{"id":3290,"date":"2026-06-09T13:03:22","date_gmt":"2026-06-09T11:03:22","guid":{"rendered":"https:\/\/medicalinsurance.pl\/nieskategoryzowane\/ubezpieczenie-kosztow-leczenia-a-covid-19\/"},"modified":"2026-09-06T16:48:32","modified_gmt":"2026-09-06T14:48:32","slug":"bao-hiem-chi-phi-dieu-tri-covid-19","status":"publish","type":"post","link":"https:\/\/medicalinsurance.pl\/vi\/poradnik\/koszty-leczenia-cudzoziemca\/ubezpieczenie-kosztow-leczenia-a-covid-19\/","title":{"rendered":"B\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb v\u00e0 COVID-19"},"content":{"rendered":"<div class=\"wp-block-kadence-rowlayout\">\n<div class=\"wp-block-kadence-advancedtext\">\n<p><strong>B\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb<\/strong> \u0110\u00e2y l\u00e0 lo\u1ea1i b\u1ea3o hi\u1ec3m chi tr\u1ea3 c\u00e1c chi ph\u00ed cho d\u1ecbch v\u1ee5 y t\u1ebf c\u1ea7n thi\u1ebft khi b\u1ea1n \u0111ang \u1edf ngo\u00e0i qu\u1ed1c gia th\u01b0\u1eddng tr\u00fa ho\u1eb7c t\u1ea1i m\u1ed9t qu\u1ed1c gia c\u1ee5 th\u1ec3 m\u00e0 b\u1ea1n \u0111ang l\u01b0u tr\u00fa. \u0110\u1ed1i v\u1edbi ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i t\u1ea1i Ba Lan, c\u00e2u tr\u1ea3 l\u1eddi cho c\u00e2u h\u1ecfi tr\u00ean l\u00e0: c\u00f3, COVID-19 c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, nh\u01b0ng ch\u1ec9 khi ph\u1ea1m vi b\u1ea3o hi\u1ec3m v\u00e0 \u0110i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chung (OWU) quy \u0111\u1ecbnh r\u00f5 r\u00e0ng \u0111i\u1ec1u n\u00e0y. Tr\u00ean th\u1ef1c t\u1ebf, kh\u00f4ng ph\u1ea3i m\u1ecdi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u1ec1u ho\u1ea1t \u0111\u1ed9ng theo c\u00f9ng m\u1ed9t c\u00e1ch. Trong b\u00e0i vi\u1ebft n\u00e0y, ch\u00fang t\u00f4i s\u1ebd gi\u1ea3i th\u00edch khi n\u00e0o b\u1ea3o hi\u1ec3m bao g\u1ed3m b\u1ec7nh COVID-19, nh\u1eefng chi ph\u00ed n\u00e0o c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c chi tr\u1ea3, nh\u1eefng h\u1ea1n ch\u1ebf n\u00e0o c\u00f3 th\u1ec3 x\u1ea3y ra v\u00e0 c\u00e1ch \u0111\u1ecdc c\u00e1c \u0111i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chi ph\u00ed y t\u1ebf tr\u01b0\u1edbc khi mua.<\/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-klc\">B\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb l\u00e0 g\u00ec?<\/a><\/li>\n<li><a href=\"#czy-polisy-obejmuja-covid\">C\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 bao g\u1ed3m COVID-19 kh\u00f4ng?<\/a><\/li>\n<li><a href=\"#jaki-zakres-ma-ochrona\">Ph\u1ea1m vi b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec?<\/a><\/li>\n<li><a href=\"#na-co-uwazac-przed-zakupem\">C\u1ea7n l\u01b0u \u00fd nh\u1eefng g\u00ec tr\u01b0\u1edbc khi mua?<\/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-klc\" class=\"kt-adv-heading\">B\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb l\u00e0 g\u00ec?