{"id":3489,"date":"2026-10-29T00:01:41","date_gmt":"2026-10-28T23:01:41","guid":{"rendered":"https:\/\/insurance-schengen.pl\/?p=3489"},"modified":"2026-10-29T00:01:41","modified_gmt":"2026-10-28T23:01:41","slug":"bao-hiem-tu-nhan-hay-bao-hiem-cong-cong-loai-nao-co-loi-hon","status":"publish","type":"post","link":"https:\/\/insurance-schengen.pl\/vi\/poradnik\/ubezpieczenia-dla-cudzoziemcow\/prywatne-czy-publiczne-ubezpieczenie-co-sie-oplaca\/","title":{"rendered":"B\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n hay b\u1ea3o hi\u1ec3m c\u00f4ng c\u1ed9ng \u2013 lo\u1ea1i n\u00e0o c\u00f3 l\u1ee3i h\u01a1n?"},"content":{"rendered":"<p class=\"wp-block-paragraph\">C\u00e2u h\u1ecfi \u201eb\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n hay b\u1ea3o hi\u1ec3m c\u00f4ng?\u201d kh\u00f4ng c\u00f3 m\u1ed9t c\u00e2u tr\u1ea3 l\u1eddi chung n\u00e0o \u00e1p d\u1ee5ng cho t\u1ea5t c\u1ea3 ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i. \u0110i\u1ec1u quan tr\u1ecdng nh\u1ea5t l\u00e0 tr\u01b0\u1edbc ti\u00ean ph\u1ea3i x\u00e1c \u0111\u1ecbnh xem ng\u01b0\u1eddi \u0111\u00f3 c\u00f3 \u0111\u01b0\u1ee3c x\u00e1c nh\u1eadn l\u00e0 \u0111\u01b0\u1ee3c h\u01b0\u1edfng d\u1ecbch v\u1ee5 y t\u1ebf c\u00f4ng hay kh\u00f4ng, d\u1ef1 \u0111\u1ecbnh \u1edf l\u1ea1i Ba Lan trong bao l\u00e2u v\u00e0 m\u1ee5c \u0111\u00edch c\u1ea7n gi\u1ea5y ch\u1ee9ng nh\u1eadn b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec. Ch\u1ec9 sau khi xem x\u00e9t c\u00e1c y\u1ebfu t\u1ed1 n\u00e0y, ng\u01b0\u1eddi ta m\u1edbi c\u00f3 th\u1ec3 \u0111\u00e1nh gi\u00e1 t\u00ednh h\u1ee3p l\u00fd c\u1ee7a vi\u1ec7c l\u1ef1a ch\u1ecdn h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m chi ph\u00ed y t\u1ebf t\u01b0 nh\u00e2n d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i, ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u0169ng nh\u01b0 c\u00e1c h\u1ea1n ch\u1ebf c\u00f3 th\u1ec3 c\u00f3. <strong>Kh\u00f4ng n\u00ean ch\u1ec9 so s\u00e1nh t\u00ean g\u1ecdi c\u1ee7a c\u00e1c gi\u1ea3i ph\u00e1p<\/strong> \u2014 \u0110i\u1ec1u quan tr\u1ecdng l\u00e0 ph\u1ea3i ph\u00e2n t\u00edch t\u00ecnh h\u00ecnh th\u1ef1c t\u1ebf, c\u00e1c t\u00e0i li\u1ec7u v\u00e0 \u0111i\u1ec1u ki\u1ec7n b\u1ea3o hi\u1ec3m. H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n c\u00f3 th\u1ec3 l\u00e0 m\u1ed9t bi\u1ec7n ph\u00e1p b\u1ea3o v\u1ec7 thi\u1ebft th\u1ef1c trong tr\u01b0\u1eddng h\u1ee3p \u0111\u1ed9t ng\u1ed9t m\u1eafc b\u1ec7nh ho\u1eb7c g\u1eb7p tai n\u1ea1n, nh\u01b0ng kh\u00f4ng \u0111\u1ea3m b\u1ea3o s\u1ebd chi tr\u1ea3 to\u00e0n b\u1ed9 c\u00e1c chi ph\u00ed c\u00f3 th\u1ec3 ph\u00e1t sinh. M\u1eb7t kh\u00e1c, vi\u1ec7c ch\u1ec9 c\u00f3 \u00fd \u0111\u1ecbnh s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 y t\u1ebf c\u00f4ng c\u1ed9ng kh\u00f4ng th\u1ec3 thay th\u1ebf cho vi\u1ec7c x\u00e1c nh\u1eadn ch\u00ednh th\u1ee9c v\u1ec1 quy\u1ec1n l\u1ee3i. Gi\u1ea3i ph\u00e1p hi\u1ec7u qu\u1ea3 nh\u1ea5t l\u00e0 gi\u1ea3i ph\u00e1p ph\u00f9 h\u1ee3p ch\u00ednh x\u00e1c v\u1edbi m\u1ee5c \u0111\u00edch l\u01b0u tr\u00fa v\u00e0 kh\u00f4ng \u0111\u1ec3 l\u1ea1i nh\u1eefng l\u1ed7 h\u1ed5ng \u0111\u00e1ng k\u1ec3 trong 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\">M\u1ee5c l\u1ee5c<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><a href=\"#od-czego-zaczac-wybor\">N\u00ean b\u1eaft \u0111\u1ea7u t\u1eeb \u0111\u00e2u khi l\u1ef1a ch\u1ecdn<\/a><\/li>\n\n\n\n<li><a href=\"#co-daje-prywatna-polisa-klc\">Ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n KLC mang l\u1ea1i nh\u1eefng l\u1ee3i \u00edch g\u00ec?<\/a><\/li>\n\n\n\n<li><a href=\"#jak-ocenic-swoja-sytuacje\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 t\u00ecnh h\u00ecnh c\u1ee7a b\u1ea3n th\u00e2n<\/a><\/li>\n\n\n\n<li><a href=\"#co-sprawdzic-przed-zakupem-i-po-zdarzeniu\">Nh\u1eefng \u0111i\u1ec1u c\u1ea7n ki\u1ec3m tra tr\u01b0\u1edbc khi mua v\u00e0 sau khi x\u1ea3y ra s\u1ef1 c\u1ed1<\/a><\/li>\n\n\n\n<li><a href=\"#ktore-rozwiazanie-bedzie-rozsadne\">Gi\u1ea3i ph\u00e1p n\u00e0o s\u1ebd l\u00e0 h\u1ee3p l\u00fd?<\/a><\/li>\n\n\n\n<li><a href=\"#faq\">C\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p<\/a><\/li>\n<\/ol>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"od-czego-zaczac-wybor\">N\u00ean b\u1eaft \u0111\u1ea7u t\u1eeb \u0111\u00e2u khi l\u1ef1a ch\u1ecdn<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc ti\u00ean, ch\u00fang ta h\u00e3y ph\u00e2n bi\u1ec7t ba v\u1ea5n \u0111\u1ec1 sau: vi\u1ec7c b\u1ea3o v\u1ec7 trong th\u1eddi gian l\u01b0u tr\u00fa, gi\u1ea5y t\u1edd c\u1ea7n thi\u1ebft cho th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh v\u00e0 nh\u1eefng t\u00e1c \u0111\u1ed9ng t\u00e0i ch\u00ednh do s\u1ef1 c\u1ed1 b\u1ea5t ng\u1edd g\u00e2y ra. Nh\u1eefng m\u1ee5c ti\u00eau n\u00e0y c\u00f3 