{"id":3434,"date":"2026-06-24T14:49:28","date_gmt":"2026-06-24T12:49:28","guid":{"rendered":"https:\/\/insurance-schengen.pl\/nieskategoryzowane\/karta-pobytu-a-ubezpieczenie-zdrowotne\/"},"modified":"2026-09-03T12:52:26","modified_gmt":"2026-09-03T10:52:26","slug":"the-cu-tru-va-bao-hiem-y-te","status":"publish","type":"post","link":"https:\/\/insurance-schengen.pl\/vi\/poradnik\/karta-pobytu-i-legalizacja\/karta-pobytu-a-ubezpieczenie-zdrowotne\/","title":{"rendered":"Th\u1ebb c\u01b0 tr\u00fa v\u00e0 b\u1ea3o hi\u1ec3m y t\u1ebf"},"content":{"rendered":"<div class=\"wp-block-kadence-rowlayout\">\n<div class=\"wp-block-kadence-advancedtext\">\n<p><strong>Th\u1ebb c\u01b0 tr\u00fa v\u00e0 b\u1ea3o hi\u1ec3m<\/strong> \u0110\u00e2y l\u00e0 hai y\u1ebfu t\u1ed1 li\u00ean quan \u0111\u1ebfn vi\u1ec7c h\u1ee3p ph\u00e1p h\u00f3a t\u00ecnh tr\u1ea1ng c\u01b0 tr\u00fa c\u1ee7a ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i t\u1ea1i Ba Lan. Khi n\u1ed9p \u0111\u01a1n xin c\u01b0 tr\u00fa t\u1ea1m th\u1eddi, ng\u01b0\u1eddi n\u1ed9p \u0111\u01a1n ph\u1ea3i ch\u1ee9ng minh r\u1eb1ng m\u00ecnh c\u00f3 b\u1ea3o hi\u1ec3m y t\u1ebf c\u00f2n hi\u1ec7u l\u1ef1c, \u0111\u1ea3m b\u1ea3o chi tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb. Tr\u00ean th\u1ef1c t\u1ebf, l\u1ef1a ch\u1ecdn th\u01b0\u1eddng gi\u1edbi h\u1ea1n \u1edf hai ph\u01b0\u01a1ng \u00e1n: b\u1ea3o hi\u1ec3m c\u00f4ng do ZUS v\u00e0 NFZ cung c\u1ea5p, ho\u1eb7c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m y t\u1ebf t\u01b0 nh\u00e2n d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i. Trong b\u00e0i vi\u1ebft n\u00e0y, ch\u00fang t\u00f4i s\u1ebd gi\u1ea3i th\u00edch n\u00ean ch\u1ecdn lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0o \u0111\u1ec3 xin th\u1ebb c\u01b0 tr\u00fa, s\u1ef1 kh\u00e1c bi\u1ec7t gi\u1eefa b\u1ea3o hi\u1ec3m c\u1ee7a ZUS v\u00e0 c\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m kh\u00e1c, c\u0169ng nh\u01b0 nh\u1eefng \u0111i\u1ec3m c\u1ea7n l\u01b0u \u00fd \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o h\u1ed3 s\u01a1 h\u1ee3p ph\u00e1p h\u00f3a c\u01b0 tr\u00fa \u0111\u01b0\u1ee3c \u0111\u1ea7y \u0111\u1ee7.<\/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=\"#polisa-czy-zus\">B\u1ea3o hi\u1ec3m hay ZUS?<\/a><\/li>\n<li><a href=\"#jak-wybrac-ubezpieczenie\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 ch\u1ecdn b\u1ea3o hi\u1ec3m?<\/a><\/li>\n<li><a href=\"#jakie-dokumenty-przygotowac\">C\u1ea7n chu\u1ea9n b\u1ecb nh\u1eefng gi\u1ea5y t\u1edd n\u00e0o?<\/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 b\u1eb1ng ch\u1ee9ng x\u00e1c nh\u1eadn r\u1eb1ng ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i t\u1ea1i Ba Lan \u0111\u01b0\u1ee3c \u0111\u1ea3m b\u1ea3o quy\u1ec1n ti\u1ebfp c\u1eadn ngu\u1ed3n t\u00e0i ch\u00ednh cho vi\u1ec7c \u0111i\u1ec1u tr\u1ecb y t\u1ebf. Trong qu\u00e1 tr\u00ecnh x\u00e9t duy\u1ec7t \u0111\u01a1n xin c\u01b0 tr\u00fa, c\u01a1 quan ch\u1ee9c n\u0103ng kh\u00f4ng ch\u1ec9 ki\u1ec3m tra vi\u1ec7c ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i c\u00f3 b\u1ea3o hi\u1ec3m hay kh\u00f4ng, m\u00e0 c\u00f2n ki\u1ec3m tra xem gi\u1ea5y t\u1edd \u0111\u00f3 c\u00f3 c\u00f2n hi\u1ec7u l\u1ef1c, c\u00f3 r\u00f5 r\u00e0ng v\u00e0 c\u00f3 bao g\u1ed3m to\u00e0n b\u1ed9 th\u1eddi gian c\u01b0 tr\u00fa hay kh\u00f4ng. Do \u0111\u00f3, b\u1ea3o hi\u1ec3m y t\u1ebf k\u00e8m theo th\u1ebb c\u01b0 tr\u00fa kh\u00f4ng ph\u1ea3i l\u00e0 th\u1ee7 t\u1ee5c ph\u1ee5, m\u00e0 l\u00e0 m\u1ed9t trong nh\u1eefng y\u1ebfu t\u1ed1 c\u01a1 b\u1ea3n c\u1ee7a \u0111\u01a1n xin.<\/p>\n<p>Tr\u00ean th\u1ef1c t\u1ebf, b\u1ea3o hi\u1ec3m y t\u1ebf c\u00f4ng c\u1ed9ng ho\u1eb7c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n \u0111\u00e1p \u1ee9ng c\u00e1c y\u00eau c\u1ea7u d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i \u0111\u1ec1u c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c ch\u1ea5p nh\u1eadn. T\u00e0i li\u1ec7u x\u00e1c nh\u1eadn ph\u1ea1m vi b\u1ea3o hi\u1ec3m th\u01b0\u1eddng l\u00e0 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, gi\u1ea5y ch\u1ee9ng nh\u1eadn ho\u1eb7c b\u1eb1ng ch\u1ee9ng kh\u00e1c v\u1ec1 vi\u1ec7c k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng. C\u0169ng c\u1ea7n l\u01b0u \u00fd r\u1eb1ng ph\u1ea1m vi b\u1ea3o hi\u1ec3m l\u00e0 y\u1ebfu t\u1ed1 quan tr\u1ecdng. M\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m t\u1ed1t d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i s\u1ebd bao g\u1ed3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb trong th\u1eddi gian l\u01b0u tr\u00fa t\u1ea1i Ba Lan, v\u00e0 th\u01b0\u1eddng bao g\u1ed3m c\u1ea3 chi ph\u00ed nh\u1eadp vi\u1ec7n, c\u00e1c tr\u01b0\u1eddng h\u1ee3p b\u1ec7nh \u0111\u1ed9t ng\u1ed9t v\u00e0 h\u1eadu qu\u1ea3 c\u1ee7a tai n\u1ea1n. B\u1ea1n c\u00f3 th\u1ec3 t\u00ecm hi\u1ec3u th\u00eam v\u1ec1 c\u00e1c quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 trong c\u1ea9m nang h\u01b0\u1edbng d\u1eabn <a href=\"https:\/\/insurance-schengen.pl\/vi\/huong-dan\/the-cu-tru-va-chung-nhan-hop-phap\/bao-hiem-kem-theo-the-cu-tru-cac-giay-to-va-quy-dinh\/\">B\u1ea3o hi\u1ec3m k\u00e8m theo th\u1ebb c\u01b0 tr\u00fa<\/a>.<\/p>\n<\/div>\n<div class=\"wp-block-kadence-infobox has-theme-palette-8-background-color has-background\">\n<div class=\"kt-blocks-info-box-link-wrap\">\n<div class=\"kt-infobox-textcontent\">\n<h4 class=\"kt-blocks-info-box-title\">\ud83d\udca1 M\u1eb9o<\/h4>\n<p class=\"kt-blocks-info-box-text\">C\u00e1ch an to\u00e0n nh\u1ea5t l\u00e0 ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m c\u00f3 th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m bao ph\u1ee7 to\u00e0n b\u1ed9 th\u1eddi gian l\u01b0u tr\u00fa \u0111\u00e3 khai b\u00e1o. N\u1ebfu c\u00f3 kho\u1ea3ng tr\u1ed1ng trong th\u1eddi gian b\u1ea3o hi\u1ec3m, th\u1ee7 t\u1ee5c c\u00f3 th\u1ec3 b\u1ecb k\u00e9o d\u00e0i ho\u1eb7c d\u1eabn \u0111\u1ebfn vi\u1ec7c b\u1ecb y\u00eau c\u1ea7u b\u1ed5 sung h\u1ed3 s\u01a1.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"polisa-czy-zus\" class=\"kt-adv-heading\">B\u1ea3o hi\u1ec3m hay ZUS?