{"id":3437,"date":"2026-06-26T14:14:57","date_gmt":"2026-06-26T12:14:57","guid":{"rendered":"https:\/\/insurance-schengen.pl\/nieskategoryzowane\/jakie-ubezpieczenie-do-karty-pobytu-2026\/"},"modified":"2026-09-03T12:52:30","modified_gmt":"2026-09-03T10:52:30","slug":"nen-chon-loai-bao-hiem-nao-cho-the-cu-tru-nam-2026","status":"publish","type":"post","link":"https:\/\/insurance-schengen.pl\/vi\/poradnik\/karta-pobytu-i-legalizacja\/jakie-ubezpieczenie-do-karty-pobytu-2026\/","title":{"rendered":"N\u00ean ch\u1ecdn lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0o cho th\u1ebb c\u01b0 tr\u00fa n\u0103m 2026?"},"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 \u0111\u01b0\u1ee3c \u0111\u1ea3m b\u1ea3o chi tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb y t\u1ebf t\u1ea1i Ba Lan trong th\u1eddi gian c\u01b0 tr\u00fa h\u1ee3p ph\u00e1p. V\u00e0o n\u0103m 2026, 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 vi\u1ec7c b\u1ea3o hi\u1ec3m y t\u1ebf l\u00e0 th\u1ef1c t\u1ebf, c\u00f3 hi\u1ec7u l\u1ef1c v\u00e0 c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c ch\u1ee9ng minh b\u1eb1ng h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ho\u1eb7c c\u00e1c gi\u1ea5y t\u1edd b\u1ea3o hi\u1ec3m kh\u00e1c \u0111\u01b0\u1ee3c ch\u1ea5p nh\u1eadn. 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 k\u00e8m theo th\u1ebb c\u01b0 tr\u00fa, s\u1ef1 kh\u00e1c bi\u1ec7t gi\u1eefa h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n v\u00e0 c\u00e1c gi\u1ea3i ph\u00e1p kh\u00e1c, nh\u1eefng gi\u1ea5y t\u1edd th\u01b0\u1eddng c\u1ea7n thi\u1ebft v\u00e0 nh\u1eefng \u0111i\u1ec1u c\u1ea7n l\u01b0u \u00fd tr\u01b0\u1edbc khi n\u1ed9p \u0111\u01a1n.<\/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\">B\u1ea3o hi\u1ec3m k\u00e8m theo th\u1ebb c\u01b0 tr\u00fa l\u00e0 g\u00ec?<\/a><\/li>\n<li><a href=\"#jakie-ubezpieczenie-wybrac\">N\u00ean ch\u1ecdn lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0o v\u00e0o n\u0103m 2026?<\/a><\/li>\n<li><a href=\"#na-co-zwrocic-uwage\">C\u1ea7n ch\u00fa \u00fd nh\u1eefng \u0111i\u1ec3m n\u00e0o khi xem x\u00e9t h\u1ee3p \u0111\u1ed3ng 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 \u0111\u1ec3 n\u1ed9p \u0111\u01a1n?<\/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\" 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 cho th\u1eddi gian l\u01b0u tr\u00fa t\u1ea1m th\u1eddi l\u00e0 b\u1eb1ng ch\u1ee9ng x\u00e1c nh\u1eadn r\u1eb1ng ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i s\u1ebd \u0111\u01b0\u1ee3c \u0111\u1ea3m b\u1ea3o chi ph\u00ed \u0111i\u1ec1u tr\u1ecb trong th\u1eddi gian l\u01b0u tr\u00fa t\u1ea1i Ba Lan. T\u1eeb g\u00f3c \u0111\u1ed9 c\u1ee7a c\u01a1 quan ch\u1ee9c n\u0103ng, v\u1ea5n \u0111\u1ec1 kh\u00f4ng ch\u1ec9 n\u1eb1m \u1edf vi\u1ec7c mua h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, m\u00e0 c\u00f2n \u1edf vi\u1ec7c t\u00e0i li\u1ec7u \u0111\u00f3 ph\u1ea3i n\u00eau r\u00f5 th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m, th\u00f4ng tin c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m v\u00e0 ph\u1ea1m vi c\u00e1c quy\u1ec1n l\u1ee3i. Do \u0111\u00f3, vi\u1ec7c c\u01b0 tr\u00fa h\u1ee3p ph\u00e1p \u0111\u01b0\u1ee3c g\u1eafn li\u1ec1n tr\u1ef1c ti\u1ebfp v\u1edbi t\u00ednh \u0111\u1ea7y \u0111\u1ee7 c\u1ee7a h\u1ed3 s\u01a1 xin c\u1ea5p ph\u00e9p.