th\u1ec3 li\u00ean quan \u0111\u1ebfn nhau, nh\u01b0ng kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed9t. <strong>Gi\u1ea5y t\u1edd ph\u1ea3i ph\u00f9 h\u1ee3p v\u1edbi m\u1ee5c \u0111\u00edch l\u01b0u tr\u00fa<\/strong>, v\u00e0 c\u00e1c bi\u1ec7n ph\u00e1p b\u1ea3o v\u1ec7 c\u1ea7n ph\u1ea3i ph\u00f9 h\u1ee3p v\u1edbi nh\u1eefng ho\u1ea1t \u0111\u1ed9ng th\u1ef1c t\u1ebf m\u00e0 ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i \u0111ang th\u1ef1c hi\u1ec7n t\u1ea1i Ba Lan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu b\u1ea1n c\u00f3 gi\u1ea5y x\u00e1c nh\u1eadn \u0111\u01b0\u1ee3c h\u01b0\u1edfng b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i, h\u00e3y ki\u1ec3m tra xem gi\u1ea5y x\u00e1c nh\u1eadn \u0111\u00f3 c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb khi n\u00e0o v\u00e0 li\u1ec7u n\u00f3 c\u00f3 bao g\u1ed3m to\u00e0n b\u1ed9 th\u1eddi gian l\u01b0u tr\u00fa d\u1ef1 ki\u1ebfn hay kh\u00f4ng. \u0110\u1eebng d\u1ef1a v\u00e0o th\u00f4ng tin mi\u1ec7ng t\u1eeb b\u1ea1n b\u00e8, ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng hay ng\u01b0\u1eddi m\u00f4i gi\u1edbi \u0111\u1ec3 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh. Trong tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng c\u00f3 gi\u1ea5y x\u00e1c nh\u1eadn n\u00e0y ho\u1eb7c c\u1ea7n gi\u1ea5y t\u1edd \u0111\u1ec3 l\u00e0m th\u1ee7 t\u1ee5c xin th\u1ecb th\u1ef1c ho\u1eb7c c\u01b0 tr\u00fa, b\u1ea1n n\u00ean c\u00e2n nh\u1eafc vi\u1ec7c mua 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.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1ed1i v\u1edbi ng\u01b0\u1eddi \u0111ang ho\u00e0n thi\u1ec7n h\u1ed3 s\u01a1, nh\u1eefng th\u00f4ng tin ri\u00eang bi\u1ec7t v\u1ec1 <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\u00e0 <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>. <strong>\u0110\u1eebng mua h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ch\u1ec9 d\u1ef1a tr\u00ean gi\u00e1 c\u1ea3<\/strong>. Tr\u01b0\u1edbc ti\u00ean, h\u00e3y ki\u1ec3m tra th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m, ph\u1ea1m vi \u00e1p d\u1ee5ng, m\u1ee9c b\u1ea3o hi\u1ec3m, c\u00e1c gi\u1edbi h\u1ea1n ph\u1ee5, c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb tr\u00e1ch nhi\u1ec7m v\u00e0 th\u1ee7 t\u1ee5c y\u00eau c\u1ea7u h\u1ed7 tr\u1ee3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u1ed9t y\u1ebfu t\u1ed1 quan tr\u1ecdng kh\u00e1c l\u00e0 li\u1ec7u ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i c\u00f3 th\u1ef1c hi\u1ec7n c\u00f4ng vi\u1ec7c lao \u0111\u1ed9ng ch\u00e2n tay hay kh\u00f4ng. Theo \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) c\u1ee7a Compensa, r\u1ee7i ro li\u00ean quan \u0111\u1ebfn vi\u1ec7c th\u1ef1c hi\u1ec7n c\u00f4ng vi\u1ec7c lao \u0111\u1ed9ng ch\u00e2n tay \u0111\u00f2i h\u1ecfi ph\u1ea3i m\u1edf r\u1ed9ng ph\u1ea1m vi b\u1ea3o hi\u1ec3m v\u00e0 \u0111\u00f3ng th\u00eam ph\u00ed b\u1ea3o hi\u1ec3m. Do \u0111\u00f3, nh\u1eefng ng\u01b0\u1eddi l\u00e0m vi\u1ec7c trong l\u0129nh v\u1ef1c kho b\u00e3i, x\u00e2y d\u1ef1ng ho\u1eb7c s\u1ea3n xu\u1ea5t n\u00ean <strong>ki\u1ec3m tra xem h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ecd c\u00f3 bao g\u1ed3m \u0111i\u1ec1u kho\u1ea3n m\u1edf r\u1ed9ng li\u00ean quan \u0111\u1ebfn c\u00f4ng vi\u1ec7c lao \u0111\u1ed9ng ch\u00e2n tay hay kh\u00f4ng<\/strong>, thay v\u00ec cho r\u1eb1ng g\u00f3i b\u1ea3o hi\u1ec3m c\u01a1 b\u1ea3n l\u00e0 \u0111\u1ee7. Qu\u00fd v\u1ecb c\u00f3 th\u1ec3 t\u00ecm th\u00eam th\u00f4ng tin th\u1ef1c ti\u1ec5n trong t\u00e0i li\u1ec7u v\u1ec1 <a href=\"https:\/\/schengeninsurance.pl\/ubezpieczenie-cudzoziemcow-do-wizy-krajowej\/\" target=\"_blank\" rel=\"noopener noreferrer\">b\u1ea3o v\u1ec7 ng\u01b0\u1eddi lao \u0111\u1ed9ng n\u01b0\u1edbc ngo\u00e0i<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"co-daje-prywatna-polisa-klc\">Ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n KLC mang l\u1ea1i nh\u1eefng l\u1ee3i \u00edch g\u00ec?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i c\u00f3 ph\u1ea1m vi b\u1ea3o hi\u1ec3m, th\u1eddi h\u1ea1n hi\u1ec7u l\u1ef1c v\u00e0 gi\u1edbi h\u1ea1n tr\u00e1ch nhi\u1ec7m \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh r\u00f5 r\u00e0ng. \u0110\u00e2y ch\u00ednh l\u00e0 \u01b0u \u0111i\u1ec3m n\u1ed5i b\u1eadt c\u1ee7a lo\u1ea1i h\u1ee3p \u0111\u1ed3ng n\u00e0y: tr\u01b0\u1edbc khi mua, qu\u00fd kh\u00e1ch c\u00f3 th\u1ec3 t\u00ecm hi\u1ec3u c\u00e1c \u0111i\u1ec1u kho\u1ea3n v\u00e0 ki\u1ec3m tra nh\u1eefng tr\u01b0\u1eddng h\u1ee3p n\u00e0o s\u1ebd k\u00edch ho\u1ea1t quy\u1ec1n l\u1ee3i 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>C\u01a1 s\u1edf \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 ph\u1ea3i l\u00e0 c\u00e1c \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) v\u00e0 ch\u00ednh h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u00f3<\/strong>, ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed9t \u0111o\u1ea1n m\u00f4 t\u1ea3 qu\u1ea3ng c\u00e1o t\u00f3m t\u1eaft.