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>B\u1ea3o hi\u1ec3m chi ph\u00ed y t\u1ebf d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i l\u00e0 s\u1ea3n ph\u1ea9m d\u00e0nh cho nh\u1eefng ng\u01b0\u1eddi \u0111ang c\u01b0 tr\u00fa t\u1ea1i Ba Lan v\u00e0 mong mu\u1ed1n b\u1ea3o \u0111\u1ea3m chi ph\u00ed cho c\u00e1c d\u1ecbch v\u1ee5 y t\u1ebf c\u1ea7n thi\u1ebft. H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m n\u00e0y c\u00f3 th\u1ec3 bao g\u1ed3m \u0111i\u1ec1u tr\u1ecb ngo\u1ea1i tr\u00fa, n\u1eb1m vi\u1ec7n, ph\u1eabu thu\u1eadt, ch\u1ea9n \u0111o\u00e1n, mua thu\u1ed1c v\u00e0 m\u1ed9t s\u1ed1 d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3 \u0111\u01b0\u1ee3c ch\u1ecdn l\u1ecdc. Ph\u1ea1m vi b\u1ea3o hi\u1ec3m t\u00f9y thu\u1ed9c v\u00e0o t\u1eebng c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ee5 th\u1ec3 v\u00e0 g\u00f3i h\u1ee3p \u0111\u1ed3ng.<\/p>\n<p>Theo ph\u00e2n t\u00edch c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a c\u00e1c s\u1ea3n ph\u1ea9m hi\u1ec7n c\u00f3 tr\u00ean th\u1ecb tr\u01b0\u1eddng, vi\u1ec7c chi tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb li\u00ean quan \u0111\u1ebfn b\u1ec7nh \u0111\u1ed9t ng\u1ed9t ho\u1eb7c tai n\u1ea1n l\u00e0 ti\u00eau chu\u1ea9n chung. Trong m\u1ed9t s\u1ed1 t\u00e0i li\u1ec7u s\u1ea3n ph\u1ea9m, c\u0169ng c\u00f3 quy \u0111\u1ecbnh v\u1ec1 b\u1ea3o hi\u1ec3m \u0111\u1ed1i v\u1edbi c\u00e1c b\u1ec7nh truy\u1ec1n nhi\u1ec5m, bao g\u1ed3m c\u1ea3 COVID-19, n\u1ebfu vi\u1ec7c \u0111i\u1ec1u tr\u1ecb l\u00e0 c\u1ea7n thi\u1ebft v\u1ec1 m\u1eb7t y t\u1ebf. \u0110i\u1ec1u n\u00e0y r\u1ea5t quan tr\u1ecdng \u0111\u1ed1i v\u1edbi nh\u1eefng ng\u01b0\u1eddi c\u00f3 k\u1ebf ho\u1ea1ch l\u01b0u tr\u00fa t\u1ea1m th\u1eddi, h\u1ecdc t\u1eadp, l\u00e0m vi\u1ec7c ho\u1eb7c l\u00e0m th\u1ee7 t\u1ee5c c\u01b0 tr\u00fa t\u1ea1i Ba Lan.<\/p>\n<p>N\u1ebfu b\u1ea1n mu\u1ed1n hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 c\u00e1ch th\u1ee9c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a <a href=\"https:\/\/medicalinsurance.pl\/vi\/chi-phi-dieu-tri-cho-nguoi-nuoc-ngoai-klc\/\">B\u1ea3o hi\u1ec3m KLC<\/a>, b\u1ea1n n\u00ean b\u1eaft \u0111\u1ea7u b\u1eb1ng vi\u1ec7c ki\u1ec3m tra m\u1ee9c b\u1ea3o hi\u1ec3m, ph\u1ea1m vi b\u1ea3o hi\u1ec3m v\u00e0 danh m\u1ee5c c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb. Ch\u00ednh nh\u1eefng y\u1ebfu t\u1ed1 n\u00e0y s\u1ebd quy\u1ebft \u0111\u1ecbnh li\u1ec7u h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 th\u1ef1c s\u1ef1 gi\u00fap \u00edch cho b\u1ea1n khi b\u1ecb \u1ed1m hay kh\u00f4ng.<\/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\">Ch\u1ec9 ri\u00eang c\u1ee5m t\u1eeb \u201eb\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb\u201d kh\u00f4ng \u0111\u1ea3m b\u1ea3o r\u1eb1ng b\u1ea1n s\u1ebd \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 trong m\u1ecdi tr\u01b0\u1eddng h\u1ee3p m\u1eafc COVID-19. H\u00e3y lu\u00f4n ki\u1ec3m tra xem vi\u1ec7c m\u1eafc b\u1ec7nh truy\u1ec1n nhi\u1ec5m c\u00f3 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) hay trong \u0111i\u1ec1u kho\u1ea3n b\u1ed5 sung hay kh\u00f4ng.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"czy-polisy-obejmuja-covid\" class=\"kt-adv-heading\">C\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 bao g\u1ed3m COVID-19 kh\u00f4ng?