<\/p>\n<p>Tr\u00ean th\u1ef1c t\u1ebf, lo\u1ea1i b\u1ea3o hi\u1ec3m chi ph\u00ed y t\u1ebf d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i \u0111\u01b0\u1ee3c l\u1ef1a ch\u1ecdn ph\u1ed5 bi\u1ebfn nh\u1ea5t l\u00e0 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n, \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf d\u00e0nh cho nh\u1eefng ng\u01b0\u1eddi l\u01b0u tr\u00fa t\u1ea1m th\u1eddi t\u1ea1i Ba Lan. Lo\u1ea1i gi\u1ea5y t\u1edd b\u1ea3o hi\u1ec3m n\u00e0y c\u00f3 th\u1ec3 \u1edf d\u1ea1ng h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, ch\u1ee9ng ch\u1ec9 ho\u1eb7c c\u00e1c h\u00ecnh th\u1ee9c x\u00e1c nh\u1eadn kh\u00e1c v\u1ec1 vi\u1ec7c k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng. C\u0169ng c\u1ea7n l\u01b0u \u00fd r\u1eb1ng c\u00e1c quy \u0111\u1ecbnh chi ti\u1ebft v\u1ec1 ph\u1ea1m vi b\u1ea3o hi\u1ec3m lu\u00f4n \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU), ch\u1ee9 kh\u00f4ng ch\u1ec9 d\u1ef1a tr\u00ean qu\u1ea3ng c\u00e1o s\u1ea3n ph\u1ea9m. B\u1ea1n c\u0169ng c\u00f3 th\u1ec3 t\u00ecm th\u1ea5y th\u00f4ng tin chi ti\u1ebft v\u1ec1 ch\u1ee7 \u0111\u1ec1 n\u00e0y 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<p>Tr\u00ean th\u1ecb tr\u01b0\u1eddng hi\u1ec7n c\u00f3 c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf ri\u00eang cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i trong th\u1eddi gian l\u01b0u tr\u00fa t\u1ea1i Ba Lan. Theo c\u00e1c \u0111i\u1ec1u kho\u1ea3n hi\u1ec7n c\u00f3, c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m n\u00e0y th\u01b0\u1eddng bao g\u1ed3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb c\u00e1c bi\u1ebfn ch\u1ee9ng do b\u1ec7nh \u0111\u1ed9t ng\u1ed9t v\u00e0 tai n\u1ea1n, \u0111\u1ed3ng th\u1eddi th\u01b0\u1eddng bao g\u1ed3m c\u1ea3 d\u1ecbch v\u1ee5 v\u1eadn chuy\u1ec3n y t\u1ebf, \u0111i\u1ec1u tr\u1ecb n\u1ed9i tr\u00fa v\u00e0 c\u00e1c d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3 c\u01a1 b\u1ea3n.<\/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 m\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m m\u00e0 trong v\u0103n b\u1ea3n ghi r\u00f5 th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m, th\u00f4ng tin c\u1ee7a ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i v\u00e0 ph\u1ea1m vi \u0111i\u1ec1u tr\u1ecb t\u1ea1i Ba Lan. \u0110i\u1ec1u n\u00e0y gi\u00fap c\u01a1 quan ch\u1ee9c n\u0103ng d\u1ec5 d\u00e0ng h\u01a1n trong vi\u1ec7c th\u1ea9m \u0111\u1ecbnh c\u00e1c t\u00e0i li\u1ec7u.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"jakie-ubezpieczenie-wybrac\" class=\"kt-adv-heading\">N\u00ean ch\u1ecdn lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0o v\u00e0o n\u0103m 2026?