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u1ed9t v\u00ed d\u1ee5 \u0111i\u1ec3n h\u00ecnh l\u00e0 g\u00f3i b\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i k\u00e8m d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3 trong th\u1eddi gian l\u01b0u tr\u00fa t\u1ea1i Ba Lan do Compensa cung c\u1ea5p. Theo \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung KLC Compensa 2026, b\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb \u00e1p d\u1ee5ng cho c\u00e1c chi ph\u00ed ph\u00e1t sinh do b\u1ec7nh \u0111\u1ed9t ng\u1ed9t ho\u1eb7c tai n\u1ea1n b\u1ea5t ng\u1edd t\u1ea1i Ba Lan. Trong s\u1ed1 c\u00e1c quy\u1ec1n l\u1ee3i \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh c\u00f3 th\u1ec3 k\u1ec3 \u0111\u1ebfn \u0111i\u1ec1u tr\u1ecb n\u1ed9i tr\u00fa, ph\u1eabu thu\u1eadt v\u00e0 v\u1eadn chuy\u1ec3n y t\u1ebf. <strong>Ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m bao g\u1ed3m c\u00e1c s\u1ef1 c\u1ed1 b\u1ea5t ng\u1edd<\/strong>, v\u00e0 ph\u1ea1m vi c\u1ee5 th\u1ec3 c\u1ee7a n\u00f3 ph\u1ee5 thu\u1ed9c v\u00e0o h\u1ee3p \u0111\u1ed3ng \u0111\u00e3 k\u00fd k\u1ebft.<\/p>\n\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Trong c\u00f9ng m\u1ed9t h\u1ee3p \u0111\u1ed3ng, c\u00e1c kho\u1ea3n chi ph\u00ed y t\u1ebf, h\u1eadu qu\u1ea3 c\u1ee7a tai n\u1ea1n v\u00e0 tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 trong \u0111\u1eddi s\u1ed1ng c\u00e1 nh\u00e2n \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh l\u00e0 c\u00e1c ph\u1ea1m vi b\u1ea3o hi\u1ec3m ri\u00eang bi\u1ec7t. Do \u0111\u00f3, kh\u00f4ng n\u00ean cho r\u1eb1ng vi\u1ec7c l\u1ef1a ch\u1ecdn m\u1ed9t ph\u1ea7n n\u00e0o \u0111\u00f3 s\u1ebd t\u1ef1 \u0111\u1ed9ng bao g\u1ed3m t\u1ea5t c\u1ea3 c\u00e1c ph\u1ea7n c\u00f2n l\u1ea1i. <strong>Ph\u1ea3i ki\u1ec3m tra ri\u00eang bi\u1ec7t b\u1ea3o hi\u1ec3m tai n\u1ea1n lao \u0111\u1ed9ng (NNW) v\u00e0 b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 (OC)<\/strong>, c\u0169ng gi\u1ed1ng nh\u01b0 b\u1ea5t k\u1ef3 ti\u1ec7n \u00edch m\u1edf r\u1ed9ng n\u00e0o.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n kh\u00f4ng \u0111\u1ea3m b\u1ea3o chi tr\u1ea3 to\u00e0n b\u1ed9 chi ph\u00ed \u2013 ph\u1ea1m vi b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh b\u1edfi s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng. M\u1ed7i ng\u01b0\u1eddi c\u00f3 nhu c\u1ea7u tham gia b\u1ea3o hi\u1ec3m n\u00ean ki\u1ec3m tra k\u1ef9 l\u01b0\u1ee1ng c\u00e1c \u0111i\u1ec1u kho\u1ea3n n\u00e0y trong t\u00e0i li\u1ec7u hi\u1ec7n h\u00e0nh c\u1ee7a g\u00f3i b\u1ea3o hi\u1ec3m \u0111\u00e3 ch\u1ecdn. Compensa c\u0169ng l\u01b0u \u00fd r\u1eb1ng c\u00f4ng ty kh\u00f4ng ch\u1ecbu tr\u00e1ch nhi\u1ec7m \u0111\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n l\u1ee3i \u00edch b\u1ecb m\u1ea5t do b\u1ec7nh t\u1eadt ho\u1eb7c tai n\u1ea1n. V\u00ed d\u1ee5, n\u1ebfu vi\u1ec7c nh\u1eadp vi\u1ec7n khi\u1ebfn qu\u00fd v\u1ecb kh\u00f4ng th\u1ec3 \u0111i l\u00e0m ho\u1eb7c th\u1ef1c hi\u1ec7n c\u00e1c ngh\u0129a v\u1ee5 kh\u00e1c, <strong>Thu nh\u1eadp b\u1ecb m\u1ea5t kh\u00f4ng \u0111\u01b0\u1ee3c coi l\u00e0 \u201echi ph\u00ed \u0111i\u1ec1u tr\u1ecb\u201d<\/strong> \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m theo h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m n\u00e0y.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110i\u1ec1u n\u00e0y cho th\u1ea5y s\u1ef1 kh\u00e1c bi\u1ec7t gi\u1eefa s\u1ef1 b\u1ea3o v\u1ec7 th\u1ef1c t\u1ebf v\u00e0 quan ni\u1ec7m ph\u1ed5 bi\u1ebfn r\u1eb1ng \u201eb\u1ea3o hi\u1ec3m s\u1ebd chi tr\u1ea3 cho m\u1ecdi th\u1ee9\u201d. H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 hi\u1ec7u l\u1ef1c d\u1ef1a tr\u00ean c\u00e1c s\u1ef1 ki\u1ec7n, ph\u1ea1m vi, gi\u1edbi h\u1ea1n v\u00e0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb \u0111\u01b0\u1ee3c n\u00eau r\u00f5 trong c\u00e1c t\u00e0i li\u1ec7u. <strong>Vui l\u00f2ng \u0111\u1ecdc k\u1ef9 danh m\u1ee5c \u0111\u1ea7y \u0111\u1ee7 c\u00e1c tr\u01b0\u1eddng h\u1ee3p ngo\u1ea1i l\u1ec7 tr\u01b0\u1edbc khi mua h\u00e0ng<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-ocenic-swoja-sytuacje\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 t\u00ecnh h\u00ecnh c\u1ee7a b\u1ea3n th\u00e2n<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng th\u1ec3 kh\u1eb3ng \u0111\u1ecbnh m\u1ed9t c\u00e1ch kh\u00e1ch quan r\u1eb1ng m\u1ed9t gi\u1ea3i ph\u00e1p n\u00e0o \u0111\u00f3 lu\u00f4n r\u1ebb h\u01a1n hay c\u00f3 l\u1ee3i h\u01a1n. N\u1ebfu kh\u00f4ng c\u00f3 th\u00f4ng tin c\u1ee5 th\u1ec3 v\u1ec1 ho\u00e0n c\u1ea3nh c\u1ee7a t\u1eebng ng\u01b0\u1eddi v\u00e0 m\u1ed9t ph\u00e9p t\u00ednh chi ph\u00ed c\u00f3 th\u1ec3 so s\u00e1nh \u0111\u01b0\u1ee3c, k\u1ebft lu\u1eadn nh\u01b0 v\u1eady ch\u1ec9 l\u00e0 ph\u1ecfng \u0111o\u00e1n. Thay v\u00ec t\u00ecm ki\u1ebfm m\u1ed9t gi\u1ea3i ph\u00e1p \u201cchi\u1ebfn th\u1eafng\u201d chung cho m\u1ecdi tr\u01b0\u1eddng h\u1ee3p, h\u00e3y t\u1ef1 \u0111\u1eb7t ra m\u1ed9t s\u1ed1 c\u00e2u h\u1ecfi sau \u0111\u00e2y.