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>\u0110\u00fang v\u1eady, m\u1ed9t s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 bao g\u1ed3m COVID-19, nh\u01b0ng \u0111\u00e2y kh\u00f4ng ph\u1ea3i l\u00e0 quy t\u1eafc \u00e1p d\u1ee5ng tuy\u1ec7t \u0111\u1ed1i cho m\u1ecdi s\u1ea3n ph\u1ea9m. Trong c\u00e1c t\u00e0i li\u1ec7u c\u1ee7a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m, c\u00f3 th\u1ec3 t\u00ecm th\u1ea5y c\u00e1c \u0111i\u1ec1u kho\u1ea3n ch\u1ec9 ra r\u1eb1ng b\u1ea3o hi\u1ec3m bao g\u1ed3m c\u00e1c chi ph\u00ed \u0111i\u1ec1u tr\u1ecb c\u1ea7n thi\u1ebft v\u1ec1 m\u1eb7t y t\u1ebf li\u00ean quan \u0111\u1ebfn vi\u1ec7c m\u1eafc c\u00e1c b\u1ec7nh truy\u1ec1n nhi\u1ec5m do virus, ch\u1eb3ng h\u1ea1n nh\u01b0 COVID-19 ho\u1eb7c SARS. \u0110i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0 vi\u1ec7c \u0111\u01b0\u1ee3c ch\u1ea9n \u0111o\u00e1n th\u00f4i kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o c\u0169ng \u0111\u1ee7. \u0110i\u1ec1u quan tr\u1ecdng l\u00e0 t\u00ednh ch\u1ea5t c\u1ee7a vi\u1ec7c \u0111i\u1ec1u tr\u1ecb v\u00e0 s\u1ef1 ph\u00f9 h\u1ee3p c\u1ee7a s\u1ef1 ki\u1ec7n v\u1edbi c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a h\u1ee3p \u0111\u1ed3ng.<\/p>\n<p>Tr\u00ean th\u1ef1c t\u1ebf, c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 chi tr\u1ea3 c\u00e1c chi ph\u00ed nh\u1eadp vi\u1ec7n, kh\u00e1m b\u1ec7nh, x\u00e9t nghi\u1ec7m, \u0111i\u1ec1u tr\u1ecb ngo\u1ea1i tr\u00fa, thu\u1ed1c men ho\u1eb7c v\u1eadn chuy\u1ec3n y t\u1ebf, n\u1ebfu nh\u1eefng chi ph\u00ed n\u00e0y l\u00e0 c\u1ea7n thi\u1ebft sau khi b\u1ecb \u1ed1m \u0111\u1ed9t ng\u1ed9t. Trong m\u1ed9t s\u1ed1 g\u00f3i b\u1ea3o hi\u1ec3m, COVID-19 \u0111\u01b0\u1ee3c bao g\u1ed3m trong ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u01a1 b\u1ea3n, trong khi \u1edf nh\u1eefng g\u00f3i kh\u00e1c, n\u00f3 \u0111\u01b0\u1ee3c \u0111\u01b0a v\u00e0o d\u01b0\u1edbi d\u1ea1ng m\u1ed9t \u0111i\u1ec1u kho\u1ea3n ri\u00eang bi\u1ec7t ho\u1eb7c m\u1edf r\u1ed9ng. \u0110\u00f4i khi, ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m c\u0169ng ph\u1ea3i cung c\u1ea5p th\u00eam c\u00e1c t\u00e0i li\u1ec7u x\u00e1c nh\u1eadn t\u00ecnh tr\u1ea1ng s\u1ee9c kh\u1ecfe c\u1ee7a m\u00ecnh.<\/p>\n<p>\u0110\u1ed1i v\u1edbi nh\u1eefng ng\u01b0\u1eddi n\u1ed9p \u0111\u01a1n xin gi\u1ea5y ph\u00e9p c\u01b0 tr\u00fa, t\u00e0i li\u1ec7u v\u1ec1 <a href=\"https:\/\/medicalinsurance.pl\/vi\/cam-nang\/bao-hiem-y-te-kem-theo-the-cu-tru\/nen-chon-loai-bao-hiem-y-te-nao-khi-co-the-cu-tru-tai-ba-lan\/\">b\u1ea3o hi\u1ec3m k\u00e8m theo th\u1ebb c\u01b0 tr\u00fa<\/a>, b\u1edfi v\u00ec kh\u00f4ng ph\u1ea3i m\u1ecdi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 n\u1ed9i dung qu\u1ea3ng c\u00e1o r\u1ea7m r\u1ed9 \u0111\u1ec1u \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c c\u1ea3 c\u00e1c y\u00eau c\u1ea7u v\u1ec1 m\u1eb7t th\u1ee7 t\u1ee5c l\u1eabn th\u1ef1c ti\u1ec5n.