{"id":3402,"date":"2026-10-19T06:47:45","date_gmt":"2026-10-19T04:47:45","guid":{"rendered":"https:\/\/medicalinsurance.pl\/?p=3402"},"modified":"2026-10-19T06:47:45","modified_gmt":"2026-10-19T04:47:45","slug":"bao-hiem-chi-phi-dieu-tri-cho-nguoi-nuoc-ngoai-nam-2026","status":"publish","type":"post","link":"https:\/\/medicalinsurance.pl\/vi\/poradnik\/koszty-leczenia-cudzoziemca\/ubezpieczenie-kosztow-leczenia-cudzoziemca-2026\/","title":{"rendered":"B\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i n\u0103m 2026"},"content":{"rendered":"<p class=\"wp-block-paragraph\">B\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i nh\u1eb1m m\u1ee5c \u0111\u00edch cung c\u1ea5p s\u1ef1 h\u1ed7 tr\u1ee3 trong c\u00e1c tr\u01b0\u1eddng h\u1ee3p b\u1ec7nh t\u1eadt \u0111\u1ed9t ng\u1ed9t ho\u1eb7c tai n\u1ea1n b\u1ea5t ng\u1edd x\u1ea3y ra trong th\u1eddi gian l\u01b0u tr\u00fa t\u1ea1i Ba Lan, khi c\u1ea7n ph\u1ea3i \u0111i\u1ec1u tr\u1ecb ngay l\u1eadp t\u1ee9c. Khi l\u1ef1a ch\u1ecdn h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, kh\u00f4ng n\u00ean ch\u1ec9 d\u1ef1a v\u00e0o t\u00ean g\u1ecdi c\u1ee7a s\u1ea3n ph\u1ea9m. C\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee5 th\u1ec3 c\u1ee7a h\u1ee3p \u0111\u1ed3ng m\u1edbi l\u00e0 y\u1ebfu t\u1ed1 then ch\u1ed1t, ch\u1eb3ng h\u1ea1n nh\u01b0 th\u1eddi h\u1ea1n v\u00e0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m, s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m, c\u00e1c gi\u1edbi h\u1ea1n ph\u1ee5, ph\u1ea1m vi d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3 v\u00e0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb tr\u00e1ch nhi\u1ec7m.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vi\u1ec7c l\u1ef1a ch\u1ecdn m\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p b\u1eaft \u0111\u1ea7u t\u1eeb vi\u1ec7c \u0111i\u1ec1u ch\u1ec9nh h\u1ee3p \u0111\u1ed3ng \u0111\u00f3 cho ph\u00f9 h\u1ee3p v\u1edbi t\u1eebng c\u00e1 nh\u00e2n c\u1ee5 th\u1ec3 v\u00e0 m\u1ee5c \u0111\u00edch mua b\u1ea3o hi\u1ec3m. N\u1ebfu h\u1ee3p \u0111\u1ed3ng n\u00e0y \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng trong m\u1ed9t th\u1ee7 t\u1ee5c xin th\u1ecb th\u1ef1c ho\u1eb7c c\u01b0 tr\u00fa c\u1ee5 th\u1ec3, b\u1ea1n c\u1ea7n ki\u1ec3m tra ri\u00eang c\u00e1c y\u00eau c\u1ea7u \u0111\u01b0\u1ee3c n\u00eau trong tr\u01b0\u1eddng h\u1ee3p \u0111\u00f3. Ch\u1ec9 ri\u00eang t\u00ean g\u1ecdi c\u1ee7a g\u00f3i b\u1ea3o hi\u1ec3m kh\u00f4ng \u0111\u1ea3m b\u1ea3o r\u1eb1ng t\u00e0i li\u1ec7u \u0111\u00f3 s\u1ebd t\u1ef1 \u0111\u1ed9ng \u0111\u01b0\u1ee3c ch\u1ea5p nh\u1eadn. Tr\u01b0\u1edbc khi mua, b\u1ea1n n\u00ean so s\u00e1nh c\u00e1c th\u00f4ng tin \u0111\u00e3 \u0111i\u1ec1n v\u00e0o m\u1eabu \u0111\u01a1n v\u1edbi th\u00f4ng tin tr\u00ean gi\u1ea5y t\u1edd du l\u1ecbch v\u00e0 \u0111\u1ecdc k\u1ef9 c\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m Chung (OWU) hi\u1ec7n h\u00e0nh.