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-masz-potwierdzenie-ochrony-na-caly-pobyt\">B\u1ea1n c\u00f3 gi\u1ea5y x\u00e1c nh\u1eadn b\u1ea3o hi\u1ec3m cho to\u00e0n b\u1ed9 th\u1eddi gian l\u01b0u tr\u00fa kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y ki\u1ec3m tra t\u00e0i li\u1ec7u, ng\u00e0y b\u1eaft \u0111\u1ea7u v\u00e0 ng\u00e0y k\u1ebft th\u00fac th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m. <strong>S\u1ef1 li\u00ean t\u1ee5c trong c\u00f4ng t\u00e1c b\u1ea3o v\u1ec7 l\u00e0 y\u1ebfu t\u1ed1 then ch\u1ed1t<\/strong>, \u0111\u1eb7c bi\u1ec7t l\u00e0 khi th\u1eddi h\u1ea1n hi\u1ec7u l\u1ef1c c\u1ee7a th\u1ecb th\u1ef1c, gi\u1ea5y ph\u00e9p c\u01b0 tr\u00fa ho\u1eb7c h\u1ee3p \u0111\u1ed3ng lao \u0111\u1ed9ng kh\u00f4ng tr\u00f9ng kh\u1edbp v\u1edbi kho\u1ea3ng th\u1eddi gian \u0111\u01b0\u1ee3c n\u00eau trong c\u00e1c t\u00e0i li\u1ec7u. N\u1ebfu t\u00ecnh tr\u1ea1ng c\u01b0 tr\u00fa c\u1ee7a b\u1ea1n s\u1eafp thay \u0111\u1ed5i, h\u00e3y l\u00ean k\u1ebf ho\u1ea1ch \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o c\u00f3 th\u1eddi gian chuy\u1ec3n ti\u1ebfp \u2013 \u0111\u1eebng cho r\u1eb1ng quy\u1ec1n b\u1ea3o v\u1ec7 s\u1ebd t\u1ef1 \u0111\u1ed9ng \u0111\u01b0\u1ee3c gia h\u1ea1n.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"do-czego-potrzebujesz-ubezpieczenia\">B\u1ea1n c\u1ea7n b\u1ea3o hi\u1ec3m \u0111\u1ec3 l\u00e0m g\u00ec?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Quy\u1ebft \u0111\u1ecbnh c\u1ee7a m\u1ed9t ng\u01b0\u1eddi c\u1ea7n gi\u1ea5y t\u1edd \u0111\u1ec3 xin th\u1ecb th\u1ef1c s\u1ebd kh\u00e1c v\u1edbi quy\u1ebft \u0111\u1ecbnh c\u1ee7a ng\u01b0\u1eddi n\u1ed9p \u0111\u01a1n xin gi\u1ea5y ph\u00e9p c\u01b0 tr\u00fa, v\u00e0 l\u1ea1i kh\u00e1c n\u1eefa so v\u1edbi quy\u1ebft \u0111\u1ecbnh c\u1ee7a ng\u01b0\u1eddi lao \u0111\u1ed9ng l\u00e0m c\u00f4ng vi\u1ec7c ch\u00e2n tay. <strong>M\u1ee5c \u0111\u00edch c\u1ee7a t\u00e0i li\u1ec7u c\u1ea7n ph\u1ea3i r\u00f5 r\u00e0ng tr\u01b0\u1edbc khi mua<\/strong>. Trong b\u1ed1i c\u1ea3nh h\u1ee3p ph\u00e1p h\u00f3a t\u00ecnh tr\u1ea1ng c\u01b0 tr\u00fa, b\u1ea1n c\u0169ng n\u00ean \u0111\u1ecdc th\u00eam v\u1ec1 c\u00e1ch v\u1ea5n \u0111\u1ec1 n\u00e0y \u0111\u01b0\u1ee3c tr\u00ecnh b\u00e0y nh\u01b0 th\u1ebf n\u00e0o <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\/\">B\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c khi c\u00f3 th\u1ebb c\u01b0 tr\u00fa<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"jakie-ryzyka-wynikaja-z-codziennej-aktywnosci\">Nh\u1eefng r\u1ee7i ro n\u00e0o ph\u00e1t sinh t\u1eeb c\u00e1c ho\u1ea1t \u0111\u1ed9ng h\u00e0ng ng\u00e0y?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y ghi ch\u00fa xem ng\u01b0\u1eddi \u0111\u00f3 c\u00f3 l\u00e0m vi\u1ec7c ch\u00e2n tay, t\u1eadp th\u1ec3 thao, th\u01b0\u1eddng xuy\u00ean di chuy\u1ec3n hay c\u00f3 c\u00e1c tr\u01b0\u1eddng h\u1ee3p kh\u00e1c c\u1ea7n ki\u1ec3m tra trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) hay kh\u00f4ng. \u0110\u1eebng t\u1ef1 \u00fd m\u1edf r\u1ed9ng ph\u1ea1m vi b\u1ea3o hi\u1ec3m ch\u1ec9 d\u1ef1a tr\u00ean t\u00ean c\u1ee7a g\u00f3i b\u1ea3o hi\u1ec3m. <strong>H\u00e3y so s\u00e1nh t\u1eebng r\u1ee7i ro \u0111\u00e1ng k\u1ec3 v\u1edbi c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 x\u00e1c nh\u1eadn xem li\u1ec7u c\u00f3 c\u1ea7n m\u1edf r\u1ed9ng ph\u1ea1m vi b\u1ea3o hi\u1ec3m hay kh\u00f4ng.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-rozumiesz-granice-swiadczen\">B\u1ea1n c\u00f3 hi\u1ec3u r\u00f5 c\u00e1c gi\u1edbi h\u1ea1n c\u1ee7a c\u00e1c quy\u1ec1n l\u1ee3i kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ch\u1ec9 ri\u00eang m\u1ee9c b\u1ea3o hi\u1ec3m cao th\u00f4i l\u00e0 ch\u01b0a \u0111\u1ee7 \u0111\u1ec3 \u0111\u00e1nh gi\u00e1. C\u1ea7n ph\u1ea3i ki\u1ec3m tra th\u00eam c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5, c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb c\u0169ng nh\u01b0 c\u00e1ch th\u1ee9c kh\u1ea5u tr\u1eeb s\u1ed1 ti\u1ec1n c\u00f2n l\u1ea1i sau khi chi tr\u1ea3, n\u1ebfu c\u00e1c \u0111i\u1ec1u ki\u1ec7n c\u1ee7a s\u1ea3n ph\u1ea9m \u0111\u00f3 quy \u0111\u1ecbnh nh\u01b0 v\u1eady. <strong>T\u1ed5ng v\u00e0 gi\u1edbi h\u1ea1n ph\u1ee5 kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed9t<\/strong>. Kh\u00f4ng \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng c\u00e1c quy \u0111\u1ecbnh t\u1eeb h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m n\u00e0y sang h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m kh\u00e1c.