1eb1ng ti\u1ebfng Ba Lan hay kh\u00f4ng, ho\u1eb7c \u00edt nh\u1ea5t l\u00e0 c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c cung c\u1ea5p k\u00e8m theo l\u1eddi gi\u1ea3i th\u00edch c\u1ea7n thi\u1ebft hay kh\u00f4ng.<\/p>\n<p>N\u1ebfu b\u1ea1n \u0111ang trong qu\u00e1 tr\u00ecnh l\u1ef1a ch\u1ecdn s\u1ea3n ph\u1ea9m, h\u00e3y so s\u00e1nh s\u1ea3n ph\u1ea9m \u0111\u00f3 v\u1edbi c\u00e1c g\u00f3i d\u1ecbch v\u1ee5 d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i, v\u00ed d\u1ee5 nh\u01b0 c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c m\u00f4 t\u1ea3 l\u00e0 <a href=\"https:\/\/insurance-schengen.pl\/vi\/chi-phi-dieu-tri-cho-nguoi-nuoc-ngoai-klc\/\">chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i<\/a>. C\u00e1c gi\u1ea3i ph\u00e1p ki\u1ec3u n\u00e0y \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf d\u1ef1a tr\u00ean chi ph\u00ed y t\u1ebf th\u1ef1c t\u1ebf, do \u0111\u00f3 ph\u00f9 h\u1ee3p h\u01a1n v\u1edbi m\u1ee5c \u0111\u00edch l\u00e0 s\u1eed d\u1ee5ng h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u1ec3 h\u1ee3p ph\u00e1p h\u00f3a t\u00ecnh tr\u1ea1ng c\u01b0 tr\u00fa.<\/p>\n<\/div>\n<div class=\"wp-block-kadence-infobox has-theme-palette-8-background-color has-background\">\n<div class=\"kt-blocks-info-box-link-wrap\">\n<div class=\"kt-infobox-textcontent\">\n<h4 class=\"kt-blocks-info-box-title\">\ud83d\udca1 Quan tr\u1ecdng<\/h4>\n<p class=\"kt-blocks-info-box-text\">N\u1ebfu c\u01a1 quan ch\u1ee9c n\u0103ng c\u00f3 nghi ng\u1edd, th\u00ec th\u01b0\u1eddng v\u1ea5n \u0111\u1ec1 kh\u00f4ng n\u1eb1m \u1edf t\u00ean s\u1ea3n ph\u1ea9m, m\u00e0 l\u00e0 do thi\u1ebfu th\u00f4ng tin r\u00f5 r\u00e0ng v\u1ec1 ph\u1ea1m vi b\u1ea3o hi\u1ec3m, th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m ho\u1eb7c vi\u1ec7c thanh to\u00e1n ph\u00ed b\u1ea3o hi\u1ec3m.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"najczestsze-bledy-przy-skladaniu\" class=\"kt-adv-heading\">Nh\u1eefng l\u1ed7i th\u01b0\u1eddng g\u1eb7p nh\u1ea5t khi so\u1ea1n th\u1ea3o<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>L\u1ed7i ph\u1ed5 bi\u1ebfn nh\u1ea5t l\u00e0 n\u1ed9p h\u1ed3 s\u01a1 kh\u00f4ng \u0111\u1ea7y \u0111\u1ee7. Ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i \u0111\u00ednh k\u00e8m trang \u0111\u1ea7u ti\u00ean c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, nh\u01b0ng l\u1ea1i thi\u1ebfu th\u00f4ng tin v\u1ec1 th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m ho\u1eb7c th\u00f4ng tin c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m. M\u1ed9t t\u00e0i li\u1ec7u nh\u01b0 v\u1eady c\u00f3 th\u1ec3 kh\u00f4ng \u0111\u1ee7, ngay c\u1ea3 khi b\u1ea3n th\u00e2n h\u1ee3p \u0111\u1ed3ng \u0111\u00e3 \u0111\u01b0\u1ee3c k\u00fd k\u1ebft \u0111\u00fang quy \u0111\u1ecbnh. V\u1ea5n \u0111\u1ec1 th\u01b0\u1eddng g\u1eb7p th\u1ee9 hai l\u00e0 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ch\u1ec9 c\u00f3 hi\u1ec7u l\u1ef1c trong m\u1ed9t kho\u1ea3ng th\u1eddi gian ng\u1eafn, kh\u00f4ng ph\u00f9 h\u1ee3p v\u1edbi giai \u0111o\u1ea1n x\u1eed l\u00fd th\u1ee7 t\u1ee5c c\u01b0 tr\u00fa.