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>C\u00e2u h\u1ecfi v\u1ec1 vi\u1ec7c n\u00ean ch\u1ecdn b\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n hay ZUS th\u01b0\u1eddng \u0111\u01b0\u1ee3c \u0111\u1eb7t ra r\u1ea5t nhi\u1ec1u, b\u1edfi v\u00ec hai h\u00ecnh th\u1ee9c n\u00e0y ho\u1ea1t \u0111\u1ed9ng theo c\u00e1ch kh\u00e1c nhau. ZUS th\u01b0\u1eddng \u0111\u01b0\u1ee3c hi\u1ec3u l\u00e0 vi\u1ec7c ti\u1ebfp c\u1eadn h\u1ec7 th\u1ed1ng ph\u00fac l\u1ee3i y t\u1ebf c\u00f4ng c\u1ed9ng th\u00f4ng qua vi\u1ec7c \u0111\u0103ng k\u00fd tham gia b\u1ea3o hi\u1ec3m v\u00e0 \u0111\u00f3ng ph\u00ed b\u1ea3o hi\u1ec3m. Gi\u1ea3i ph\u00e1p n\u00e0y th\u01b0\u1eddng l\u00e0 l\u1ef1a ch\u1ecdn t\u1ef1 nhi\u00ean \u0111\u1ed1i v\u1edbi nh\u1eefng ng\u01b0\u1eddi l\u00e0m vi\u1ec7c theo h\u1ee3p \u0111\u1ed3ng lao \u0111\u1ed9ng, nh\u1eefng ng\u01b0\u1eddi kinh doanh ho\u1eb7c nh\u1eefng ng\u01b0\u1eddi c\u00f3 c\u01a1 s\u1edf b\u1ea3o hi\u1ec3m \u1ed5n \u0111\u1ecbnh kh\u00e1c.<\/p>\n<p>B\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n th\u01b0\u1eddng \u0111\u01a1n gi\u1ea3n h\u01a1n \u0111\u1ed1i v\u1edbi nh\u1eefng ng\u01b0\u1eddi ch\u01b0a \u0111\u01b0\u1ee3c ti\u1ebfp c\u1eadn h\u1ec7 th\u1ed1ng b\u1ea3o hi\u1ec3m c\u00f4ng c\u1ed9ng ho\u1eb7c c\u1ea7n m\u1ed9t gi\u1ea5y t\u1edd nhanh ch\u00f3ng \u0111\u1ec3 h\u1ee3p ph\u00e1p h\u00f3a t\u00ecnh tr\u1ea1ng c\u01b0 tr\u00fa. Lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0y c\u00f3 th\u1ec3 chi tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i trong th\u1eddi gian l\u01b0u tr\u00fa t\u1ea1i Ba Lan v\u00e0 l\u00e0 c\u01a1 s\u1edf \u0111\u1ec3 xin gi\u1ea5y ph\u00e9p c\u01b0 tr\u00fa. Tuy nhi\u00ean, b\u1ea1n c\u1ea7n ki\u1ec3m tra ph\u1ea1m vi b\u1ea3o hi\u1ec3m, c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb tr\u00e1ch nhi\u1ec7m v\u00e0 m\u1ee9c b\u1ea3o hi\u1ec3m. N\u1ebfu b\u1ea1n mu\u1ed1n so s\u00e1nh c\u00e1c nguy\u00ean t\u1eafc chung v\u1ec1 ph\u1ea1m vi b\u1ea3o hi\u1ec3m, b\u00e0i vi\u1ebft sau \u0111\u00e2y s\u1ebd h\u1eefu \u00edch <a href=\"https:\/\/insurance-schengen.pl\/vi\/huong-dan\/bao-hiem-cho-nguoi-nuoc-ngoai\/bao-hiem-y-te-cho-nguoi-nuoc-ngoai-hoat-dong-nhu-the-nao\/\">B\u1ea3o hi\u1ec3m y t\u1ebf cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i<\/a>.<\/p>\n<h3>Khi n\u00e0o ZUS l\u1ea1i t\u1ed1t h\u01a1n<\/h3>\n<p>ZUS v\u00e0 NFZ th\u01b0\u1eddng ho\u1ea1t \u0111\u1ed9ng hi\u1ec7u qu\u1ea3 h\u01a1n khi ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i l\u00e0m vi\u1ec7c h\u1ee3p ph\u00e1p, theo h\u1ecdc theo m\u1ed9t h\u00ecnh th\u1ee9c c\u1ee5 th\u1ec3 ho\u1eb7c c\u00f3 t\u01b0 c\u00e1ch kh\u00e1c \u0111\u1ec3 tham gia b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i. \u01afu \u0111i\u1ec3m l\u00e0 vi\u1ec7c tham gia v\u00e0o h\u1ec7 th\u1ed1ng b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i gi\u00fap vi\u1ec7c x\u00e1c nh\u1eadn t\u00ecnh tr\u1ea1ng b\u1ea3o hi\u1ec3m \u1ed5n \u0111\u1ecbnh tr\u1edf n\u00ean d\u1ec5 d\u00e0ng h\u01a1n.