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B\u1ea1n c\u00f3 th\u1ec3 t\u00ecm th\u1ea5y l\u1eddi gi\u1ea3i th\u00edch chi ti\u1ebft h\u01a1n v\u1ec1 c\u00e1c kh\u00e1i ni\u1ec7m c\u01a1 b\u1ea3n trong c\u1ea9m nang v\u1ec1 <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\/\">c\u00e1c quy \u0111\u1ecbnh v\u1ec1 b\u1ea3o hi\u1ec3m y t\u1ebf d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"co-sprawdzic-przed-zakupem-i-po-zdarzeniu\">Nh\u1eefng \u0111i\u1ec1u c\u1ea7n ki\u1ec3m tra tr\u01b0\u1edbc khi mua v\u00e0 sau khi x\u1ea3y ra s\u1ef1 c\u1ed1<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc khi k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng, h\u00e3y chu\u1ea9n b\u1ecb m\u1ed9t danh s\u00e1ch ki\u1ec3m tra ng\u1eafn g\u1ecdn. Nh\u1edd \u0111\u00f3, b\u1ea1n s\u1ebd d\u1ec5 d\u00e0ng nh\u1eadn ra s\u1ef1 kh\u00e1c bi\u1ec7t gi\u1eefa nhu c\u1ea7u c\u1ee7a ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i v\u00e0 ph\u1ea1m vi th\u1ef1c t\u1ebf c\u1ee7a ph\u01b0\u01a1ng \u00e1n \u0111\u00e3 ch\u1ecdn.<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items473d3813-checklist:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items473d3813-checklist ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items473d3813-checklist ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items473d3813-checklist .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-items473d3813-checklist ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items473d3813-checklist ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-items473d3813-checklist ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-items473d3813-checklist .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-items473d3813-checklist ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items473d3813-checklist .kb-svg-icon-wrap{font-size:20px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items473d3813-checklist kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop kt-tablet-svg-icon-list-columns-1 kt-mobile-svg-icon-list-columns-1\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-473d3813-item-1 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-473d3813-item-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-473d3813-item-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>Th\u1eddi h\u1ea1n b\u1ea3o h\u1ed9:<\/strong> Th\u1eddi gian l\u01b0u tr\u00fa ph\u1ea3i bao g\u1ed3m th\u1eddi gian c\u1ea7n thi\u1ebft cho chuy\u1ebfn \u0111i.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-473d3813-item-2 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-473d3813-item-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-473d3813-item-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\"><strong>Ph\u1ea1m vi l\u00e3nh th\u1ed5:<\/strong> H\u00e3y ki\u1ec3m tra xem ch\u00ednh x\u00e1c ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m n\u00e0y l\u00e0 g\u00ec.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-473d3813-item-3 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-473d3813-item-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-473d3813-item-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\"><strong>C\u00e1c s\u1ef1 ki\u1ec7n \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m:<\/strong> X\u00e1c minh c\u00e1c tr\u01b0\u1eddng h\u1ee3p \u1ed1m \u0111\u1ed9t ng\u1ed9t, tai n\u1ea1n v\u00e0 nhu c\u1ea7u v\u1eadn chuy\u1ec3n.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-473d3813-item-4 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-473d3813-item-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-473d3813-item-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>T\u1ed5ng s\u1ed1 v\u00e0 c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5:<\/strong> H\u00e3y \u0111\u00e1nh gi\u00e1 t\u1ed5ng th\u1ec3 c\u00e1c kho\u1ea3n n\u00e0y, \u0111\u1eebng ch\u1ec9 nh\u00ecn v\u00e0o con s\u1ed1 ch\u00ednh tr\u00ean h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-473d3813-item-5 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-473d3813-item-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-473d3813-item-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\"><strong>C\u00e1c tr\u01b0\u1eddng h\u1ee3p ngo\u1ea1i l\u1ec7:<\/strong> H\u00e3y \u0111\u1ecdc to\u00e0n b\u1ed9 danh m\u1ee5c trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n hi\u1ec7n h\u00e0nh.