<\/p>\n<p>M\u1ed9t kh\u00f3 kh\u0103n kh\u00e1c n\u1ea3y sinh khi t\u00ean s\u1ea3n ph\u1ea9m mang t\u00ednh chung chung, nh\u01b0ng kh\u00f4ng th\u1ec3 nhanh ch\u00f3ng x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c r\u1eb1ng \u0111\u00f3 l\u00e0 b\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb. Trong tr\u01b0\u1eddng h\u1ee3p \u0111\u00f3, n\u00ean \u0111\u00ednh k\u00e8m th\u00eam t\u00e0i li\u1ec7u t\u1eeb c\u00f4ng ty b\u1ea3o hi\u1ec3m ho\u1eb7c b\u1ea3n \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) r\u00f5 r\u00e0ng. Vi\u1ec7c t\u00ecm hi\u1ec3u tr\u01b0\u1edbc c\u00e1c ch\u1ee7 \u0111\u1ec1 li\u00ean quan, ch\u1eb3ng h\u1ea1n nh\u01b0 <a href=\"https:\/\/insurance-schengen.pl\/vi\/huong-dan\/the-cu-tru-va-chung-nhan-hop-phap\/thay-doi-cong-viec-the-cu-tru-va-hop-dong-bao-hiem-moi\/\">Thay \u0111\u1ed5i c\u00f4ng vi\u1ec7c v\u00e0 th\u1ebb c\u01b0 tr\u00fa<\/a>, b\u1edfi v\u00ec t\u00ecnh h\u00ecnh c\u00f4ng vi\u1ec7c th\u01b0\u1eddng \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn t\u00ednh li\u00ean t\u1ee5c c\u1ee7a b\u1ea3o hi\u1ec3m.<\/p>\n<p>Vi\u1ec7c tr\u00ec ho\u00e3n vi\u1ec7c mua h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u1ebfn ph\u00fat ch\u00f3t c\u0169ng l\u00e0 m\u1ed9t sai l\u1ea7m. Khi th\u1eddi gian eo h\u1eb9p, b\u1ea1n r\u1ea5t d\u1ec5 b\u1ecf s\u00f3t l\u1ed7i ch\u00ednh t\u1ea3 trong h\u1ecd t\u00ean, ng\u00e0y sinh sai ho\u1eb7c th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m kh\u00f4ng ch\u00ednh x\u00e1c. Trong th\u1ee7 t\u1ee5c xin th\u1ebb c\u01b0 tr\u00fa, t\u00ednh nh\u1ea5t qu\u00e1n c\u1ee7a c\u00e1c t\u00e0i li\u1ec7u l\u00e0 y\u1ebfu t\u1ed1 quan tr\u1ecdng. B\u1ed9 h\u1ed3 s\u01a1 c\u00e0ng \u0111\u01b0\u1ee3c s\u1eafp x\u1ebfp g\u1ecdn g\u00e0ng, nguy c\u01a1 b\u1ecb y\u00eau c\u1ea7u b\u1ed5 sung th\u00f4ng tin c\u00e0ng th\u1ea5p.<\/p>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"faq\" class=\"kt-adv-heading\">C\u00e1c c\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<h3>Ch\u1ec9 c\u1ea7n c\u00f3 b\u1ea3o hi\u1ec3m y t\u1ebf t\u01b0 nh\u00e2n k\u00e8m theo th\u1ebb c\u01b0 tr\u00fa l\u00e0 \u0111\u1ee7 ch\u01b0a?<\/h3>\n<p>\u0110\u00fang v\u1eady, h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n c\u00f3 th\u1ec3 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n n\u1ebfu n\u00f3 x\u00e1c nh\u1eadn vi\u1ec7c chi tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i t\u1ea1i Ba Lan v\u00e0 \u0111\u00e1p \u1ee9ng c\u00e1c y\u00eau c\u1ea7u v\u1ec1 th\u1ee7 t\u1ee5c. Nh\u1eefng y\u1ebfu t\u1ed1 quan tr\u1ecdng nh\u1ea5t bao g\u1ed3m th\u00f4ng tin r\u00f5 r\u00e0ng, th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m, ph\u1ea1m vi b\u1ea3o hi\u1ec3m v\u00e0 t\u00e0i li\u1ec7u x\u00e1c nh\u1eadn vi\u1ec7c k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng.<\/p>\n<h3>C\u00e1c gi\u1ea5y t\u1edd n\u00e0o li\u00ean quan \u0111\u1ebfn b\u1ea3o hi\u1ec3m c\u1ea7n n\u1ed9p khi xin th\u1ebb c\u01b0 tr\u00fa?