<\/p>\n<h3>Khi n\u00e0o th\u00ec h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n l\u1ea1i t\u1ed1t h\u01a1n<\/h3>\n<p>B\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n l\u00e0 l\u1ef1a ch\u1ecdn thi\u1ebft th\u1ef1c khi b\u1ea1n c\u1ea7n gi\u1ea5y t\u1edd nhanh ch\u00f3ng, ch\u01b0a c\u00f3 vi\u1ec7c l\u00e0m ho\u1eb7c \u0111ang trong qu\u00e1 tr\u00ecnh s\u1eafp x\u1ebfp vi\u1ec7c c\u01b0 tr\u00fa t\u1ea1i Ba Lan. \u0110\u1ed1i v\u1edbi nhi\u1ec1u ng\u01b0\u1eddi, \u0111\u00e2y l\u00e0 c\u00e2u tr\u1ea3 l\u1eddi \u0111\u01a1n gi\u1ea3n nh\u1ea5t cho c\u00e2u h\u1ecfi: n\u00ean ch\u1ecdn lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0o k\u00e8m theo th\u1ebb c\u01b0 tr\u00fa khi m\u1edbi b\u1eaft \u0111\u1ea7u.<\/p>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"jak-wybrac-ubezpieczenie\" class=\"kt-adv-heading\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 ch\u1ecdn b\u1ea3o hi\u1ec3m?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Vi\u1ec7c l\u1ef1a ch\u1ecdn kh\u00f4ng n\u00ean ch\u1ec9 d\u1ef1a v\u00e0o gi\u00e1 c\u1ea3. \u0110\u1ec3 h\u1ee3p ph\u00e1p h\u00f3a t\u00ecnh tr\u1ea1ng c\u01b0 tr\u00fa v\u00e0 b\u1ea3o hi\u1ec3m, t\u00e0i li\u1ec7u \u0111\u00f3 kh\u00f4ng ch\u1ec9 c\u1ea7n c\u00f3 gi\u00e1 r\u1ebb m\u00e0 tr\u00ean h\u1ebft ph\u1ea3i h\u1eefu \u00edch v\u00e0 tu\u00e2n th\u1ee7 c\u00e1c y\u00eau c\u1ea7u. M\u1ed9t quy\u1ebft \u0111\u1ecbnh \u0111\u00fang \u0111\u1eafn ph\u1ee5 thu\u1ed9c v\u00e0o m\u1ee5c \u0111\u00edch c\u01b0 tr\u00fa, t\u00ecnh h\u00ecnh ngh\u1ec1 nghi\u1ec7p c\u1ee7a b\u1ea1n c\u0169ng nh\u01b0 vi\u1ec7c b\u1ea1n c\u00f3 \u0111\u01b0\u1ee3c ti\u1ebfp c\u1eadn v\u1edbi h\u1ec7 th\u1ed1ng c\u00f4ng c\u1ed9ng hay kh\u00f4ng.<\/p>\n<p>N\u1ebfu b\u1ea1n \u0111ang l\u00e0m vi\u1ec7c v\u00e0 ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng \u0111\u00e3 \u0111\u0103ng k\u00fd b\u1ea3o hi\u1ec3m cho b\u1ea1n, b\u1ea3o hi\u1ec3m c\u00f4ng c\u1ed9ng c\u00f3 th\u1ec3 l\u00e0 l\u1ef1a ch\u1ecdn t\u1ed1t nh\u1ea5t. Tuy nhi\u00ean, n\u1ebfu b\u1ea1n m\u1edbi b\u1eaft \u0111\u1ea7u n\u1ed9p h\u1ed3 s\u01a1 ho\u1eb7c t\u00ecnh h\u00ecnh c\u00f4ng vi\u1ec7c c\u1ee7a b\u1ea1n ch\u01b0a \u1ed5n \u0111\u1ecbnh, b\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n th\u01b0\u1eddng mang l\u1ea1i s\u1ef1 linh ho\u1ea1t cao h\u01a1n. B\u1ea1n c\u0169ng n\u00ean so s\u00e1nh r\u1ee7i ro th\u1ef1c t\u1ebf v\u1ec1 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb. B\u00e0i vi\u1ebft n\u00e0y s\u1ebd gi\u00fap b\u1ea1n l\u00e0m \u0111i\u1ec1u \u0111\u00f3 <a href=\"https:\/\/insurance-schengen.pl\/vi\/huong-dan\/chi-phi-dieu-tri-va-suc-khoe\/chi-phi-kham-benh-tu-nhan-tai-ba-lan-vao-nam-2026-la-bao-nhieu\/\">Chi ph\u00ed kh\u00e1m b\u00e1c s\u0129 t\u01b0 nh\u00e2n l\u00e0 bao nhi\u00eau?<\/a>, cho th\u1ea5y s\u1ed1 ti\u1ec1n b\u1ea1n c\u00f3 th\u1ec3 ph\u1ea3i tr\u1ea3 n\u1ebfu kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m.