<\/p>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"jaki-zakres-ma-ochrona\" class=\"kt-adv-heading\">Ph\u1ea1m vi b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Ph\u1ea1m vi b\u1ea3o hi\u1ec3m \u0111\u1ed1i v\u1edbi COVID-19 ph\u1ee5 thu\u1ed9c v\u00e0o n\u1ed9i dung c\u1ee7a \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU), nh\u01b0ng trong nhi\u1ec1u s\u1ea3n ph\u1ea9m, b\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb bao g\u1ed3m c\u00e1c quy\u1ec1n l\u1ee3i th\u00f4ng th\u01b0\u1eddng d\u00e0nh cho tr\u01b0\u1eddng h\u1ee3p m\u1eafc b\u1ec7nh \u0111\u1ed9t ng\u1ed9t. \u0110\u00f3 c\u00f3 th\u1ec3 l\u00e0 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb n\u1ed9i tr\u00fa v\u00e0 ph\u1eabu thu\u1eadt, ch\u1ea9n \u0111o\u00e1n, c\u00e1c th\u1ee7 thu\u1eadt ngo\u1ea1i tr\u00fa, v\u1eadn chuy\u1ec3n \u0111\u1ebfn c\u01a1 s\u1edf y t\u1ebf, v\u1eadn chuy\u1ec3n gi\u1eefa c\u00e1c c\u01a1 s\u1edf y t\u1ebf, mua thu\u1ed1c, v\u1eadt t\u01b0 y t\u1ebf v\u00e0 m\u1ed9t s\u1ed1 d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3 \u0111\u01b0\u1ee3c ch\u1ec9 \u0111\u1ecbnh. \u0110\u1ed1i v\u1edbi ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i \u0111ang c\u01b0 tr\u00fa t\u1ea1i Ba Lan, \u0111\u00e2y l\u00e0 nh\u1eefng y\u1ebfu t\u1ed1 quan tr\u1ecdng, v\u00ec chi ph\u00ed \u0111i\u1ec1u tr\u1ecb t\u01b0 nh\u00e2n c\u00f3 th\u1ec3 r\u1ea5t cao.<\/p>\n<p>C\u1ea7n l\u01b0u \u00fd r\u1eb1ng m\u1ed9t s\u1ed1 \u0111i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m c\u0169ng bao g\u1ed3m b\u1ea3o hi\u1ec3m cho c\u00e1c \u0111\u1ee3t t\u00e1i ph\u00e1t c\u1ee7a b\u1ec7nh m\u00e3n t\u00ednh ho\u1eb7c d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3 do trung t\u00e2m c\u1ea5p c\u1ee9u cung c\u1ea5p. Tuy nhi\u00ean, th\u01b0\u1eddng c\u00f3 c\u00e1c gi\u1edbi h\u1ea1n \u00e1p d\u1ee5ng \u0111\u1ec3 h\u1ea1n ch\u1ebf tr\u00e1ch nhi\u1ec7m \u0111\u1ed1i v\u1edbi m\u1ed9t s\u1ed1 s\u1ef1 c\u1ed1 c\u1ee5 th\u1ec3 ho\u1eb7c c\u00e1c chi ph\u00ed ph\u00e1t sinh. Do \u0111\u00f3, ng\u01b0\u1eddi tham gia b\u1ea3o hi\u1ec3m kh\u00f4ng ch\u1ec9 n\u00ean ki\u1ec3m tra t\u00ean c\u1ee7a d\u1ecbch v\u1ee5 m\u00e0 c\u00f2n c\u1ea7n xem x\u00e9t m\u1ee9c gi\u1edbi h\u1ea1n v\u00e0 ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n c\u1ee7a d\u1ecbch v\u1ee5 \u0111\u00f3.<\/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>Nh\u1eadp vi\u1ec7n:<\/strong> c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c chi tr\u1ea3 n\u1ebfu l\u00e0 \u0111i\u1ec1u c\u1ea7n thi\u1ebft v\u1ec1 m\u1eb7t y t\u1ebf.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>\u0110i\u1ec1u tr\u1ecb ngo\u1ea1i tr\u00fa:<\/strong> th\u01b0\u1eddng bao g\u1ed3m t\u01b0 v\u1ea5n v\u00e0 c\u00e1c th\u1ee7 thu\u1eadt c\u01a1 b\u1ea3n.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Thu\u1ed1c thu\u1ed1c Thu\u1ed1c thu\u1ed1c<\/strong> Th\u00f4ng th\u01b0\u1eddng, c\u00e1c lo\u1ea1i thu\u1ed1c do b\u00e1c s\u0129 k\u00ea \u0111\u01a1n s\u1ebd \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m chi tr\u1ea3.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>V\u1eadn chuy\u1ec3n v\u1eadn chuy\u1ec3n v\u1eadn chuy\u1ec3n v\u1eadn chuy\u1ec3n v\u00e0 v\u00e0 v<\/strong> c\u00f3 th\u1ec3 bao g\u1ed3m vi\u1ec7c v\u1eadn chuy\u1ec3n \u0111\u1ebfn c\u01a1 s\u1edf v\u00e0 gi\u1eefa c\u00e1c c\u01a1 s\u1edf.