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>N\u1ebfu b\u1ea1n \u0111ang b\u0103n kho\u0103n kh\u00f4ng bi\u1ebft n\u00ean ch\u1ecdn lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0o cho th\u1ebb c\u01b0 tr\u00fa v\u00e0o n\u0103m 2026, c\u00e2u tr\u1ea3 l\u1eddi th\u1ef1c t\u1ebf l\u00e0: lo\u1ea1i b\u1ea3o hi\u1ec3m d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i c\u01b0 tr\u00fa t\u1ea1i Ba Lan v\u00e0 \u0111\u1ea3m b\u1ea3o chi tr\u1ea3 th\u1ef1c t\u1ebf c\u00e1c chi ph\u00ed \u0111i\u1ec1u tr\u1ecb trong su\u1ed1t th\u1eddi gian c\u01b0 tr\u00fa. Gi\u00e1 r\u1ebb kh\u00f4ng n\u00ean l\u00e0 ti\u00eau ch\u00ed ch\u00ednh. Quan tr\u1ecdng h\u01a1n nhi\u1ec1u l\u00e0 ph\u1ea1m vi quy\u1ec1n l\u1ee3i, m\u1ee9c b\u1ea3o hi\u1ec3m, t\u00e0i li\u1ec7u d\u1ec5 hi\u1ec3u v\u00e0 th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m ph\u1ea3i ph\u00f9 h\u1ee3p v\u1edbi th\u1eddi gian l\u01b0u tr\u00fa d\u1ef1 ki\u1ebfn.<\/p>\n<p>T\u1eeb vi\u1ec7c ph\u00e2n t\u00edch c\u00e1c \u0111i\u1ec1u kho\u1ea3n s\u1ea3n ph\u1ea9m d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i, c\u00f3 th\u1ec3 th\u1ea5y r\u1eb1ng m\u1ee9c b\u1ea3o hi\u1ec3m du l\u1ecbch t\u1ea1i Ba Lan r\u1ea5t \u0111a d\u1ea1ng, v\u00ed d\u1ee5 t\u1eeb 10.000 \u0111\u1ebfn 50.000 euro ho\u1eb7c c\u00e1c m\u1ee9c 30.000 v\u00e0 60.000 euro d\u00e0nh cho chi ph\u00ed \u0111i\u1ec1u tr\u1ecb. \u0110i\u1ec1u n\u00e0y cho th\u1ea5y h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i 2026 kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed9t s\u1ea3n ph\u1ea9m c\u1ed1 \u0111\u1ecbnh duy nh\u1ea5t. C\u1ea7n l\u1ef1a ch\u1ecdn ph\u01b0\u01a1ng \u00e1n ph\u00f9 h\u1ee3p v\u1edbi th\u1eddi gian l\u01b0u tr\u00fa, \u0111\u1ed9 tu\u1ed5i, m\u1ee5c \u0111\u00edch chuy\u1ebfn \u0111i v\u00e0 r\u1ee7i ro s\u1ee9c kh\u1ecfe.<\/p>\n<p>M\u1ed9t g\u00f3i b\u1ea3o hi\u1ec3m t\u1ed1t th\u01b0\u1eddng bao g\u1ed3m chi ph\u00ed kh\u00e1m b\u1ec7nh, \u0111i\u1ec1u tr\u1ecb ngo\u1ea1i tr\u00fa, n\u1eb1m vi\u1ec7n, ph\u1eabu thu\u1eadt, v\u1eadn chuy\u1ec3n y t\u1ebf v\u00e0 th\u01b0\u1eddng l\u00e0 c\u1ea3 d\u1ecbch v\u1ee5 nha khoa c\u1ea5p c\u1ee9u. Ngo\u00e0i ra, m\u1ed9t s\u1ed1 g\u00f3i b\u1ea3o hi\u1ec3m c\u00f2n cho ph\u00e9p m\u1edf r\u1ed9ng ph\u1ea1m vi b\u1ea3o hi\u1ec3m sang b\u1ea3o hi\u1ec3m tai n\u1ea1n (NNW) ho\u1eb7c b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 trong \u0111\u1eddi s\u1ed1ng c\u00e1 nh\u00e2n. B\u1ea1n c\u0169ng c\u00f3 th\u1ec3 t\u00ecm hi\u1ec3u v\u1ec1 c\u01a1 ch\u1ebf ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c gi\u1ea3i ph\u00e1p n\u00e0y trong b\u00e0i vi\u1ebft <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>Nh\u1eefng \u0111\u1eb7c \u0111i\u1ec3m quan tr\u1ecdng nh\u1ea5t c\u1ee7a m\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m t\u1ed1t<\/h3>\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>Th\u1eddi h\u1ea1n b\u1ea3o h\u1ed9:<\/strong> n\u00ean bao g\u1ed3m to\u00e0n b\u1ed9 th\u1eddi gian l\u01b0u tr\u00fa d\u1ef1 ki\u1ebfn ho\u1eb7c th\u1eddi gian cho \u0111\u1ebfn khi \u0111\u01b0\u1ee3c c\u1ea5p m\u1ed9t lo\u1ea1i gi\u1ea5y t\u1edd c\u01b0 tr\u00fa kh\u00e1c.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Ph\u1ea1m vi \u0111i\u1ec1u tr\u1ecb:<\/strong> M\u1ee9c t\u1ed1i thi\u1ec3u l\u00e0 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb b\u1ec7nh \u0111\u1ed9t ng\u1ed9t v\u00e0 h\u1eadu qu\u1ea3 c\u1ee7a tai n\u1ea1n.