<\/p>\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>Ph\u1ea1m vi:<\/strong> H\u00e3y ki\u1ec3m tra xem h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 bao g\u1ed3m \u0111i\u1ec1u tr\u1ecb ngo\u1ea1i tr\u00fa, nh\u1eadp vi\u1ec7n v\u00e0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p b\u1ec7nh \u0111\u1ed9t ng\u1ed9t hay kh\u00f4ng.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Th\u1eddi h\u1ea1n b\u1ea3o h\u1ed9:<\/strong> H\u00e3y \u0111i\u1ec1u ch\u1ec9nh c\u00e1c ng\u00e0y sao cho ph\u00f9 h\u1ee3p v\u1edbi to\u00e0n b\u1ed9 th\u1eddi gian l\u01b0u tr\u00fa v\u00e0 th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>T\u00e0i li\u1ec7u:<\/strong> H\u00e3y \u0111\u1ea3m b\u1ea3o r\u1eb1ng b\u1ea1n nh\u1eadn \u0111\u01b0\u1ee3c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ho\u1eb7c gi\u1ea5y ch\u1ee9ng nh\u1eadn c\u00f3 n\u1ed9i dung r\u00f5 r\u00e0ng \u0111\u1ec3 c\u01a1 quan ch\u1ee9c n\u0103ng c\u00f3 th\u1ec3 xem x\u00e9t.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>C\u00e1c tr\u01b0\u1eddng h\u1ee3p ngo\u1ea1i l\u1ec7:<\/strong> H\u00e3y \u0111\u1ecdc \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) v\u00e0 ki\u1ec3m tra xem c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00f4ng chi tr\u1ea3 nh\u1eefng tr\u01b0\u1eddng h\u1ee3p n\u00e0o.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>T\u00ecnh h\u00ecnh t\u1ea1i Ba Lan:<\/strong> H\u00e3y \u0111\u00e1nh gi\u00e1 xem b\u1ea1n \u0111\u00e3 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n tham gia b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i (ZUS) hay c\u1ea7n mua b\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n.<\/span><\/li>\n<\/ul>\n<\/div>\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 mua, h\u00e3y ki\u1ec3m tra xem h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 \u00e1p d\u1ee5ng cho th\u1eddi gian l\u01b0u tr\u00fa c\u1ee7a ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i t\u1ea1i Ba Lan hay kh\u00f4ng, ch\u1ee9 kh\u00f4ng ch\u1ec9 d\u00e0nh ri\u00eang cho chuy\u1ebfn \u0111i n\u01b0\u1edbc ngo\u00e0i. \u0110\u00e2y l\u00e0 m\u1ed9t sai l\u1ea7m th\u01b0\u1eddng g\u1eb7p khi l\u1ef1a ch\u1ecdn c\u00e1c s\u1ea3n ph\u1ea9m c\u00f3 gi\u00e1 r\u1ebb nh\u1ea5t.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"jakie-dokumenty-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>Th\u00f4ng th\u01b0\u1eddng, \u0111\u01a1n xin c\u01b0 tr\u00fa ph\u1ea3i k\u00e8m theo t\u00e0i li\u1ec7u x\u00e1c nh\u1eadn b\u1ea3o hi\u1ec3m y t\u1ebf. T\u00f9y theo t\u1eebng tr\u01b0\u1eddng h\u1ee3p, \u0111\u00f3 c\u00f3 th\u1ec3 l\u00e0 gi\u1ea5y x\u00e1c nh\u1eadn c\u1ee7a ZUS, gi\u1ea5y \u0111\u0103ng k\u00fd v\u1edbi NFZ, h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n ho\u1eb7c gi\u1ea5y ch\u1ee9ng nh\u1eadn b\u1ea3o hi\u1ec3m. \u0110i\u1ec1u quan tr\u1ecdng nh\u1ea5t l\u00e0 t\u00e0i li\u1ec7u \u0111\u00f3 ph\u1ea3i cho ph\u00e9p c\u01a1 quan ch\u1ee9c n\u0103ng x\u00e1c \u0111\u1ecbnh r\u00f5 r\u00e0ng r\u1eb1ng b\u1ea3o hi\u1ec3m \u0111\u00e3 \u0111\u01b0\u1ee3c thi\u1ebft l\u1eadp v\u00e0 c\u00f3 hi\u1ec7u l\u1ef1c trong kho\u1ea3ng th\u1eddi gian th\u00edch h\u1ee3p.