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>H\u1ed7 tr\u1ee3:<\/strong> gi\u00fap s\u1eafp x\u1ebfp vi\u1ec7c \u0111i\u1ec1u tr\u1ecb v\u00e0 li\u00ean l\u1ea1c v\u1edbi trung t\u00e2m c\u1ea5p c\u1ee9u.<\/span><\/li>\n<\/ul>\n<\/div>\n<p>N\u1ebfu b\u1ea1n mu\u1ed1n so s\u00e1nh c\u00e1c gi\u1ea3i ph\u00e1p m\u1ed9t c\u00e1ch chi ti\u1ebft h\u01a1n, h\u00e3y \u0111\u1ecdc th\u00eam v\u1ec1 <a href=\"https:\/\/medicalinsurance.pl\/vi\/cam-nang\/bao-hiem-y-te\/bao-hiem-y-te-tu-nhan-co-dang-khong-phan-tich-chi-phi\/\">b\u1ea3o hi\u1ec3m y t\u1ebf t\u01b0 nh\u00e2n<\/a> v\u00e0 t\u00ecm hi\u1ec3u xem n\u00f3 kh\u00e1c v\u1edbi ch\u1ebf \u0111\u1ed9 b\u1ea3o hi\u1ec3m chi ph\u00ed y t\u1ebf d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i nh\u01b0 th\u1ebf n\u00e0o.<\/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\">\u0110i\u1ec1u quan tr\u1ecdng nh\u1ea5t l\u00e0 li\u1ec7u COVID-19 c\u00f3 \u0111\u01b0\u1ee3c coi l\u00e0 tr\u01b0\u1eddng h\u1ee3p c\u1ea5p c\u1ee9u \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m chi tr\u1ea3 hay kh\u00f4ng. H\u00e3y t\u00ecm c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee5 th\u1ec3 v\u1ec1 c\u00e1c b\u1ec7nh truy\u1ec1n nhi\u1ec5m, chi ph\u00ed \u0111i\u1ec1u tr\u1ecb v\u00e0 ngh\u0129a v\u1ee5 li\u00ean h\u1ec7 v\u1edbi trung t\u00e2m c\u1ea5p c\u1ee9u.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"na-co-uwazac-przed-zakupem\" class=\"kt-adv-heading\">C\u1ea7n l\u01b0u \u00fd nh\u1eefng g\u00ec tr\u01b0\u1edbc khi mua?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Tr\u01b0\u1edbc khi mua b\u1ea3o hi\u1ec3m, b\u1ea1n c\u1ea7n ki\u1ec3m tra xem ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u00f3 \u00e1p d\u1ee5ng t\u1ea1i Ba Lan hay kh\u00f4ng, th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m l\u00e0 bao l\u00e2u v\u00e0 li\u1ec7u n\u00f3 c\u00f3 bao g\u1ed3m ch\u00ednh x\u00e1c t\u00ecnh tr\u1ea1ng c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m hay kh\u00f4ng. M\u1ed9t s\u1ed1 s\u1ea3n ph\u1ea9m ch\u1ec9 d\u00e0nh ri\u00eang cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i \u0111ang du l\u1ecbch t\u1ea1i Ba Lan, trong khi nh\u1eefng s\u1ea3n ph\u1ea9m kh\u00e1c \u00e1p d\u1ee5ng cho c\u00e1c chuy\u1ebfn \u0111i n\u01b0\u1edbc ngo\u00e0i. Vi\u1ec7c l\u1ef1a ch\u1ecdn sai g\u00f3i b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn vi\u1ec7c kh\u00f4ng \u0111\u01b0\u1ee3c chi tr\u1ea3 quy\u1ec1n l\u1ee3i d\u00f9 \u0111\u00e3 \u0111\u00f3ng ph\u00ed b\u1ea3o hi\u1ec3m.<\/p>\n<p>Trong c\u00e1c t\u00e0i li\u1ec7u b\u1ea3o hi\u1ec3m c\u0169ng c\u00f3 c\u00e1c \u0111i\u1ec1u kho\u1ea3n lo\u1ea1i tr\u1eeb tr\u00e1ch nhi\u1ec7m. Th\u00f4ng th\u01b0\u1eddng, c\u00e1c chi ph\u00ed \u0111i\u1ec1u tr\u1ecb ph\u00e1t sinh ngo\u00e0i ph\u1ea1m vi l\u00e3nh th\u1ed5 c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, chi ph\u00ed cho ch\u1ebf \u0111\u1ed9 dinh d\u01b0\u1ee1ng \u0111\u1eb7c bi\u1ec7t, \u0111i\u1ec1u tr\u1ecb ph\u1ee5c h\u1ed3i ch\u1ee9c n\u0103ng, \u0111i\u1ec1u tr\u1ecb t\u1ea1i vi\u1ec7n d\u01b0\u1ee1ng b\u1ec7nh, ph\u1eabu thu\u1eadt