<\/h3>\n<p>Th\u00f4ng th\u01b0\u1eddng, b\u1ea1n c\u1ea7n cung c\u1ea5p h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ho\u1eb7c gi\u1ea5y ch\u1ee9ng nh\u1eadn, v\u00e0 th\u01b0\u1eddng l\u00e0 c\u1ea3 gi\u1ea5y x\u00e1c nh\u1eadn \u0111\u00e3 thanh to\u00e1n ph\u00ed b\u1ea3o hi\u1ec3m. Trong tr\u01b0\u1eddng h\u1ee3p c\u00f3 nghi ng\u1edd, b\u1ea1n n\u00ean \u0111\u00ednh k\u00e8m \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) ho\u1eb7c t\u1edd th\u00f4ng tin s\u1ea3n ph\u1ea9m \u0111\u1ec3 c\u01a1 quan ch\u1ee9c n\u0103ng c\u00f3 th\u1ec3 d\u1ec5 d\u00e0ng ki\u1ec3m tra ph\u1ea1m vi b\u1ea3o hi\u1ec3m.<\/p>\n<h3>Th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c \u0111\u1ed1i v\u1edbi th\u1ebb c\u01b0 tr\u00fa l\u00e0 bao l\u00e2u?<\/h3>\n<p>H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m n\u00ean bao g\u1ed3m th\u1eddi gian l\u01b0u tr\u00fa th\u1ef1c t\u1ebf ho\u1eb7c th\u1eddi gian \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u trong th\u1ee7 t\u1ee5c c\u1ee5 th\u1ec3 \u0111\u00f3. Kh\u00f4ng n\u00ean n\u1ed9p h\u1ed3 s\u01a1 c\u00f3 th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m qu\u00e1 ng\u1eafn n\u1ebfu th\u1ee7 t\u1ee5c xin c\u01b0 tr\u00fa li\u00ean quan \u0111\u1ebfn th\u1eddi gian d\u00e0i h\u01a1n.<\/p>\n<h3>C\u01a1 quan c\u00f3 th\u1ec3 y\u00eau c\u1ea7u b\u1ea3n d\u1ecbch h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m kh\u00f4ng?<\/h3>\n<p>\u0110\u00fang v\u1eady, n\u1ebfu t\u00e0i li\u1ec7u kh\u00f4ng r\u00f5 r\u00e0ng ho\u1eb7c \u0111\u01b0\u1ee3c so\u1ea1n th\u1ea3o b\u1eb1ng ti\u1ebfng n\u01b0\u1edbc ngo\u00e0i, c\u01a1 quan ch\u1ee9c n\u0103ng c\u00f3 th\u1ec3 y\u00eau c\u1ea7u gi\u1ea3i th\u00edch th\u00eam ho\u1eb7c b\u1ea3n d\u1ecbch. Do \u0111\u00f3, t\u1ed1t nh\u1ea5t l\u00e0 n\u00ean ch\u1ecdn nh\u1eefng t\u00e0i li\u1ec7u \u0111\u01b0\u1ee3c l\u1eadp theo c\u00e1ch m\u00e0 c\u01a1 quan ch\u1ee9c n\u0103ng Ba Lan c\u00f3 th\u1ec3 hi\u1ec3u \u0111\u01b0\u1ee3c.<\/p>\n<h3>C\u00f3 c\u1ea7n ph\u1ea3i xu\u1ea5t tr\u00ecnh bi\u00ean lai thanh to\u00e1n ph\u00ed b\u1ea3o hi\u1ec3m kh\u00f4ng?<\/h3>\n<p>\u0110i\u1ec1u n\u00e0y th\u01b0\u1eddng l\u00e0 m\u1ed9t \u00fd t\u01b0\u1edfng hay, \u0111\u1eb7c bi\u1ec7t l\u00e0 khi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ch\u1ec9 c\u00f3 hi\u1ec7u l\u1ef1c sau khi \u0111\u00e3 thanh to\u00e1n ph\u00ed b\u1ea3o hi\u1ec3m. Bi\u00ean lai thanh to\u00e1n gi\u00fap ch\u1ee9ng minh r\u1eb1ng h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111ang c\u00f3 hi\u1ec7u l\u1ef1c v\u00e0 kh\u00f4ng ch\u1ec9 mang t\u00ednh ch\u1ea5t l\u00e0 m\u1ed9t \u0111\u1ec1 ngh\u1ecb ban \u0111\u1ea7u.<\/p>\n<h3>Lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0o d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i l\u00e0 an to\u00e0n nh\u1ea5t v\u1ec1 m\u1eb7t th\u1ee7 t\u1ee5c?