<\/p>\n<p>M\u1ed9t th\u00f3i quen t\u1ed1t l\u00e0 chu\u1ea9n b\u1ecb \u0111\u1ea7y \u0111\u1ee7 c\u00e1c t\u00e0i li\u1ec7u: h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ho\u1eb7c gi\u1ea5y ch\u1ee9ng nh\u1eadn, bi\u00ean lai x\u00e1c nh\u1eadn \u0111\u00e3 \u0111\u00f3ng ph\u00ed b\u1ea3o hi\u1ec3m, th\u00f4ng tin c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m v\u00e0 th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m. N\u1ebfu b\u1ea1n thay \u0111\u1ed5i c\u00f4ng vi\u1ec7c ho\u1eb7c c\u01a1 s\u1edf c\u01b0 tr\u00fa, h\u00e3y ki\u1ec3m tra xem b\u1ea3o hi\u1ec3m hi\u1ec7n t\u1ea1i c\u1ee7a b\u1ea1n c\u00f3 c\u00f2n hi\u1ec7u l\u1ef1c hay kh\u00f4ng. Trong m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p, b\u1ea1n c\u1ea7n ph\u1ea3i l\u00e0m th\u1ee7 t\u1ee5c \u0111\u1ec3 c\u00f3 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m m\u1edbi ho\u1eb7c gi\u1ea5y x\u00e1c nh\u1eadn m\u1edbi. C\u1ea9m nang h\u01b0\u1edbng d\u1eabn sau \u0111\u00e2y c\u00f3 th\u1ec3 h\u1eefu \u00edch cho b\u1ea1n <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>, trong \u0111\u00f3 h\u01b0\u1edbng d\u1eabn c\u00e1ch duy tr\u00ec t\u00ednh li\u00ean t\u1ee5c c\u1ee7a c\u00e1c t\u00e0i li\u1ec7u.<\/p>\n<h3>Nh\u1eefng l\u1ed7i th\u01b0\u1eddng g\u1eb7p nh\u1ea5t<\/h3>\n<p>V\u1ea5n \u0111\u1ec1 th\u01b0\u1eddng g\u1eb7p nh\u1ea5t l\u00e0 th\u1eddi h\u1ea1n c\u1ee7a gi\u1ea5y t\u1edd qu\u00e1 ng\u1eafn, thi\u1ebfu x\u00e1c nh\u1eadn \u0111\u00e3 thanh to\u00e1n ph\u00ed ho\u1eb7c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m kh\u00f4ng ph\u00f9 h\u1ee3p v\u1edbi th\u1eddi gian l\u01b0u tr\u00fa t\u1ea1i Ba Lan. Ng\u01b0\u1eddi ta c\u0169ng th\u01b0\u1eddng l\u1ea7m t\u01b0\u1edfng r\u1eb1ng b\u1ea5t k\u1ef3 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n n\u00e0o c\u0169ng t\u1ef1 \u0111\u1ed9ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 h\u1ee3p ph\u00e1p h\u00f3a. Tuy nhi\u00ean, kh\u00f4ng ph\u1ea3i h\u1ee3p \u0111\u1ed3ng n\u00e0o c\u0169ng c\u00f3 t\u00ednh th\u1ef1c ti\u1ec5n nh\u01b0 nhau trong th\u1ee7 t\u1ee5c n\u00e0y.<\/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>C\u00f3 c\u1ea7n ph\u1ea3i c\u00f3 b\u1ea3o hi\u1ec3m y t\u1ebf \u0111\u1ec3 xin th\u1ebb c\u01b0 tr\u00fa kh\u00f4ng?<\/h3>\n<p>\u0110\u00fang v\u1eady, tr\u00ean th\u1ef1c t\u1ebf, b\u1ea1n ph\u1ea3i ch\u1ee9ng minh r\u1eb1ng m\u00ecnh c\u00f3 b\u1ea3o hi\u1ec3m y t\u1ebf c\u00f2n hi\u1ec7u l\u1ef1c ho\u1eb7c c\u00f3 ngu\u1ed3n t\u00e0i ch\u00ednh \u0111\u1ec3 chi tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb. \u0110\u00e2y l\u00e0 m\u1ed9t trong nh\u1eefng y\u1ebfu t\u1ed1 c\u01a1 b\u1ea3n c\u1ee7a b\u1ed9 h\u1ed3 s\u01a1 c\u1ea7n n\u1ed9p khi l\u00e0m th\u1ee7 t\u1ee5c h\u1ee3p ph\u00e1p h\u00f3a t\u00ecnh tr\u1ea1ng c\u01b0 tr\u00fa.<\/p>\n<h3>Lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0o ph\u00f9 h\u1ee3p nh\u1ea5t v\u1edbi th\u1ebb c\u01b0 tr\u00fa?