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Gi\u1ea5y ch\u1ee9ng nh\u1eadn b\u1ea3o hi\u1ec3m:<\/strong> H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ho\u1eb7c gi\u1ea5y ch\u1ee9ng nh\u1eadn ph\u1ea3i r\u00f5 r\u00e0ng v\u00e0 d\u1ec5 d\u00e0ng n\u1ed9p k\u00e8m theo \u0111\u01a1n \u0111\u0103ng k\u00fd.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m:<\/strong> Kh\u00f4ng n\u00ean ch\u1ecdn ph\u01b0\u01a1ng \u00e1n r\u1ebb nh\u1ea5t m\u00e0 kh\u00f4ng ki\u1ec3m tra c\u00e1c gi\u1edbi h\u1ea1n.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>\u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0111i\u1ec1u ki\u1ec7n chung:<\/strong> T\u1ea1i \u0111\u00f3 c\u00f3 c\u00e1c \u0111i\u1ec1u kho\u1ea3n mi\u1ec5n tr\u1eeb tr\u00e1ch nhi\u1ec7m v\u00e0 c\u00e1c \u0111\u1ecbnh ngh\u0129a chi ti\u1ebft v\u1ec1 c\u00e1c quy\u1ec1n l\u1ee3i.<\/span><\/li>\n<\/ul>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"na-co-zwrocic-uwage\" class=\"kt-adv-heading\">C\u1ea7n ch\u00fa \u00fd nh\u1eefng \u0111i\u1ec3m n\u00e0o khi xem x\u00e9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Sai l\u1ea7m ph\u1ed5 bi\u1ebfn nh\u1ea5t l\u00e0 mua h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m m\u00e0 kh\u00f4ng \u0111\u1ecdc k\u1ef9 c\u00e1c \u0111i\u1ec1u kho\u1ea3n. Trong khi \u0111\u00f3, c\u00e1c y\u00eau c\u1ea7u v\u1ec1 th\u1ebb c\u01b0 tr\u00fa kh\u00f4ng ch\u1ec9 li\u00ean quan \u0111\u1ebfn vi\u1ec7c s\u1edf h\u1eefu b\u1ea3o hi\u1ec3m m\u00e0 c\u00f2n li\u00ean quan \u0111\u1ebfn ch\u1ea5t l\u01b0\u1ee3ng c\u1ee7a b\u1ea3o hi\u1ec3m v\u00e0 kh\u1ea3 n\u0103ng ch\u1ee9ng minh ph\u1ea1m vi b\u1ea3o hi\u1ec3m. C\u01a1 quan ch\u1ee9c n\u0103ng c\u00f3 th\u1ec3 ki\u1ec3m tra c\u00e1c ng\u00e0y hi\u1ec7u l\u1ef1c, t\u00ednh ch\u00ednh x\u00e1c c\u1ee7a th\u00f4ng tin c\u00e1 nh\u00e2n, ph\u1ea1m vi l\u00e3nh th\u1ed5 c\u0169ng nh\u01b0 vi\u1ec7c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 th\u1ef1c s\u1ef1 c\u00f3 hi\u1ec7u l\u1ef1c t\u1ea1i Ba Lan hay kh\u00f4ng.<\/p>\n<p>H\u00e3y ki\u1ec3m tra xem h\u1ee3p \u0111\u1ed3ng c\u00f3 bao g\u1ed3m th\u1eddi gian l\u01b0u tr\u00fa tr\u00ean l\u00e3nh th\u1ed5 C\u1ed9ng h\u00f2a Ba Lan hay kh\u00f4ng, ch\u1ee9 kh\u00f4ng ch\u1ec9 gi\u1edbi h\u1ea1n \u1edf chuy\u1ebfn \u0111i qu\u1ed1c t\u1ebf. C\u00e1c \u0111\u1ecbnh ngh\u0129a v\u1ec1 b\u1ec7nh \u0111\u1ed9t ng\u1ed9t, nh\u1eadp vi\u1ec7n v\u00e0 qu\u1ed1c gia c\u01b0 tr\u00fa th\u01b0\u1eddng tr\u00fa c\u0169ng r\u1ea5t quan tr\u1ecdng. Trong c\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) hi\u1ec7n c\u00f3 d\u00e0nh cho c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m n\u01b0\u1edbc ngo\u00e0i, c\u00f3 th\u1ec3 th\u1ea5y r\u1eb1ng ph\u1ea1m vi b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c x\u00e2y d\u1ef1ng ch\u1ee7 y\u1ebfu xoay quanh chi ph\u00ed \u0111i\u1ec1u tr\u1ecb trong th\u1eddi gian l\u01b0u tr\u00fa t\u1ea1i Ba Lan, \u0111i\u1ec1u n\u00e0y \u0111\u1eb7c bi\u1ec7t quan tr\u1ecdng trong qu\u00e1 tr\u00ecnh h\u1ee3p ph\u00e1p h\u00f3a th\u1eddi gian l\u01b0u tr\u00fa.