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-473d3813-item-6 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-473d3813-item-6 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-473d3813-item-6 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>C\u00e1c ti\u1ec7n \u00edch m\u1edf r\u1ed9ng:<\/strong> X\u00e1c nh\u1eadn, trong s\u1ed1 nh\u1eefng \u0111i\u1ec1u kh\u00e1c, r\u1ee7i ro li\u00ean quan \u0111\u1ebfn lao \u0111\u1ed9ng ch\u00e2n tay, n\u1ebfu \u0111i\u1ec1u n\u00e0y \u00e1p d\u1ee5ng \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-473d3813-item-7 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-473d3813-item-7 .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-473d3813-item-7 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>Quy tr\u00ecnh h\u1ed7 tr\u1ee3:<\/strong> H\u00e3y ghi l\u1ea1i c\u00e1c th\u00f4ng tin c\u1ea7n thi\u1ebft \u0111\u1ec3 l\u00e0m th\u1ee7 t\u1ee5c khi\u1ebfu n\u1ea1i v\u00e0 l\u01b0u gi\u1eef c\u00e1c t\u00e0i li\u1ec7u li\u00ean quan \u0111\u1ebfn h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Sau khi s\u1ef1 c\u1ed1 x\u1ea3y ra, \u0111i\u1ec1u quan tr\u1ecdng l\u00e0 ph\u1ea3i tu\u00e2n th\u1ee7 c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m c\u1ee5 th\u1ec3. Theo \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) c\u1ee7a KLC Compensa 2026, s\u1ef1 c\u1ed1 ph\u1ea3i \u0111\u01b0\u1ee3c th\u00f4ng b\u00e1o trong v\u00f2ng 14 ng\u00e0y k\u1ec3 t\u1eeb ng\u00e0y x\u1ea3y ra tai n\u1ea1n. N\u1ebfu ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m kh\u00f4ng th\u1ec3 th\u1ef1c hi\u1ec7n vi\u1ec7c th\u00f4ng b\u00e1o do tai n\u1ea1n, th\u1eddi h\u1ea1n s\u1ebd \u0111\u01b0\u1ee3c t\u00ednh t\u1eeb th\u1eddi \u0111i\u1ec3m nguy\u00ean nh\u00e2n c\u1ea3n tr\u1edf vi\u1ec7c th\u00f4ng b\u00e1o ch\u1ea5m d\u1ee9t. Ngo\u00e0i ra, c\u1ea7n ph\u1ea3i n\u1ed9p m\u1eabu \u0111\u01a1n \u0111\u00e3 \u0111i\u1ec1n \u0111\u1ea7y \u0111\u1ee7, c\u00e1c t\u00e0i li\u1ec7u c\u1ea7n thi\u1ebft v\u00e0 b\u1ea3o qu\u1ea3n c\u00e1c b\u1eb1ng ch\u1ee9ng li\u00ean quan \u0111\u1ebfn s\u1ef1 c\u1ed1.<\/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>Th\u1eddi h\u1ea1n 14 ng\u00e0y ch\u1ec9 \u00e1p d\u1ee5ng cho s\u1ea3n ph\u1ea9m n\u00e0y<\/strong>, do \u0111\u00f3 kh\u00f4ng n\u00ean t\u1ef1 \u0111\u1ed9ng \u00e1p d\u1ee5ng quy \u0111\u1ecbnh n\u00e0y cho c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m kh\u00e1c.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u00ean th\u1ef1c t\u1ebf, b\u1ea1n n\u00ean c\u1ea5t gi\u1eef h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c t\u00e0i li\u1ec7u li\u00ean quan \u1edf n\u01a1i m\u00e0 ng\u01b0\u1eddi th\u00e2n c\u1ee7a b\u1ea1n c\u0169ng c\u00f3 th\u1ec3 ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c. Sau khi x\u1ea3y ra s\u1ef1 c\u1ed1 \u0111\u1ed9t ng\u1ed9t, \u0111\u1eebng ch\u1edd \u0111\u1ebfn khi k\u1ebft th\u00fac qu\u00e1 tr\u00ecnh \u0111i\u1ec1u tr\u1ecb m\u1edbi \u0111\u1ecdc quy tr\u00ecnh l\u1ea7n \u0111\u1ea7u ti\u00ean. <strong>H\u00e3y xem tr\u01b0\u1edbc h\u01b0\u1edbng d\u1eabn c\u00e1ch \u0111\u0103ng k\u00fd<\/strong>, v\u00e0 sau khi s\u1ef1 c\u1ed1 x\u1ea3y ra, h\u00e3y th\u1ef1c hi\u1ec7n theo c\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m hi\u1ec7n h\u00e0nh c\u0169ng nh\u01b0 h\u01b0\u1edbng d\u1eabn c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"ktore-rozwiazanie-bedzie-rozsadne\">Gi\u1ea3i ph\u00e1p n\u00e0o s\u1ebd l\u00e0 h\u1ee3p l\u00fd?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">M\u1ed9t l\u1ef1a ch\u1ecdn h\u1ee3p l\u00fd b\u1eaft \u0111\u1ea7u t\u1eeb c\u00e1c s\u1ef1 ki\u1ec7n th\u1ef1c t\u1ebf, ch\u1ee9 kh\u00f4ng ph\u1ea3i t\u1eeb c\u00e1c thu\u1eadt ng\u1eef \u201et\u01b0 nh\u00e2n\u201d hay \u201ec\u00f4ng c\u1ed9ng\u201d. N\u1ebfu b\u1ea1n \u0111\u00e3 c\u00f3 gi\u1ea5y x\u00e1c nh\u1eadn b\u1ea3o hi\u1ec3m c\u00f4ng c\u1ed9ng cho to\u00e0n b\u1ed9 th\u1eddi gian c\u1ea7n thi\u1ebft, h\u00e3y \u0111\u00e1nh gi\u00e1 xem li\u1ec7u n\u00f3 c\u00f3 \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c m\u1ee5c \u0111\u00edch ch\u1ee9ng minh hay kh\u00f4ng v\u00e0 li\u1ec7u c\u00f2n t\u1ed3n t\u1ea1i nh\u1eefng r\u1ee7i ro n\u00e0o m\u00e0 b\u1ea1n mu\u1ed1n b\u1ea3o hi\u1ec3m ri\u00eang hay kh\u00f4ng. N\u1ebfu kh\u00f4ng c\u00f3 x\u00e1c nh\u1eadn, c\u00f3 kho\u1ea3ng tr\u1ed1ng v\u1ec1 th\u1eddi gian ho\u1eb7c c\u1ea7n gi\u1ea5y t\u1edd \u0111\u1ec3 l\u00e0m th\u1ee7 t\u1ee5c th\u1ecb th\u1ef1c ho\u1eb7c c\u01b0 tr\u00fa, th\u00ec h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n c\u1ee7a KLC c\u00f3 th\u1ec3 l\u00e0 gi\u1ea3i ph\u00e1p ph\u00f9 h\u1ee3p.