<\/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\n<li><a href=\"#jak-dziala-ubezpieczenie-kosztow-leczenia-cudzoziemca\">B\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i ho\u1ea1t \u0111\u1ed9ng nh\u01b0 th\u1ebf n\u00e0o<\/a><\/li>\n\n\n<li><a href=\"#jak-czytac-zakres-ochrony\">C\u00e1ch \u0111\u1ecdc ph\u1ea1m vi b\u1ea3o hi\u1ec3m<\/a><\/li>\n\n\n<li><a href=\"#co-sprawdzic-przed-zakupem-polisy\">Nh\u1eefng \u0111i\u1ec1u c\u1ea7n ki\u1ec3m tra tr\u01b0\u1edbc khi mua h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/a><\/li>\n\n\n<li><a href=\"#wylaczenia-ktorych-nie-wolno-pomijac\">C\u00e1c tr\u01b0\u1eddng h\u1ee3p ngo\u1ea1i l\u1ec7 kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ecf qua<\/a><\/li>\n\n\n<li><a href=\"#co-zrobic-po-zdarzeniu\">Ph\u1ea3i l\u00e0m g\u00ec sau khi s\u1ef1 c\u1ed1 x\u1ea3y ra<\/a><\/li>\n\n\n<li><a href=\"#faq\">C\u00e1c c\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p nh\u1ea5t<\/a><\/li>\n\n<\/ol>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-dziala-ubezpieczenie-kosztow-leczenia-cudzoziemca\">B\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i ho\u1ea1t \u0111\u1ed9ng nh\u01b0 th\u1ebf n\u00e0o<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">KLC kh\u00f4ng ph\u1ea3i l\u00e0 cam k\u1ebft chung v\u1ec1 vi\u1ec7c chi tr\u1ea3 m\u1ecdi chi ph\u00ed li\u00ean quan \u0111\u1ebfn s\u1ee9c kh\u1ecfe. Ph\u1ea1m vi b\u1ea3o hi\u1ec3m th\u1ef1c t\u1ebf c\u1ee7a n\u00f3 ph\u1ee5 thu\u1ed9c v\u00e0o h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, g\u00f3i b\u1ea3o hi\u1ec3m \u0111\u00e3 ch\u1ecdn, c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee5 th\u1ec3 v\u00e0 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung. Do \u0111\u00f3, \u0111i\u1ec1u quan tr\u1ecdng nh\u1ea5t l\u00e0 <strong>b\u1ea3o hi\u1ec3m trong tr\u01b0\u1eddng h\u1ee3p m\u1eafc b\u1ec7nh \u0111\u1ed9t ng\u1ed9t ho\u1eb7c g\u1eb7p tai n\u1ea1n<\/strong>, nh\u01b0ng ch\u1ec9 trong ph\u1ea1m vi c\u1ee7a h\u1ee3p \u0111\u1ed3ng \u0111\u00e3 k\u00fd k\u1ebft.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u1ed9t v\u00ed d\u1ee5 \u0111i\u1ec3n h\u00ecnh l\u00e0 \u0111i\u1ec1u kho\u1ea3n v\u1ec1 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb t\u1ea1i Ba Lan k\u00e8m theo d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3 kh\u1ea9n c\u1ea5p, \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) c\u1ee7a Compensa d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i n\u0103m 2026. Theo \u0111\u00f3, Compensa ch\u1ecbu tr\u00e1ch nhi\u1ec7m chi tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb b\u1ec7nh ho\u1eb7c c\u00e1c di ch\u1ee9ng do tai n\u1ea1n x\u1ea3y ra t\u1ea1i Ba Lan, v\u1edbi \u0111i\u1ec1u ki\u1ec7n vi\u1ec7c \u0111i\u1ec1u tr\u1ecb \u0111\u00f3 l\u00e0 c\u1ea7n thi\u1ebft v\u1ec1 m\u1eb7t y t\u1ebf v\u00e0 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m ph\u1ea3i ti\u1ebfn h\u00e0nh \u0111i\u1ec1u tr\u1ecb ngay l\u1eadp t\u1ee9c trong th\u1eddi gian l\u01b0u tr\u00fa t\u1ea1i Ba Lan. \u0110\u00e2y l\u00e0 ph\u1ea1m vi \u00e1p d\u1ee5ng c\u1ee7a \u0111i\u1ec1u kho\u1ea3n c\u1ee5 th\u1ec3 n\u00e0y, ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 quy t\u1eafc c\u00f3 th\u1ec3 t\u1ef1 \u0111\u1ed9ng \u00e1p d\u1ee5ng cho m\u1ecdi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Trong th\u1ef1c t\u1ebf <strong>H\u00e3y c\u0103n c\u1ee9 v\u00e0o h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m hi\u1ec7n h\u00e0nh v\u00e0 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung (OWU) \u0111\u1ec3 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh<\/strong>. M\u00f4 t\u1ea3 tr\u00ean trang web c\u00f3 th\u1ec3 gi\u00fap b\u1ea1n l\u1ef1a ch\u1ecdn ng\u00e0nh h\u1ecdc, nh\u01b0ng kh\u00f4ng th\u1ec3 thay th\u1ebf cho c\u00e1c v\u0103n b\u1ea3n h\u1ee3p \u0111\u1ed3ng. \u0110\u1ec3 c\u00f3 th\u00eam th\u00f4ng tin chi ti\u1ebft, h\u00e3y tham kh\u1ea3o h\u01b0\u1edbng d\u1eabn ri\u00eang bi\u1ec7t sau \u0111\u00e2y: <a href=\"https:\/\/medicalinsurance.pl\/vi\/cam-nang\/chi-phi-dieu-tri-cho-nguoi-nuoc-ngoai\/chi-phi-dieu-tri-cho-nguoi-nuoc-ngoai-tai-ba-lan-va-bao-hiem\/\">Chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i t\u1ea1i Ba Lan v\u00e0 b\u1ea3o hi\u1ec3m<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-czytac-zakres-ochrony\">C\u00e1ch \u0111\u1ecdc ph\u1ea1m vi b\u1ea3o hi\u1ec3m<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Khi \u0111\u1ecdc c\u00e1c \u0111i\u1ec1u kho\u1ea3n, b\u1ea1n n\u00ean b\u1eaft \u0111\u1ea7u t\u1eeb m\u1ed9t s\u1ed1 \u0111i\u1ec3m ch\u00ednh, nh\u1eefng \u0111i\u1ec3m n\u00e0y s\u1ebd gi\u00fap gi\u1ea3i \u0111\u00e1p c\u00e1c th\u1eafc m\u1eafc kh\u00e1c nhau. <strong>Ph\u1ea1m vi l\u00e3nh th\u1ed5<\/strong> quy \u0111\u1ecbnh khu v\u1ef1c m\u00e0 s\u1ef1 ki\u1ec7n \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m ph\u1ea3i x\u1ea3y ra. <strong>Th\u1eddi h\u1ea1n b\u1ea3o h\u1ed9<\/strong> quy \u0111\u1ecbnh r\u00f5 kho\u1ea3ng th\u1eddi gian m\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m ch\u1ecbu tr\u00e1ch nhi\u1ec7m. C\u00e1c ng\u00e0y th\u00e1ng ph\u1ea3i tr\u00f9ng kh\u1edbp ch\u00ednh x\u00e1c v\u1edbi th\u1eddi gian l\u01b0u tr\u00fa d\u1ef1 ki\u1ebfn, tuy nhi\u00ean kh\u00f4ng n\u00ean cho r\u1eb1ng b\u1ea3o hi\u1ec3m s\u1ebd c\u00f3 hi\u1ec7u l\u1ef1c s\u1edbm h\u01a1n th\u1eddi \u0111i\u1ec3m \u0111\u01b0\u1ee3c n\u00eau trong t\u00e0i li\u1ec7u.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110i\u1ec3m ti\u1ebfp theo l\u00e0 <strong>s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5<\/strong>. \u0110\u1eebng \u0111i\u1ec1n gi\u00e1 tr\u1ecb d\u1ef1 ki\u1ebfn d\u1ef1a tr\u00ean b\u00e0i vi\u1ebft c\u0169 ho\u1eb7c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee7a ng\u01b0\u1eddi kh\u00e1c. H\u00e3y ki\u1ec3m tra gi\u00e1 tr\u1ecb \u0111\u01b0\u1ee3c n\u00eau trong b\u1ea3n \u0111\u1ec1 xu\u1ea5t \u0111ang \u0111\u01b0\u1ee3c so\u1ea1n th\u1ea3o c\u0169ng nh\u01b0 trong c\u00e1c t\u00e0i li\u1ec7u c\u1ee7a h\u1ee3p \u0111\u1ed3ng c\u1ee5 th\u1ec3 \u0111\u00f3. H\u00e3y x\u1eed l\u00fd t\u01b0\u01a1ng t\u1ef1 \u0111\u1ed1i v\u1edbi <strong>ph\u1ea1m vi h\u1ed7 tr\u1ee3<\/strong>: Ch\u1ec9 ri\u00eang vi\u1ec7c t\u1eeb n\u00e0y xu\u1ea5t hi\u1ec7n trong t\u00ean g\u1ecdi v\u1eabn ch\u01b0a \u0111\u1ee7 \u0111\u1ec3 gi\u1ea3i th\u00edch r\u00f5 c\u00e1c d\u1ecbch v\u1ee5 n\u00e0o \u0111ang \u0111\u01b0\u1ee3c cung c\u1ea5p v\u00e0 theo nh\u1eefng quy \u0111\u1ecbnh n\u00e0o.