<\/h3>\n<p>Lo\u1ea1i b\u1ea3o hi\u1ec3m t\u1ed1t nh\u1ea5t ph\u1ee5 thu\u1ed9c v\u00e0o ho\u00e0n c\u1ea3nh c\u1ee5 th\u1ec3 c\u1ee7a b\u1ea1n. N\u1ebfu b\u1ea1n c\u00f3 t\u01b0 c\u00e1ch tham gia \u1ed5n \u0111\u1ecbnh v\u00e0o h\u1ec7 th\u1ed1ng b\u1ea3o hi\u1ec3m c\u00f4ng c\u1ed9ng, b\u1ea3o hi\u1ec3m do ZUS v\u00e0 NFZ cung c\u1ea5p c\u00f3 th\u1ec3 l\u00e0 l\u1ef1a ch\u1ecdn ph\u00f9 h\u1ee3p. N\u1ebfu b\u1ea1n kh\u00f4ng c\u00f3 \u0111i\u1ec1u ki\u1ec7n \u0111\u00f3, th\u01b0\u1eddng th\u00ec m\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i, bao g\u1ed3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb t\u1ea1i Ba Lan, s\u1ebd l\u00e0 l\u1ef1a ch\u1ecdn t\u1ed1t h\u01a1n.<\/p>\n<h3>B\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n hay B\u1ea3o hi\u1ec3m X\u00e3 h\u1ed9i (ZUS) \u2013 c\u01a1 quan n\u00e0o ch\u1ea5p nh\u1eadn nhi\u1ec1u h\u01a1n?<\/h3>\n<p>C\u01a1 quan n\u00e0y kh\u00f4ng \u0111\u00e1nh gi\u00e1 gi\u1ea3i ph\u00e1p d\u1ef1a tr\u00ean t\u00ean g\u1ecdi, m\u00e0 d\u1ef1a tr\u00ean vi\u1ec7c t\u00e0i li\u1ec7u \u0111\u00f3 c\u00f3 ch\u1ee9ng minh \u0111\u01b0\u1ee3c s\u1ef1 b\u1ea3o v\u1ec7 th\u1ef1c t\u1ebf v\u00e0 h\u1ee3p l\u1ec7 hay kh\u00f4ng. C\u1ea3 b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i (ZUS) l\u1eabn h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n \u0111\u1ec1u c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c ch\u1ea5p nh\u1eadn n\u1ebfu \u0111\u00e1p \u1ee9ng c\u00e1c y\u00eau c\u1ea7u v\u00e0 \u0111\u01b0\u1ee3c ch\u1ee9ng minh \u0111\u1ea7y \u0111\u1ee7 b\u1eb1ng t\u00e0i li\u1ec7u.<\/p>\n<h3>B\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n c\u00f3 \u0111\u1ee7 \u0111\u1ec3 h\u1ee3p ph\u00e1p h\u00f3a vi\u1ec7c c\u01b0 tr\u00fa kh\u00f4ng?<\/h3>\n<p>Trong nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p th\u00ec \u0111\u00fang l\u00e0 nh\u01b0 v\u1eady, mi\u1ec5n l\u00e0 gi\u1ea5y t\u1edd \u0111\u00f3 \u0111\u01b0\u1ee3c l\u1ef1a ch\u1ecdn ph\u00f9 h\u1ee3p v\u1edbi th\u1eddi gian l\u01b0u tr\u00fa c\u1ee7a ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i t\u1ea1i Ba Lan. C\u1ea7n ki\u1ec3m tra ph\u1ea1m vi b\u1ea3o hi\u1ec3m, th\u1eddi h\u1ea1n hi\u1ec7u l\u1ef1c c\u0169ng nh\u01b0 xem li\u1ec7u gi\u1ea5y t\u1edd \u0111\u00f3 c\u00f3 ph\u00f9 h\u1ee3p \u0111\u1ec3 n\u1ed9p t\u1ea1i c\u01a1 quan ch\u1ee9c n\u0103ng hay kh\u00f4ng.<\/p>\n<h3>C\u1ea7n n\u1ed9p nh\u1eefng gi\u1ea5y t\u1edd n\u00e0o k\u00e8m theo \u0111\u01a1n xin c\u01b0 tr\u00fa?<\/h3>\n<p>Th\u00f4ng th\u01b0\u1eddng, b\u1ea1n c\u1ea7n c\u00f3 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, ch\u1ee9ng ch\u1ec9 ho\u1eb7c gi\u1ea5y x\u00e1c nh\u1eadn b\u1ea3o hi\u1ec3m. Th\u01b0\u1eddng th\u00ec b\u1ea1n c\u0169ng n\u00ean \u0111\u00ednh k\u00e8m bi\u00ean lai thanh to\u00e1n v\u00e0 c\u00e1c t\u00e0i li\u1ec7u ch\u1ee9ng minh s\u1ef1 li\u00ean t\u1ee5c c\u1ee7a quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m. B\u1ea1n c\u00f3 th\u1ec3 t\u00ecm th\u00eam h\u01b0\u1edbng d\u1eabn tr\u00ean trang web <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>.