<\/p>\n<p>C\u0169ng c\u1ea7n \u0111\u00e1nh gi\u00e1 kh\u00eda c\u1ea1nh th\u1ef1c ti\u1ec5n khi s\u1eed d\u1ee5ng h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m. M\u1ed9t g\u00f3i b\u1ea3o hi\u1ec3m t\u1ed1t s\u1ebd \u0111\u1ea3m b\u1ea3o vi\u1ec7c s\u1eafp x\u1ebfp \u0111i\u1ec1u tr\u1ecb, \u0111\u01b0\u1eddng d\u00e2y n\u00f3ng kh\u1ea9n c\u1ea5p v\u00e0 kh\u1ea3 n\u0103ng thanh to\u00e1n c\u00e1c d\u1ecbch v\u1ee5 y t\u1ebf m\u00e0 kh\u00f4ng c\u1ea7n d\u00f9ng ti\u1ec1n m\u1eb7t. \u0110i\u1ec1u n\u00e0y gi\u00fap gi\u1ea3m thi\u1ec3u r\u1ee7i ro r\u1eb1ng trong tr\u01b0\u1eddng h\u1ee3p b\u1ecb \u1ed1m, ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i s\u1ebd ph\u1ea3i t\u1ef1 chi tr\u1ea3 chi ph\u00ed y t\u1ebf tr\u01b0\u1edbc. Khi so s\u00e1nh c\u00e1c gi\u1ea3i ph\u00e1p, t\u00e0i li\u1ec7u n\u00e0y c\u0169ng c\u00f3 th\u1ec3 h\u1eefu \u00edch <a href=\"https:\/\/insurance-schengen.pl\/vi\/huong-dan\/the-cu-tru-va-chung-nhan-hop-phap\/the-cu-tru-va-bao-hiem-y-te\/\">Th\u1ebb c\u01b0 tr\u00fa v\u00e0 b\u1ea3o hi\u1ec3m y t\u1ebf<\/a>.<\/p>\n<\/div>\n<div class=\"wp-block-kadence-infobox has-theme-palette-8-background-color has-background\">\n<div class=\"kt-blocks-info-box-link-wrap\">\n<div class=\"kt-infobox-textcontent\">\n<h4 class=\"kt-blocks-info-box-title\">\ud83d\udca1 Quan tr\u1ecdng<\/h4>\n<p class=\"kt-blocks-info-box-text\">Tr\u01b0\u1edbc khi mua, b\u1ea1n kh\u00f4ng ch\u1ec9 n\u00ean so s\u00e1nh gi\u00e1 c\u1ea3 m\u00e0 c\u00f2n c\u1ea3 c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n, c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb v\u00e0 th\u1ee7 t\u1ee5c khai b\u00e1o chi ph\u00ed \u0111i\u1ec1u tr\u1ecb. M\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m gi\u00e1 r\u1ebb nh\u01b0ng ph\u1ea1m vi b\u1ea3o hi\u1ec3m h\u1eb9p c\u00f3 th\u1ec3 kh\u00f4ng ph\u1ea3i l\u00e0 l\u1ef1a ch\u1ecdn t\u1ed1t.<\/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 \u0111\u1ec3 n\u1ed9p \u0111\u01a1n?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Khi n\u1ed9p \u0111\u01a1n xin c\u01b0 tr\u00fa t\u1ea1m th\u1eddi, th\u00f4ng th\u01b0\u1eddng b\u1ea1n c\u1ea7n chu\u1ea9n b\u1ecb t\u00e0i li\u1ec7u x\u00e1c nh\u1eadn vi\u1ec7c c\u00f3 b\u1ea3o hi\u1ec3m. Th\u00f4ng th\u01b0\u1eddng, \u0111\u00f3 l\u00e0 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, gi\u1ea5y ch\u1ee9ng nh\u1eadn ho\u1eb7c t\u00e0i li\u1ec7u kh\u00e1c do c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ea5p. T\u00e0i li\u1ec7u n\u00e0y ph\u1ea3i ghi r\u00f5 h\u1ecd t\u00ean c\u1ee7a ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i, th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m v\u00e0 x\u00e1c nh\u1eadn r\u1eb1ng b\u1ea3o hi\u1ec3m v\u1eabn c\u00f2n hi\u1ec7u l\u1ef1c. Ngo\u00e0i ra, vi\u1ec7c l\u01b0u gi\u1eef \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) c\u00f9ng v\u1edbi bi\u00ean lai x\u00e1c nh\u1eadn \u0111\u00e3 thanh to\u00e1n ph\u00ed b\u1ea3o hi\u1ec3m c\u0169ng l\u00e0 m\u1ed9t th\u00f3i quen t\u1ed1t.