<\/h3>\n<p>Gi\u1ea3i ph\u00e1p an to\u00e0n nh\u1ea5t l\u00e0 g\u00f3i b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf ri\u00eang cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i l\u01b0u tr\u00fa t\u1ea1i Ba Lan, k\u00e8m theo gi\u1ea5y ch\u1ee9ng nh\u1eadn b\u1ea3o hi\u1ec3m r\u00f5 r\u00e0ng v\u00e0 ph\u1ea1m vi chi ph\u00ed \u0111i\u1ec1u tr\u1ecb. Tr\u01b0\u1edbc khi mua, b\u1ea1n c\u0169ng n\u00ean so s\u00e1nh <a href=\"https:\/\/insurance-schengen.pl\/vi\/bao-hiem-de-xin-thi-thuc\/\">b\u1ea3o hi\u1ec3m \u0111\u1ec3 xin th\u1ecb th\u1ef1c<\/a>, v\u00ec m\u1ed9t s\u1ed1 quy t\u1eafc l\u1eadp h\u1ed3 s\u01a1 l\u00e0 t\u01b0\u01a1ng t\u1ef1 nhau.<\/p>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"podsumowanie\" class=\"kt-adv-heading\">T\u00f3m t\u1eaft<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>B\u1ea3o hi\u1ec3m k\u00e8m theo th\u1ebb c\u01b0 tr\u00fa kh\u00f4ng ch\u1ec9 c\u1ea7n \u0111\u01b0\u1ee3c mua m\u00e0 c\u00f2n ph\u1ea3i \u0111\u01b0\u1ee3c ch\u1ee9ng minh \u0111\u1ea7y \u0111\u1ee7 b\u1eb1ng gi\u1ea5y t\u1edd. C\u00e1c y\u1ebfu t\u1ed1 quan tr\u1ecdng bao g\u1ed3m: h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ho\u1eb7c gi\u1ea5y ch\u1ee9ng nh\u1eadn, s\u1ef1 kh\u1edbp nhau gi\u1eefa th\u00f4ng tin tr\u00ean gi\u1ea5y t\u1edd v\u1edbi h\u1ed9 chi\u1ebfu, th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m, c\u0169ng nh\u01b0 th\u00f4ng tin r\u00f5 r\u00e0ng v\u1ec1 ph\u1ea1m vi \u0111i\u1ec1u tr\u1ecb. N\u1ebfu b\u1ea1n \u0111ang b\u0103n kho\u0103n kh\u00f4ng bi\u1ebft c\u1ea7n chu\u1ea9n b\u1ecb nh\u1eefng gi\u1ea5y t\u1edd n\u00e0o cho th\u1ebb c\u01b0 tr\u00fa, h\u00e3y b\u1eaft \u0111\u1ea7u b\u1eb1ng vi\u1ec7c ki\u1ec3m tra t\u00ednh \u0111\u1ea7y \u0111\u1ee7 c\u1ee7a to\u00e0n b\u1ed9 h\u1ed3 s\u01a1 tr\u01b0\u1edbc khi \u0111\u1ebfn c\u01a1 quan ch\u1ee9c n\u0103ng. M\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c l\u1ef1a ch\u1ecdn ph\u00f9 h\u1ee3p \u0111\u1ec3 h\u1ee3p ph\u00e1p h\u00f3a c\u01b0 tr\u00fa s\u1ebd gi\u1ea3m thi\u1ec3u r\u1ee7i ro thi\u1ebfu s\u00f3t v\u1ec1 th\u1ee7 t\u1ee5c v\u00e0 \u0111\u1ea9y nhanh ti\u1ebfn \u0111\u1ed9 x\u1eed l\u00fd.<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>B\u1ea3o hi\u1ec3m k\u00e8m theo th\u1ebb c\u01b0 tr\u00fa l\u00e0 t\u00e0i li\u1ec7u x\u00e1c nh\u1eadn r\u1eb1ng ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i \u0111\u01b0\u1ee3c b\u1ea3o \u0111\u1ea3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb trong th\u1eddi gian l\u01b0u tr\u00fa t\u1ea1i Ba Lan. Tr\u00ean th\u1ef1c t\u1ebf, c\u01a1 quan ch\u1ee9c n\u0103ng s\u1ebd ki\u1ec3m tra\u2026<\/p>","protected":false},"author":2,"featured_media":3402,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[11],"tags":[25,21,22,24,30],"class_list":["post-3403","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-karta-pobytu-i-legalizacja","tag-ciaglosc-ubezpieczenia","tag-jak-wybrac-polise","tag-karta-pobytu","tag-ubezpieczenie-cudzoziemca","tag-ubezpieczenie-zdrowotne"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v28.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Ubezpieczenie do karty pobytu \u2013 dokumenty i zasady - Insurance Schengen<\/title>\n<meta name=\"description\" content=\"Sprawd\u017a, jakie dokumenty do karty pobytu i jakie ubezpieczenie cudzoziemca s\u0105 potrzebne. 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