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1eebng coi c\u1ea3 hai l\u1ef1a ch\u1ecdn n\u00e0y nh\u01b0 nh\u1eefng s\u1ea3n ph\u1ea9m gi\u1ed1ng h\u1ec7t nhau. H\u00e3y so s\u00e1nh th\u1eddi h\u1ea1n, m\u1ee5c \u0111\u00edch v\u00e0 c\u00e1c quy\u1ec1n l\u1ee3i \u0111\u00e3 \u0111\u01b0\u1ee3c x\u00e1c nh\u1eadn; \u0111\u1ed1i v\u1edbi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n, h\u00e3y so s\u00e1nh th\u00eam c\u1ea3 m\u1ee9c b\u1ea3o hi\u1ec3m, c\u00e1c gi\u1edbi h\u1ea1n ph\u1ee5, c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb, th\u1ee7 t\u1ee5c v\u00e0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n m\u1edf r\u1ed9ng b\u1eaft bu\u1ed9c. \u0110i\u1ec1u n\u00e0y s\u1ebd gi\u00fap tr\u00e1nh c\u1ea3 vi\u1ec7c mua b\u1ea3o hi\u1ec3m kh\u00f4ng c\u1ea7n thi\u1ebft l\u1eabn vi\u1ec7c \u0111\u1ec3 ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 ph\u00f9 h\u1ee3p v\u1edbi ho\u00e0n c\u1ea3nh c\u1ee7a h\u1ecd.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu b\u1ea1n c\u1ea7n h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m KLC cho tr\u01b0\u1eddng h\u1ee3p \u1ed1m \u0111\u1ed9t ng\u1ed9t ho\u1eb7c tai n\u1ea1n b\u1ea5t ng\u1edd t\u1ea1i Ba Lan, h\u00e3y truy c\u1eadp v\u00e0o bi\u1ec3u m\u1eabu s\u1ea3n ph\u1ea9m \u0111\u00e3 \u0111\u01b0\u1ee3c x\u00e1c minh v\u00e0 ch\u1ecdn th\u1eddi h\u1ea1n c\u0169ng nh\u01b0 g\u00f3i b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p v\u1edbi ho\u00e0n c\u1ea3nh c\u1ee7a b\u1ea1n.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/insurance-schengen.pl\/vi\/chi-phi-dieu-tri-cho-nguoi-nuoc-ngoai-klc\/\">MUA H\u1ee2P \u0110\u1ed2NG B\u1ea2O HI\u1ec2M KLC TR\u1ef0C TUY\u1ebeN<\/a><\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc khi thanh to\u00e1n ph\u00ed b\u1ea3o hi\u1ec3m, h\u00e3y \u0111\u1ecdc k\u1ef9 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) v\u00e0 ki\u1ec3m tra l\u1ea1i t\u1ea5t c\u1ea3 th\u00f4ng tin tr\u00ean h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m. Vi\u1ec7c mua b\u1ea3o hi\u1ec3m tr\u1ef1c tuy\u1ebfn kh\u00f4ng mi\u1ec5n tr\u1eeb ngh\u0129a v\u1ee5 \u0111\u00e1nh gi\u00e1 ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u0169ng nh\u01b0 cung c\u1ea5p th\u00f4ng tin ch\u00ednh x\u00e1c.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"faq\">C\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p<\/h2>\n\n\n\n<div class=\"wp-block-group has-theme-palette-8-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n\n<h3 class=\"wp-block-heading\" id=\"czy-prywatna-polisa-jest-zawsze-bardziej-oplacalna\">Li\u1ec7u h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n c\u00f3 ph\u1ea3i l\u00fac n\u00e0o c\u0169ng mang l\u1ea1i l\u1ee3i \u00edch kinh t\u1ebf h\u01a1n kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng. N\u1ebfu kh\u00f4ng c\u00f3 th\u00f4ng tin c\u1ee5 th\u1ec3 v\u1ec1 t\u00ecnh hu\u1ed1ng c\u1ee7a t\u1eebng c\u00e1 nh\u00e2n, c\u00e1c quy\u1ec1n l\u1ee3i \u0111\u00e3 \u0111\u01b0\u1ee3c x\u00e1c nh\u1eadn, th\u1eddi gian l\u01b0u tr\u00fa c\u0169ng nh\u01b0 m\u1ee9c gi\u00e1 t\u01b0\u01a1ng \u0111\u01b0\u01a1ng c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, th\u00ec kh\u00f4ng th\u1ec3 \u0111\u01b0a ra \u0111\u00e1nh gi\u00e1 c\u00f4ng b\u1eb1ng. Tr\u01b0\u1edbc ti\u00ean, c\u1ea7n x\u00e1c \u0111\u1ecbnh nhu c\u1ea7u v\u00e0 nh\u1eefng \u0111i\u1ec3m c\u00f2n thi\u1ebfu s\u00f3t, sau \u0111\u00f3 m\u1edbi so s\u00e1nh chi ph\u00ed.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-polisa-klc-pokrywa-kazdy-wydatek-zwiazany-ze-zdrowiem\">Ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m KLC c\u00f3 chi tr\u1ea3 m\u1ecdi chi ph\u00ed li\u00ean quan \u0111\u1ebfn s\u1ee9c kh\u1ecfe kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">B\u1ea3o hi\u1ec3m c\u00f3 hi\u1ec7u l\u1ef1c trong ph\u1ea1m vi c\u00e1c s\u1ef1 ki\u1ec7n, ph\u1ea1m vi b\u1ea3o hi\u1ec3m, m\u1ee9c b\u1ed3i th\u01b0\u1eddng t\u1ed1i \u0111a, m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5 v\u00e0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng. \u0110\u1ed1i v\u1edbi Compensa, ph\u1ea1m vi chi ph\u00ed \u0111i\u1ec1u tr\u1ecb \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh \u00e1p d\u1ee5ng cho c\u00e1c tr\u01b0\u1eddng h\u1ee3p m\u1eafc b\u1ec7nh \u0111\u1ed9t ng\u1ed9t ho\u1eb7c tai n\u1ea1n b\u1ea5t ng\u1edd x\u1ea3y ra tr\u00ean l\u00e3nh th\u1ed5 Ba Lan.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-nnw-i-oc-sa-automatycznie-czescia-kosztow-leczenia\">B\u1ea3o hi\u1ec3m tai n\u1ea1n (NNW) v\u00e0 b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 (OC) c\u00f3 t\u1ef1 \u0111\u1ed9ng \u0111\u01b0\u1ee3c t\u00ednh v\u00e0o chi ph\u00ed \u0111i\u1ec1u tr\u1ecb kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng n\u00ean gi\u1ea3 \u0111\u1ecbnh \u0111i\u1ec1u n\u00e0y. Trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) c\u1ee7a Compensa, chi ph\u00ed \u0111i\u1ec1u tr\u1ecb, b\u1ea3o hi\u1ec3m tai n\u1ea1n (NNW) v\u00e0 b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 (OC) trong \u0111\u1eddi s\u1ed1ng c\u00e1 nh\u00e2n l\u00e0 c\u00e1c ph\u1ea1m vi b\u1ea3o hi\u1ec3m ri\u00eang bi\u1ec7t. Tr\u01b0\u1edbc khi k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng, h\u00e3y ki\u1ec3m tra k\u1ef9 n\u1ed9i dung c\u1ee7a g\u00f3i b\u1ea3o hi\u1ec3m \u0111\u00e3 ch\u1ecdn.