<\/p>\n<p>N\u1ebfu b\u1ea1n ch\u1ecdn b\u1ea3o hi\u1ec3m cho th\u1eddi gian l\u01b0u tr\u00fa t\u1ea1m th\u1eddi, h\u00e3y \u0111\u1ea3m b\u1ea3o r\u1eb1ng th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m kh\u00f4ng k\u1ebft th\u00fac tr\u01b0\u1edbc th\u1eddi gian d\u1ef1 ki\u1ebfn \u0111\u1ec3 x\u1eed l\u00fd h\u1ed3 s\u01a1. Tr\u00ean th\u1ef1c t\u1ebf, ng\u01b0\u1eddi n\u1ed9p \u0111\u01a1n th\u01b0\u1eddng mua th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m qu\u00e1 ng\u1eafn. \u0110i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn vi\u1ec7c b\u1ecb y\u00eau c\u1ea7u b\u1ed5 sung h\u1ed3 s\u01a1. V\u1ea5n \u0111\u1ec1 t\u01b0\u01a1ng t\u1ef1 c\u0169ng x\u1ea3y ra khi thay \u0111\u1ed5i c\u01a1 s\u1edf c\u01b0 tr\u00fa, do \u0111\u00f3 b\u1ea1n c\u0169ng n\u00ean t\u00ecm hi\u1ec3u th\u00eam v\u1ec1 ch\u1ee7 \u0111\u1ec1 n\u00e0y <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>.<\/p>\n<p>N\u1ebfu b\u1ea1n mu\u1ed1n gi\u1ea3m thi\u1ec3u r\u1ee7i ro v\u1ec1 c\u00e1c sai s\u00f3t th\u1ee7 t\u1ee5c, h\u00e3y chu\u1ea9n b\u1ecb m\u1ed9t danh s\u00e1ch ki\u1ec3m tra \u0111\u01a1n gi\u1ea3n tr\u01b0\u1edbc khi n\u1ed9p \u0111\u01a1n.<\/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\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ho\u1eb7c ch\u1ee9ng ch\u1ec9:<\/strong> c\u00f3 s\u1ed1 t\u00e0i li\u1ec7u r\u00f5 r\u00e0ng v\u00e0 th\u00f4ng tin c\u1ee7a ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Th\u1eddi h\u1ea1n b\u1ea3o h\u1ed9:<\/strong> ph\u00f9 h\u1ee3p v\u1edbi th\u1eddi gian l\u01b0u tr\u00fa d\u1ef1 ki\u1ebfn t\u1ea1i Ba Lan.<\/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>\u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0111i\u1ec1u ki\u1ec7n chung:<\/strong> r\u1ea5t h\u1eefu \u00edch khi c\u1ea7n x\u00e1c \u0111\u1ecbnh ph\u1ea1m vi c\u00e1c d\u1ecbch v\u1ee5.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>B\u1ea3n d\u1ecbch ho\u1eb7c phi\u00ean b\u1ea3n ti\u1ebfng Ba Lan:<\/strong> N\u00ean chu\u1ea9n b\u1ecb m\u1ed9t t\u00e0i li\u1ec7u d\u1ec5 \u0111\u01b0\u1ee3c c\u01a1 quan ch\u1ee9c n\u0103ng th\u1ea9m \u0111\u1ecbnh.<\/span><\/li>\n<\/ul>\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>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 l\u00e0 lo\u1ea1i bao g\u1ed3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb t\u1ea1i Ba Lan trong su\u1ed1t th\u1eddi gian l\u01b0u tr\u00fa v\u00e0 c\u00f3 gi\u1ea5y t\u1edd r\u00f5 r\u00e0ng \u0111\u1ec3 n\u1ed9p cho c\u01a1 quan ch\u1ee9c n\u0103ng. Tr\u00ean th\u1ef1c t\u1ebf, lo\u1ea1i b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c l\u1ef1a ch\u1ecdn nhi\u1ec1u nh\u1ea5t l\u00e0 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i, c\u00f3 ph\u1ea1m vi b\u1ea3o hi\u1ec3m trong tr\u01b0\u1eddng h\u1ee3p m\u1eafc b\u1ec7nh \u0111\u1ed9t ng\u1ed9t v\u00e0 tai n\u1ea1n b\u1ea5t ng\u1edd.<\/p>\n<h3>B\u1ea3o hi\u1ec3m cho th\u1eddi gian l\u01b0u tr\u00fa t\u1ea1m th\u1eddi c\u00f3 b\u1eaft bu\u1ed9c ph\u1ea3i bao g\u1ed3m to\u00e0n b\u1ed9 th\u1eddi gian l\u01b0u tr\u00fa kh\u00f4ng?<\/h3>\n<p>\u0110\u00fang v\u1eady, \u0111\u00f3 l\u00e0 gi\u1ea3i ph\u00e1p an to\u00e0n nh\u1ea5t. N\u1ebfu th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m k\u1ebft th\u00fac qu\u00e1 s\u1edbm, c\u01a1 quan ch\u1ee9c n\u0103ng c\u00f3 th\u1ec3 y\u00eau c\u1ea7u b\u1ed5 sung h\u1ed3 s\u01a1 ho\u1eb7c \u0111\u1eb7t v\u1ea5n \u0111\u1ec1 v\u1ec1 t\u00ednh li\u00ean t\u1ee5c c\u1ee7a b\u1ea3o hi\u1ec3m y t\u1ebf.<\/p>\n<h3>Nh\u1eefng lo\u1ea1i gi\u1ea5y t\u1edd n\u00e0o ch\u1ee9ng minh vi\u1ec7c c\u01b0 tr\u00fa h\u1ee3p ph\u00e1p v\u00e0 b\u1ea3o hi\u1ec3m?