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cu\u1ed1i c\u00f9ng, h\u00e3y \u0111\u1ecdc <strong>mi\u1ec5n tr\u1eeb tr\u00e1ch nhi\u1ec7m<\/strong>. Ch\u00ednh nh\u1eefng \u0111i\u1ec1u kho\u1ea3n n\u00e0y n\u00eau r\u00f5 c\u00e1c tr\u01b0\u1eddng h\u1ee3p m\u00e0 m\u1ed9t s\u1ef1 ki\u1ec7n t\u01b0\u1edfng ch\u1eebng nh\u01b0 t\u01b0\u01a1ng t\u1ef1 s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m. B\u1ea1n c\u0169ng n\u00ean t\u00ecm hi\u1ec3u v\u1ec1 c\u00e1c ngh\u0129a v\u1ee5 sau khi s\u1ef1 ki\u1ec7n x\u1ea3y ra v\u00e0 c\u00e1c quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c n\u1ed9p h\u1ed3 s\u01a1. Vi\u1ec7c xem x\u00e9t t\u1ed5ng quan nh\u01b0 v\u1eady gi\u00fap b\u1ea1n \u0111\u00e1nh gi\u00e1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m m\u1ed9t c\u00e1ch to\u00e0n di\u1ec7n, thay v\u00ec ch\u1ec9 t\u1eadp trung v\u00e0o m\u1ed9t \u0111i\u1ec1u kho\u1ea3n h\u1ea5p d\u1eabn n\u00e0o \u0111\u00f3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu b\u1ea1n mu\u1ed1n s\u1eafp x\u1ebfp c\u00e1c ti\u00eau ch\u00ed l\u1ef1a ch\u1ecdn, h\u00e3y tham kh\u1ea3o th\u00eam h\u01b0\u1edbng d\u1eabn v\u1ec1 <a href=\"https:\/\/medicalinsurance.pl\/vi\/cam-nang\/chi-phi-dieu-tri-cho-nguoi-nuoc-ngoai\/goi-bao-hiem-tot-nhat-danh-cho-nguoi-nuoc-ngoai-nam-2026\/\">L\u1ef1a ch\u1ecdn b\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i v\u00e0o n\u0103m 2026<\/a>. Tuy nhi\u00ean, xin \u0111\u1eebng coi b\u1ea5t k\u1ef3 danh s\u00e1ch n\u00e0o l\u00e0 s\u1ef1 thay th\u1ebf cho \u0111\u1ec1 xu\u1ea5t hi\u1ec7n t\u1ea1i \u0111\u01b0\u1ee3c chu\u1ea9n b\u1ecb ri\u00eang cho m\u1ed9t c\u00e1 nh\u00e2n c\u1ee5 th\u1ec3.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"co-sprawdzic-przed-zakupem-polisy\">Nh\u1eefng \u0111i\u1ec1u c\u1ea7n ki\u1ec3m tra tr\u01b0\u1edbc khi mua h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc ti\u00ean, h\u00e3y x\u00e1c minh danh t\u00ednh c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m. <strong>D\u1eef li\u1ec7u ph\u1ea3i ph\u00f9 h\u1ee3p v\u1edbi t\u00e0i li\u1ec7u<\/strong>, m\u00e0 qu\u00fd v\u1ecb s\u1ebd s\u1eed d\u1ee5ng. M\u1ed9t l\u1ed7i ch\u00ednh t\u1ea3 trong t\u00ean, ng\u00e0y sinh b\u1ecb nh\u1ea7m l\u1eabn ho\u1eb7c s\u1ed1 gi\u1ea5y t\u1edd kh\u00f4ng ch\u00ednh x\u00e1c c\u00f3 th\u1ec3 g\u00e2y kh\u00f3 kh\u0103n khi s\u1eed d\u1ee5ng h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m. Tr\u01b0\u1edbc khi x\u00e1c nh\u1eadn bi\u1ec3u m\u1eabu, h\u00e3y \u0111\u1ecdc l\u1ea1i t\u1ea5t c\u1ea3 c\u00e1c \u00f4 m\u1ed9t l\u1ea7n n\u1eefa.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ti\u1ebfp theo, h\u00e3y th\u1ef1c hi\u1ec7n m\u1ed9t cu\u1ed9c ki\u1ec3m tra nhanh:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items1d8da815-checklist:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items1d8da815-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-items1d8da815-checklist ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items1d8da815-checklist .