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-praca-fizyczna-wymaga-dodatkowej-ochrony\">C\u00f4ng vi\u1ec7c lao \u0111\u1ed9ng ch\u00e2n tay c\u00f3 c\u1ea7n \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 th\u00eam kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m KLC Compensa 2026, r\u1ee7i ro ph\u00e1t sinh t\u1eeb vi\u1ec7c th\u1ef1c hi\u1ec7n c\u00f4ng vi\u1ec7c lao \u0111\u1ed9ng ch\u00e2n tay y\u00eau c\u1ea7u ph\u1ea3i m\u1edf r\u1ed9ng ph\u1ea1m vi b\u1ea3o hi\u1ec3m v\u00e0 \u0111\u00f3ng th\u00eam ph\u00ed b\u1ea3o hi\u1ec3m. N\u1ebfu b\u1ea1n \u0111ang th\u1ef1c hi\u1ec7n c\u00f4ng vi\u1ec7c n\u00e0y, vui l\u00f2ng x\u00e1c nh\u1eadn vi\u1ec7c m\u1edf r\u1ed9ng ph\u1ea1m vi b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p tr\u01b0\u1edbc khi b\u1ea3o hi\u1ec3m c\u00f3 hi\u1ec7u l\u1ef1c.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"co-zrobic-po-zdarzeniu-objetym-polisa-compensy\">Ph\u1ea3i l\u00e0m g\u00ec sau khi x\u1ea3y ra s\u1ef1 c\u1ed1 \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m theo h\u1ee3p \u0111\u1ed3ng c\u1ee7a Compensa?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Theo \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung (OWU) c\u1ee7a s\u1ea3n ph\u1ea9m n\u00e0y, qu\u00fd kh\u00e1ch vui l\u00f2ng th\u00f4ng b\u00e1o s\u1ef1 c\u1ed1 trong th\u1eddi h\u1ea1n quy \u0111\u1ecbnh, n\u1ed9p m\u1eabu \u0111\u01a1n v\u00e0 c\u00e1c t\u00e0i li\u1ec7u do c\u00f4ng ty b\u1ea3o hi\u1ec3m y\u00eau c\u1ea7u, \u0111\u1ed3ng th\u1eddi b\u1ea3o qu\u1ea3n c\u00e1c b\u1eb1ng ch\u1ee9ng. Trong tr\u01b0\u1eddng h\u1ee3p tai n\u1ea1n khi\u1ebfn qu\u00fd kh\u00e1ch kh\u00f4ng th\u1ec3 th\u1ef1c hi\u1ec7n vi\u1ec7c th\u00f4ng b\u00e1o, s\u1ebd \u00e1p d\u1ee5ng ph\u01b0\u01a1ng th\u1ee9c t\u00ednh th\u1eddi h\u1ea1n ri\u00eang bi\u1ec7t, \u0111\u01b0\u1ee3c m\u00f4 t\u1ea3 trong c\u00e1c \u0111i\u1ec1u kho\u1ea3n.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-dokument-ubezpieczenia-wystarczy-bez-czytania-owu\">Ch\u1ec9 c\u1ea7n c\u00f3 gi\u1ea5y ch\u1ee9ng nh\u1eadn b\u1ea3o hi\u1ec3m m\u00e0 kh\u00f4ng c\u1ea7n \u0111\u1ecdc \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) c\u00f3 \u0111\u1ee7 kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng. Gi\u1ea5y ch\u1ee9ng nh\u1eadn b\u1ea3o hi\u1ec3m x\u00e1c nh\u1eadn vi\u1ec7c k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng, nh\u01b0ng c\u00e1c quy \u0111\u1ecbnh chi ti\u1ebft v\u1ec1 ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u0169ng \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong \u0110i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chung. H\u00e3y gi\u1eef c\u1ea3 hai t\u00e0i li\u1ec7u n\u00e0y v\u00e0 \u0111\u1ea3m b\u1ea3o r\u1eb1ng th\u00f4ng tin c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m v\u00e0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m \u0111\u00e3 ch\u1ecdn \u0111\u1ec1u ch\u00ednh x\u00e1c.<\/p>\n\n<\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>C\u00e2u h\u1ecfi \u201en\u00ean ch\u1ecdn b\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n hay b\u1ea3o hi\u1ec3m c\u00f4ng?\u201d kh\u00f4ng c\u00f3 c\u00e2u tr\u1ea3 l\u1eddi chung n\u00e0o \u00e1p d\u1ee5ng cho t\u1ea5t c\u1ea3 ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i. \u0110i\u1ec1u quan tr\u1ecdng tr\u01b0\u1edbc ti\u00ean l\u00e0 ph\u1ea3i x\u00e1c \u0111\u1ecbnh xem ng\u01b0\u1eddi \u0111\u00f3 c\u00f3\u2026<\/p>","protected":false},"author":1,"featured_media":3488,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[14],"tags":[73,56,72,75,74],"class_list":["post-3489","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ubezpieczenia-dla-cudzoziemcow","tag-co-sie-oplaca-cudzoziemcowi","tag-porownanie-ubezpieczen","tag-prywatne-czy-publiczne-ubezpieczenie","tag-ubezpieczenie-zdrowotne-polska","tag-zus-czy-polisa-prywatna"],"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>Prywatne czy publiczne ubezpieczenie \u2013 co wybra\u0107?<\/title>\n<meta name=\"description\" content=\"Sprawd\u017a, kiedy cudzoziemcowi przydaje si\u0119 prywatna polisa KLC, czym r\u00f3\u017cni si\u0119 od ochrony publicznej i co zweryfikowa\u0107 przed wyborem.\" \/>\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\/bao-hiem-cho-nguoi-nuoc-ngoai\/bao-hiem-tu-nhan-hay-bao-hiem-cong-cong-loai-nao-co-loi-hon\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Prywatne czy publiczne ubezpieczenie \u2013 co wybra\u0107?\" \/>\n<meta property=\"og:description\" content=\"Sprawd\u017a, kiedy 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