<\/h3>\n<p>Th\u00f4ng th\u01b0\u1eddng, \u0111\u00f3 l\u00e0 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, gi\u1ea5y ch\u1ee9ng nh\u1eadn ho\u1eb7c t\u00e0i li\u1ec7u kh\u00e1c x\u00e1c nh\u1eadn vi\u1ec7c k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m. B\u1ea1n c\u0169ng n\u00ean chu\u1ea9n b\u1ecb s\u1eb5n \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) c\u00f9ng v\u1edbi bi\u00ean lai x\u00e1c nh\u1eadn \u0111\u00e3 thanh to\u00e1n ph\u00ed b\u1ea3o hi\u1ec3m \u0111\u1ec3 c\u00f3 th\u1ec3 ch\u1ee9ng minh ph\u1ea1m vi v\u00e0 th\u1eddi h\u1ea1n hi\u1ec7u l\u1ef1c c\u1ee7a b\u1ea3o hi\u1ec3m khi c\u1ea7n thi\u1ebft.<\/p>\n<h3>Gi\u00e1 b\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i n\u0103m 2026 l\u00e0 bao nhi\u00eau?<\/h3>\n<p>Gi\u00e1 ph\u1ee5 thu\u1ed9c v\u00e0o \u0111\u1ed9 tu\u1ed5i, th\u1eddi gian l\u01b0u tr\u00fa, m\u1ee9c b\u1ea3o hi\u1ec3m v\u00e0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m. C\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m r\u1ebb h\u01a1n c\u00f3 th\u1ec3 c\u00f3 m\u1ee9c b\u1ed3i th\u01b0\u1eddng th\u1ea5p h\u01a1n, do \u0111\u00f3 tr\u01b0\u1edbc khi mua, b\u1ea1n c\u1ea7n ki\u1ec3m tra kh\u00f4ng ch\u1ec9 m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m m\u00e0 c\u00f2n c\u1ea3 gi\u00e1 tr\u1ecb th\u1ef1c t\u1ebf c\u1ee7a ph\u1ea1m vi b\u1ea3o hi\u1ec3m.<\/p>\n<h3>B\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n c\u00f3 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 xin th\u1ebb c\u01b0 tr\u00fa kh\u00f4ng?<\/h3>\n<p>Trong nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p, c\u00e2u tr\u1ea3 l\u1eddi l\u00e0 c\u00f3, mi\u1ec5n l\u00e0 gi\u1ea5y t\u1edd \u0111\u00f3 \u0111\u01b0\u1ee3c c\u1ea5p \u0111\u00fang quy \u0111\u1ecbnh v\u00e0 x\u00e1c nh\u1eadn vi\u1ec7c \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m y t\u1ebf ph\u00f9 h\u1ee3p t\u1ea1i Ba Lan. C\u00e1c y\u1ebfu t\u1ed1 quan tr\u1ecdng bao g\u1ed3m t\u00ednh nh\u1ea5t qu\u00e1n c\u1ee7a th\u00f4ng tin, th\u1eddi h\u1ea1n hi\u1ec7u l\u1ef1c c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 kh\u1ea3 n\u0103ng ch\u1ee9ng minh ph\u1ea1m vi c\u00e1c quy\u1ec1n l\u1ee3i \u0111\u01b0\u1ee3c h\u01b0\u1edfng.<\/p>\n<h3>C\u01a1 quan c\u00f3 th\u1ec3 y\u00eau c\u1ea7u gi\u1ea3i th\u00edch th\u00eam v\u1ec1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m kh\u00f4ng?<\/h3>\n<p>\u0110\u00fang v\u1eady, c\u01a1 quan ch\u1ee9c n\u0103ng c\u00f3 th\u1ec3 y\u00eau c\u1ea7u l\u00e0m r\u00f5 th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m, ph\u1ea1m vi b\u1ea3o hi\u1ec3m ho\u1eb7c x\u00e1c nh\u1eadn vi\u1ec7c \u0111\u00e3 \u0111\u00f3ng ph\u00ed b\u1ea3o hi\u1ec3m. Do \u0111\u00f3, b\u1ea1n n\u00ean l\u01b0u gi\u1eef \u0111\u1ea7y \u0111\u1ee7 h\u1ed3 s\u01a1 v\u00e0 s\u1eed d\u1ee5ng c\u00e1c s\u1ea3n ph\u1ea9m \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf ri\u00eang cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i.<\/p>\n<h3>T\u00f4i c\u00f3 th\u1ec3 tra c\u1ee9u th\u00eam th\u00f4ng tin v\u1ec1 c\u00e1c gi\u1ea5y t\u1edd c\u1ea7n thi\u1ebft \u0111\u1ec3 xin th\u1ebb c\u01b0 tr\u00fa \u1edf \u0111\u00e2u?