th\u1ea9m m\u1ef9 ho\u1eb7c c\u00e1c d\u1ecbch v\u1ee5 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n tr\u01b0\u1edbc khi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 hi\u1ec7u l\u1ef1c s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c chi tr\u1ea3. \u0110\u1ed1i v\u1edbi m\u1ed9t s\u1ed1 \u0111i\u1ec1u kho\u1ea3n li\u00ean quan \u0111\u1ebfn COVID-19, c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 y\u00eau c\u1ea7u c\u00e1c t\u00e0i li\u1ec7u b\u1ed5 sung, v\u00ed d\u1ee5 nh\u01b0 k\u1ebft qu\u1ea3 x\u00e9t nghi\u1ec7m, x\u00e1c nh\u1eadn ti\u00eam ch\u1ee7ng ho\u1eb7c t\u00e0i li\u1ec7u x\u00e1c nh\u1eadn \u0111\u00e3 t\u1eebng m\u1eafc b\u1ec7nh tr\u01b0\u1edbc \u0111\u00f3, n\u1ebfu y\u00eau c\u1ea7u n\u00e0y xu\u1ea5t ph\u00e1t t\u1eeb c\u00e1c quy \u0111\u1ecbnh v\u1ec1 du l\u1ecbch.<\/p>\n<p>M\u1ed9t b\u01b0\u1edbc \u0111i h\u1ee3p l\u00fd n\u1eefa l\u00e0 so s\u00e1nh c\u00e1c y\u00eau c\u1ea7u v\u1ec1 th\u1ee7 t\u1ee5c \u0111\u1ed1i v\u1edbi c\u00e1c m\u1ee5c \u0111\u00edch l\u01b0u tr\u00fa kh\u00e1c nhau. B\u00e0i vi\u1ebft v\u1ec1 <a href=\"https:\/\/medicalinsurance.pl\/vi\/cam-nang\/bao-hiem-y-te-de-xin-thi-thuc\/\">B\u1ea3o hi\u1ec3m y t\u1ebf \u0111\u1ec3 xin th\u1ecb th\u1ef1c<\/a>, v\u00ec n\u00f3 h\u01b0\u1edbng d\u1eabn c\u00e1ch l\u1ef1a ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p v\u1edbi c\u00e1c gi\u1ea5y t\u1edd v\u00e0 ho\u00e0n c\u1ea3nh th\u1ef1c t\u1ebf c\u1ee7a b\u1ea1n. Tr\u01b0\u1edbc khi k\u00fd h\u1ee3p \u0111\u1ed3ng, h\u00e3y \u0111\u1ecdc k\u1ef9 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung (OWU), b\u1ea3n m\u00f4 t\u1ea3 s\u1ea3n ph\u1ea9m v\u00e0 quy tr\u00ecnh th\u00f4ng b\u00e1o b\u1ed3i th\u01b0\u1eddng.<\/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>B\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i c\u00f3 lu\u00f4n bao g\u1ed3m COVID-19 kh\u00f4ng?<\/h3>\n<p>Kh\u00f4ng, kh\u00f4ng ph\u1ea3i m\u1ecdi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u1ec1u t\u1ef1 \u0111\u1ed9ng bao g\u1ed3m COVID-19. Ph\u1ea1m vi b\u1ea3o hi\u1ec3m ph\u1ee5 thu\u1ed9c v\u00e0o \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung (OWU), ph\u1ea1m vi c\u1ee7a g\u00f3i b\u1ea3o hi\u1ec3m c\u1ee5 th\u1ec3 v\u00e0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n b\u1ed5 sung (n\u1ebfu c\u00f3). Tr\u01b0\u1edbc khi mua, b\u1ea1n c\u1ea7n ki\u1ec3m tra xem c\u00e1c b\u1ec7nh truy\u1ec1n nhi\u1ec5m ho\u1eb7c COVID-19 c\u00f3 \u0111\u01b0\u1ee3c n\u00eau r\u00f5 trong h\u1ee3p \u0111\u1ed3ng hay kh\u00f4ng.<\/p>\n<h3>Ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 chi tr\u1ea3 nh\u1eefng chi ph\u00ed n\u00e0o trong tr\u01b0\u1eddng h\u1ee3p m\u1eafc COVID-19?<\/h3>\n<p>B\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 chi tr\u1ea3 chi ph\u00ed kh\u00e1m b\u1ec7nh, x\u00e9t nghi\u1ec7m, thu\u1ed1c men, \u0111i\u1ec1u tr\u1ecb ngo\u1ea1i tr\u00fa, nh\u1eadp vi\u1ec7n v\u00e0 v\u1eadn chuy\u1ec3n y t\u1ebf. Ph\u1ea1m vi b\u1ea3o hi\u1ec3m lu\u00f4n ph\u1ee5 thu\u1ed9c v\u00e0o c\u00e1c \u0111i\u1ec1u kho\u1ea3n h\u1ee3p \u0111\u1ed3ng v\u00e0 m\u1ee9c gi\u1edbi h\u1ea1n tr\u00e1ch nhi\u1ec7m. Th\u00f4ng th\u01b0\u1eddng, ch\u1ec9 nh\u1eefng d\u1ecbch v\u1ee5 y t\u1ebf c\u1ea7n thi\u1ebft m\u1edbi \u0111\u01b0\u1ee3c chi tr\u1ea3.