<\/p>\n<h3>Ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i t\u1ea1i Ba Lan c\u00f3 th\u1ec3 tham gia b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i (ZUS) m\u00e0 kh\u00f4ng c\u1ea7n c\u00f3 vi\u1ec7c l\u00e0m kh\u00f4ng?<\/h3>\n<p>\u0110i\u1ec1u n\u00e0y ph\u1ee5 thu\u1ed9c v\u00e0o c\u01a1 s\u1edf tham gia b\u1ea3o hi\u1ec3m. Ch\u1ec9 \u0111\u01a1n thu\u1ea7n mong mu\u1ed1n c\u00f3 b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i (ZUS) kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o c\u0169ng \u0111\u1ee7. C\u1ea7n ph\u1ea3i c\u00f3 c\u01a1 s\u1edf ph\u00e1p l\u00fd c\u1ee5 th\u1ec3 \u0111\u1ec3 tham gia b\u1ea3o hi\u1ec3m, ch\u00ednh v\u00ec v\u1eady nhi\u1ec1u ng\u01b0\u1eddi ban \u0111\u1ea7u ch\u1ecdn mua h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n.<\/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>Th\u1ebb c\u01b0 tr\u00fa v\u00e0 b\u1ea3o hi\u1ec3m y t\u1ebf l\u00e0 m\u1ed9t ch\u1ee7 \u0111\u1ec1 kh\u00f4ng c\u00f3 gi\u1ea3i ph\u00e1p chung cho t\u1ea5t c\u1ea3 m\u1ecdi ng\u01b0\u1eddi. N\u1ebfu b\u1ea1n c\u00f3 th\u1ec3 ti\u1ebfp c\u1eadn h\u1ec7 th\u1ed1ng c\u00f4ng c\u1ed9ng, ZUS v\u00e0 NFZ c\u00f3 th\u1ec3 l\u00e0 l\u1ef1a ch\u1ecdn thu\u1eadn ti\u1ec7n nh\u1ea5t. N\u1ebfu b\u1ea1n c\u1ea7n m\u1ed9t gi\u1ea5y t\u1edd nhanh ch\u00f3ng v\u00e0 linh ho\u1ea1t, h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n c\u00f3 th\u1ec3 l\u00e0 l\u1ef1a ch\u1ecdn t\u1ed1t h\u01a1n. \u0110i\u1ec1u quan tr\u1ecdng nh\u1ea5t l\u00e0 \u0111i\u1ec1u ch\u1ec9nh ph\u1ea1m vi b\u1ea3o hi\u1ec3m cho ph\u00f9 h\u1ee3p v\u1edbi ho\u00e0n c\u1ea3nh c\u1ee7a b\u1ea1n v\u00e0 chu\u1ea9n b\u1ecb \u0111\u1ea7y \u0111\u1ee7 c\u00e1c gi\u1ea5y t\u1edd c\u1ea7n thi\u1ebft \u0111\u1ec3 n\u1ed9p cho c\u01a1 quan ch\u1ee9c n\u0103ng. Tr\u01b0\u1edbc khi l\u1ef1a ch\u1ecdn, h\u00e3y ki\u1ec3m tra ph\u1ea1m vi, th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a h\u1ee3p \u0111\u1ed3ng \u0111\u1ec3 qu\u00e1 tr\u00ecnh h\u1ee3p ph\u00e1p h\u00f3a c\u01b0 tr\u00fa di\u1ec5n ra su\u00f4n s\u1ebb h\u01a1n.<\/p>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Th\u1ebb c\u01b0 tr\u00fa v\u00e0 b\u1ea3o hi\u1ec3m l\u00e0 hai y\u1ebfu t\u1ed1 li\u00ean quan \u0111\u1ebfn vi\u1ec7c h\u1ee3p ph\u00e1p h\u00f3a t\u00ecnh tr\u1ea1ng c\u01b0 tr\u00fa c\u1ee7a ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i t\u1ea1i Ba Lan. Khi n\u1ed9p \u0111\u01a1n xin c\u01b0 tr\u00fa t\u1ea1m th\u1eddi, ng\u01b0\u1eddi n\u1ed9p \u0111\u01a1n ph\u1ea3i ch\u1ee9ng minh r\u1eb1ng,\u2026<\/p>","protected":false},"author":2,"featured_media":3433,"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":[32,22,28,24,30],"class_list":["post-3434","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-karta-pobytu-i-legalizacja","tag-cudzoziemcy-w-polsce","tag-karta-pobytu","tag-prywatna-opieka-zdrowotna","tag-ubezpieczenie-cudzoziemca","tag-ubezpieczenie-zdrowotne"],"acf":[],"yoast_head":"<!-- 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