<\/h3>\n<p>M\u1ed9t \u0111i\u1ec3m kh\u1edfi \u0111\u1ea7u t\u1ed1t l\u00e0 cu\u1ed1n c\u1ea9m nang <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\/\">C\u00e1c t\u00e0i li\u1ec7u v\u00e0 quy \u0111\u1ecbnh v\u1ec1 b\u1ea3o hi\u1ec3m li\u00ean quan \u0111\u1ebfn th\u1ebb c\u01b0 tr\u00fa<\/a>. B\u1ea1n c\u0169ng n\u00ean th\u01b0\u1eddng xuy\u00ean ki\u1ec3m tra th\u00f4ng tin c\u1eadp nh\u1eadt tr\u00ean trang web c\u1ee7a c\u01a1 quan h\u00e0nh ch\u00ednh t\u1ec9nh c\u00f3 th\u1ea9m quy\u1ec1n t\u1ea1i n\u01a1i b\u1ea1n \u0111ang c\u01b0 tr\u00fa.<\/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>N\u00ean ch\u1ecdn lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0o cho th\u1ebb c\u01b0 tr\u00fa v\u00e0o n\u0103m 2026? T\u1ed1t nh\u1ea5t l\u00e0 lo\u1ea1i b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p v\u1edbi th\u1eddi gian c\u01b0 tr\u00fa t\u1ea1m th\u1eddi c\u1ee7a ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i t\u1ea1i Ba Lan, chi tr\u1ea3 c\u00e1c chi ph\u00ed \u0111i\u1ec1u tr\u1ecb th\u1ef1c t\u1ebf v\u00e0 cung c\u1ea5p t\u00e0i li\u1ec7u r\u00f5 r\u00e0ng \u0111\u1ec3 n\u1ed9p cho c\u01a1 quan ch\u1ee9c n\u0103ng. Tr\u01b0\u1edbc khi mua, h\u00e3y ki\u1ec3m tra th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m, ph\u1ea1m vi quy\u1ec1n l\u1ee3i, m\u1ee9c gi\u1edbi h\u1ea1n v\u00e0 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU). Nh\u1edd \u0111\u00f3, b\u1ea1n s\u1ebd d\u1ec5 d\u00e0ng \u0111\u00e1p \u1ee9ng c\u00e1c y\u00eau c\u1ea7u c\u1ee7a th\u1ebb c\u01b0 tr\u00fa v\u00e0 gi\u1ea3m thi\u1ec3u r\u1ee7i ro v\u1ec1 c\u00e1c thi\u1ebfu s\u00f3t v\u1ec1 th\u1ee7 t\u1ee5c. N\u1ebfu b\u1ea1n mu\u1ed1n t\u00ecm gi\u1ea3i ph\u00e1p ph\u00f9 h\u1ee3p, h\u00e3y so s\u00e1nh c\u00e1c l\u1ef1a ch\u1ecdn c\u00f3 s\u1eb5n v\u00e0 ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf ri\u00eang cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i.<\/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 \u0111\u1ea3m b\u1ea3o chi tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb y t\u1ebf t\u1ea1i Ba Lan trong th\u1eddi gian c\u01b0 tr\u00fa h\u1ee3p ph\u00e1p. T\u1ea1i\u2026<\/p>","protected":false},"author":2,"featured_media":3436,"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":[32,21,22,24,30],"class_list":["post-3437","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-karta-pobytu-i-legalizacja","tag-cudzoziemcy-w-polsce","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>Jakie ubezpieczenie do karty pobytu 2026? - Insurance Schengen<\/title>\n<meta name=\"description\" content=\"Sprawd\u017a, jakie ubezpieczenie do karty pobytu wybra\u0107 w 2026 roku i jakie dokumenty przygotowa\u0107 do legalnego pobytu w Polsce.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/insurance-schengen.pl\/vi\/huong-dan\/the-cu-tru-va-chung-nhan-hop-phap\/nen-chon-loai-bao-hiem-nao-cho-the-cu-tru-nam-2026\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Jakie ubezpieczenie do karty pobytu 2026?\" \/>\n<meta property=\"og:description\" content=\"Sprawd\u017a, jakie ubezpieczenie do karty pobytu wybra\u0107 w 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