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-items1d8da815-checklist ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items1d8da815-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-items1d8da815-checklist ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-items1d8da815-checklist .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-items1d8da815-checklist ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items1d8da815-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-items1d8da815-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-1d8da815-checklist-1 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-1d8da815-checklist-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-1d8da815-checklist-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\">ki\u1ec3m tra th\u00f4ng tin ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m v\u00e0 th\u1eddi gian l\u01b0u tr\u00fa;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-1d8da815-checklist-2 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-1d8da815-checklist-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-1d8da815-checklist-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\">so s\u00e1nh ng\u00e0y b\u1eaft \u0111\u1ea7u v\u00e0 ng\u00e0y k\u1ebft th\u00fac th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m v\u1edbi k\u1ebf ho\u1ea1ch l\u01b0u tr\u00fa;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-1d8da815-checklist-3 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-1d8da815-checklist-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-1d8da815-checklist-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\">\u0111\u1ecdc ph\u1ea1m vi l\u00e3nh th\u1ed5;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-1d8da815-checklist-4 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-1d8da815-checklist-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-1d8da815-checklist-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\">ki\u1ec3m tra s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m, c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5 v\u00e0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-1d8da815-checklist-5 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-1d8da815-checklist-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-1d8da815-checklist-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\">X\u00e1c \u0111\u1ecbnh xem nh\u1eefng \u0111i\u1ec1u kho\u1ea3n v\u00e0 d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3 n\u00e0o th\u1ef1c s\u1ef1 \u0111\u01b0\u1ee3c bao g\u1ed3m trong g\u00f3i d\u1ecbch v\u1ee5 \u0111\u00e3 ch\u1ecdn;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-1d8da815-checklist-6 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-1d8da815-checklist-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-1d8da815-checklist-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\">H\u00e3y l\u01b0u gi\u1eef b\u1ea3n sao h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) t\u1ea1i m\u1ed9t n\u01a1i m\u00e0 b\u1ea1n c\u00f3 th\u1ec3 truy c\u1eadp \u0111\u01b0\u1ee3c ngay c\u1ea3 khi kh\u00f4ng \u1edf nh\u00e0.