<\/p>\n<h3>Ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i c\u00f3 c\u1ea7n ph\u1ea3i c\u00f3 th\u00eam gi\u1ea5y t\u1edd khi y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng li\u00ean quan \u0111\u1ebfn COVID-19 kh\u00f4ng?<\/h3>\n<p>\u0110\u00f4i khi l\u00e0 nh\u01b0 v\u1eady. M\u1ed9t s\u1ed1 c\u00f4ng ty b\u1ea3o hi\u1ec3m y\u00eau c\u1ea7u c\u00e1c t\u00e0i li\u1ec7u nh\u01b0 k\u1ebft qu\u1ea3 x\u00e9t nghi\u1ec7m, gi\u1ea5y x\u00e1c nh\u1eadn ti\u00eam ch\u1ee7ng ho\u1eb7c gi\u1ea5y ch\u1ee9ng nh\u1eadn \u0111\u00e3 t\u1eebng m\u1eafc b\u1ec7nh, n\u1ebfu \u0111i\u1ec1u \u0111\u00f3 li\u00ean quan \u0111\u1ebfn c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee5 th\u1ec3 trong h\u1ee3p \u0111\u1ed3ng. B\u1ea1n c\u0169ng n\u00ean gi\u1eef l\u1ea1i c\u00e1c h\u00f3a \u0111\u01a1n, phi\u1ebfu theo d\u00f5i \u0111i\u1ec1u tr\u1ecb v\u00e0 c\u00e1c ch\u1ec9 \u0111\u1ecbnh c\u1ee7a b\u00e1c s\u0129.<\/p>\n<h3>B\u1ea3o hi\u1ec3m c\u00f3 chi tr\u1ea3 chi ph\u00ed c\u00e1ch ly kh\u00f4ng?<\/h3>\n<p>Kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o c\u0169ng v\u1eady. B\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb ch\u1ee7 y\u1ebfu \u00e1p d\u1ee5ng cho c\u00e1c d\u1ecbch v\u1ee5 y t\u1ebf, ch\u1ee9 kh\u00f4ng ph\u1ea3i m\u1ecdi chi ph\u00ed t\u1ed5 ch\u1ee9c li\u00ean quan \u0111\u1ebfn vi\u1ec7c c\u00e1ch ly. N\u1ebfu ph\u1ea1m vi b\u1ea3o hi\u1ec3m bao g\u1ed3m c\u00e1c chi ph\u00ed n\u00e0y, \u0111i\u1ec1u \u0111\u00f3 c\u1ea7n \u0111\u01b0\u1ee3c ghi r\u00f5 ri\u00eang trong h\u1ee3p \u0111\u1ed3ng.<\/p>\n<h3>COVID-19 c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c coi l\u00e0 tr\u01b0\u1eddng h\u1ee3p c\u1ea5p c\u1ee9u kh\u00f4ng?<\/h3>\n<p>\u0110\u00fang v\u1eady, trong nhi\u1ec1u s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m, COVID-19 c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c coi l\u00e0 m\u1ed9t tr\u01b0\u1eddng h\u1ee3p b\u1ec7nh t\u1eadt \u0111\u1ed9t ng\u1ed9t n\u1ebfu c\u1ea7n ph\u1ea3i \u0111i\u1ec1u tr\u1ecb ngay l\u1eadp t\u1ee9c. Ch\u00ednh y\u1ebfu t\u1ed1 n\u00e0y th\u01b0\u1eddng l\u00e0 c\u01a1 s\u1edf \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh tr\u00e1ch nhi\u1ec7m c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m. Y\u1ebfu t\u1ed1 then ch\u1ed1t \u1edf \u0111\u00e2y l\u00e0 s\u1ef1 c\u1ea7n thi\u1ebft v\u1ec1 m\u1eb7t y t\u1ebf c\u1ee7a vi\u1ec7c can thi\u1ec7p y t\u1ebf c\u0169ng nh\u01b0 vi\u1ec7c s\u1ef1 ki\u1ec7n \u0111\u00f3 c\u00f3 tu\u00e2n th\u1ee7 c\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) hay kh\u00f4ng.<\/p>\n<h3>Lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0y c\u00f3 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 xin th\u1ebb c\u01b0 tr\u00fa kh\u00f4ng?