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Trong cu\u1ed9c ki\u1ec3m tra n\u00e0y <strong>H\u00e3y ki\u1ec3m tra t\u1eebng th\u00f4ng s\u1ed1 trong t\u00e0i li\u1ec7u cu\u1ed1i c\u00f9ng<\/strong>, ch\u1ee9 kh\u00f4ng ch\u1ec9 trong ph\u1ea7n m\u00f4 t\u1ea3 s\u01a1 b\u1ed9. N\u1ebfu h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c mua li\u00ean quan \u0111\u1ebfn th\u1ebb c\u01b0 tr\u00fa, m\u1ed9t trang ri\u00eang v\u1ec1 <a href=\"https:\/\/medicalinsurance.pl\/vi\/bao-hiem-kem-theo-the-cu-tru\/\">b\u1ea3o hi\u1ec3m k\u00e8m theo th\u1ebb c\u01b0 tr\u00fa<\/a>. V\u1eabn c\u1ea7n ph\u1ea3i ki\u1ec3m tra ri\u00eang c\u00e1c y\u00eau c\u1ea7u c\u1ee5 th\u1ec3 c\u1ee7a t\u1eebng tr\u01b0\u1eddng h\u1ee3p.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1eebng v\u1ed9i v\u00e0ng l\u1ef1a ch\u1ecdn d\u1ecbch v\u1ee5 b\u1ea3o v\u1ec7 ch\u1ec9 v\u00ec m\u1eabu \u0111\u01a1n c\u00f3 th\u1ec3 \u0111i\u1ec1n nhanh ch\u00f3ng. <strong>\u0110\u1eebng tr\u00ec ho\u00e3n vi\u1ec7c ki\u1ec3m tra c\u00e1c \u0111i\u1ec1u ki\u1ec7n cho \u0111\u1ebfn sau khi mua h\u00e0ng<\/strong>. Khi \u0111\u00f3, b\u1ea1n c\u00f3 th\u1ec3 \u0111\u00e3 c\u00f3 m\u1ed9t v\u0103n b\u1ea3n kh\u00f4ng ph\u00f9 h\u1ee3p v\u1edbi kho\u1ea3ng th\u1eddi gian, ph\u1ea1m vi l\u00e3nh th\u1ed5 ho\u1eb7c ph\u1ea1m vi d\u1ef1 ki\u1ebfn.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"wylaczenia-ktorych-nie-wolno-pomijac\">C\u00e1c tr\u01b0\u1eddng h\u1ee3p ngo\u1ea1i l\u1ec7 kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ecf qua<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chung (OWU) c\u1ee7a Compensa d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i n\u00eau r\u00f5 r\u1eb1ng, trong g\u00f3i b\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb k\u00e8m d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3 \u0111\u01b0\u1ee3c m\u00f4 t\u1ea3, ph\u1ea1m vi b\u1ea3o hi\u1ec3m kh\u00f4ng bao g\u1ed3m, trong s\u1ed1 nh\u1eefng \u0111i\u1ec1u kh\u00e1c, c\u00e1c d\u1ecbch v\u1ee5 nha khoa ph\u00f2ng ng\u1eeba v\u00e0 ph\u1ee5c h\u00ecnh, vi\u1ec7c l\u01b0u tr\u00fa t\u1ea1i c\u00e1c vi\u1ec7n d\u01b0\u1ee1ng b\u1ec7nh v\u00e0 khu ngh\u1ec9 d\u01b0\u1ee1ng, \u0111i\u1ec1u tr\u1ecb ph\u1ee5c h\u1ed3i ch\u1ee9c n\u0103ng, chi ph\u00ed \u0111i\u1ec1u tr\u1ecb l\u00e0 m\u1ee5c \u0111\u00edch c\u1ee7a chuy\u1ebfn \u0111i, c\u0169ng nh\u01b0 c\u00e1c chi ph\u00ed v\u01b0\u1ee3t qu\u00e1 ph\u1ea1m vi c\u1ea7n thi\u1ebft \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o vi\u1ec7c tr\u1edf v\u1ec1 qu\u1ed1c gia th\u01b0\u1eddng tr\u00fa.