<\/h3>\n<p>\u0110i\u1ec1u n\u00e0y ph\u1ee5 thu\u1ed9c v\u00e0o c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee5 th\u1ec3 c\u1ee7a h\u1ee3p \u0111\u1ed3ng. H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m kh\u00f4ng ch\u1ec9 ph\u1ea3i \u0111\u00e1p \u1ee9ng c\u00e1c y\u00eau c\u1ea7u v\u1ec1 m\u1eb7t h\u00ecnh th\u1ee9c m\u00e0 c\u00f2n ph\u1ea3i th\u1ef1c s\u1ef1 b\u1ea3o v\u1ec7 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb t\u1ea1i Ba Lan. B\u1ea1n n\u00ean so s\u00e1nh ph\u1ea1m vi b\u1ea3o hi\u1ec3m v\u1edbi c\u00e1c y\u00eau c\u1ea7u c\u1ee7a c\u01a1 quan ch\u1ee9c n\u0103ng c\u0169ng nh\u01b0 c\u00e1c h\u01b0\u1edbng d\u1eabn b\u1ed5 sung tr\u00ean trang web <a href=\"https:\/\/medicalinsurance.pl\/vi\/cam-nang\/chi-phi-dieu-tri-cho-nguoi-nuoc-ngoai\/\">Chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i<\/a>.<\/p>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"podsumowanie\" class=\"kt-adv-heading\">T\u00f3m t\u1eaft<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>B\u1ea3o hi\u1ec3m chi ph\u00ed y t\u1ebf cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i c\u00f3 bao g\u1ed3m COVID-19 kh\u00f4ng? Th\u01b0\u1eddng th\u00ec c\u00f3, nh\u01b0ng ch\u1ec9 khi \u0111i\u1ec1u n\u00e0y \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh r\u00f5 trong ph\u1ea1m vi h\u1ee3p \u0111\u1ed3ng v\u00e0 \u0110i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chung (OWU). Do \u0111\u00f3, tr\u01b0\u1edbc khi mua b\u1ea3o hi\u1ec3m, b\u1ea1n c\u1ea7n ki\u1ec3m tra \u0111\u1ecbnh ngh\u0129a v\u1ec1 \u201cb\u1ec7nh \u0111\u1ed9t ng\u1ed9t\u201d, danh s\u00e1ch c\u00e1c quy\u1ec1n l\u1ee3i, m\u1ee9c gi\u1edbi h\u1ea1n v\u00e0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb tr\u00e1ch nhi\u1ec7m. M\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c l\u1ef1a ch\u1ecdn ph\u00f9 h\u1ee3p s\u1ebd t\u0103ng c\u01b0\u1eddng s\u1ef1 an to\u00e0n cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i t\u1ea1i Ba Lan v\u00e0 gi\u00fap tr\u00e1nh ph\u1ea3i chi tr\u1ea3 c\u00e1c h\u00f3a \u0111\u01a1n y t\u1ebf \u0111\u1eaft \u0111\u1ecf. N\u1ebfu b\u1ea1n mu\u1ed1n ch\u1ecdn b\u1ea3o hi\u1ec3m chi ph\u00ed y t\u1ebf ph\u00f9 h\u1ee3p, h\u00e3y so s\u00e1nh c\u00e1c \u0111i\u1ec1u ki\u1ec7n v\u00e0 ch\u00fa \u00fd \u0111\u1ebfn ph\u1ea1m vi b\u1ea3o hi\u1ec3m th\u1ef1c t\u1ebf, ch\u1ee9 kh\u00f4ng ch\u1ec9 t\u00ean s\u1ea3n ph\u1ea9m.<\/p>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>B\u1ea3o hi\u1ec3m chi ph\u00ed y t\u1ebf l\u00e0 lo\u1ea1i h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m chi tr\u1ea3 c\u00e1c chi ph\u00ed cho c\u00e1c d\u1ecbch v\u1ee5 y t\u1ebf c\u1ea7n thi\u1ebft khi b\u1ea1n \u0111ang \u1edf ngo\u00e0i qu\u1ed1c gia th\u01b0\u1eddng tr\u00fa ho\u1eb7c t\u1ea1i m\u1ed9t \u0111\u1ecba \u0111i\u1ec3m c\u1ee5 th\u1ec3\u2026<\/p>","protected":false},"author":2,"featured_media":3289,"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":[22],"tags":[52,32,50,45,54],"class_list":["post-3290","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-koszty-leczenia-cudzoziemca","tag-klauzule-ubezpieczeniowe","tag-koszty-leczenia-cudzoziemca","tag-suma-ubezpieczenia","tag-ubezpieczenie-do-karty-pobytu","tag-wylaczenia-odpowiedzialnosci"],"acf":[],"yoast_head":"<!-- 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