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vui l\u00f2ng tham kh\u1ea3o Danh m\u1ee5c \u0111\u1ea7y \u0111\u1ee7 c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) hi\u1ec7n h\u00e0nh c\u1ee7a Compensa d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i. C\u1ee5m t\u1eeb \u201etrong s\u1ed1 nh\u1eefng tr\u01b0\u1eddng h\u1ee3p kh\u00e1c\u201d c\u00f3 ngh\u0129a l\u00e0 <strong>Danh s\u00e1ch c\u00e1c tr\u01b0\u1eddng h\u1ee3p ngo\u1ea1i l\u1ec7 r\u1ed9ng h\u01a1n so v\u1edbi c\u00e1c v\u00ed d\u1ee5 \u0111\u00e3 n\u00eau<\/strong>. Ngo\u00e0i ra, kh\u00f4ng \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng c\u00e1c \u0111i\u1ec1u kho\u1ea3n lo\u1ea1i tr\u1eeb \u00e1p d\u1ee5ng cho m\u1ed9t s\u1ea3n ph\u1ea9m c\u1ee5 th\u1ec3 sang c\u00e1c h\u1ee3p \u0111\u1ed3ng kh\u00e1c. M\u1ed7i h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u1ec1u c\u1ea7n \u0111\u01b0\u1ee3c ki\u1ec3m tra ri\u00eang v\u1ec1 c\u00e1c \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) hi\u1ec7n h\u00e0nh.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u0169ng c\u1ea7n ph\u00e2n bi\u1ec7t r\u00f5 gi\u1eefa tr\u01b0\u1eddng h\u1ee3p kh\u1ea9n c\u1ea5p v\u00e0 vi\u1ec7c \u0111i l\u1ea1i nh\u1eb1m m\u1ee5c \u0111\u00edch \u0111i\u1ec1u tr\u1ecb. Trong v\u0103n b\u1ea3n \u0111\u01b0\u1ee3c \u0111\u1ec1 c\u1eadp, chi ph\u00ed \u0111i\u1ec1u tr\u1ecb l\u00e0 <strong>\u0111i\u1ec3m \u0111\u1ebfn<\/strong> \u0111\u00e3 b\u1ecb lo\u1ea1i tr\u1eeb. Trong khi \u0111\u00f3, \u0111i\u1ec1u kho\u1ea3n n\u00eau tr\u00ean li\u00ean quan \u0111\u1ebfn vi\u1ec7c \u0111i\u1ec1u tr\u1ecb b\u1ec7nh ho\u1eb7c c\u00e1c h\u1eadu qu\u1ea3 c\u1ee7a tai n\u1ea1n x\u1ea3y ra t\u1ea1i Ba Lan v\u00e0 \u0111\u00f2i h\u1ecfi ph\u1ea3i c\u00f3 bi\u1ec7n ph\u00e1p can thi\u1ec7p ngay l\u1eadp t\u1ee9c.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc khi mua, h\u00e3y t\u1ef1 \u0111\u1eb7t ra ba c\u00e2u h\u1ecfi: ch\u00ednh x\u00e1c th\u00ec \u0111i\u1ec1u g\u00ec s\u1ebd k\u00edch ho\u1ea1t quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m, \u0111i\u1ec1u kho\u1ea3n \u0111\u00e3 ch\u1ecdn bao g\u1ed3m nh\u1eefng quy\u1ec1n l\u1ee3i n\u00e0o v\u00e0 trong nh\u1eefng tr\u01b0\u1eddng h\u1ee3p n\u00e0o c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 t\u1eeb ch\u1ed1i chi tr\u1ea3 chi ph\u00ed.<\/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>Vi\u1ec7c \u0111i\u1ec1u tr\u1ecb ph\u1ea3i l\u00e0 c\u1ea7n thi\u1ebft v\u00e0 ph\u1ea3i \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n ngay l\u1eadp t\u1ee9c<\/strong> theo ngh\u0129a c\u1ee7a \u0111i\u1ec1u kho\u1ea3n n\u00eau tr\u00ean c\u1ee7a Compensa.<\/p>\n\n\n<p class=\"wp-block-paragraph\">\u0110\u00e2y kh\u00f4ng ph\u1ea3i l\u00e0 cam k\u1ebft chi tr\u1ea3 cho m\u1ecdi tr\u01b0\u1eddng h\u1ee3p y t\u1ebf.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"co-zrobic-po-zdarzeniu\">Ph\u1ea3i l\u00e0m g\u00ec sau khi s\u1ef1 c\u1ed1 x\u1ea3y ra<\/h2>\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 c\u00e1c s\u1ef1 ki\u1ec7n v\u00e0 t\u00e0i li\u1ec7u. Tr\u01b0\u1edbc h\u1ebft, h\u00e3y \u0111\u1ecdc k\u1ef9 c\u00e1c h\u01b0\u1edbng d\u1eabn \u0111\u01b0\u1ee3c ghi trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea1n c\u0169ng nh\u01b0 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU). \u0110\u1eebng cho r\u1eb1ng th\u1ee7 t\u1ee5c \u00e1p d\u1ee5ng cho m\u1ed9t s\u1ea3n ph\u1ea9m kh\u00e1c s\u1ebd gi\u1ed1ng h\u1ec7t nh\u01b0 v\u1eady. <strong>L\u01b0u gi\u1eef c\u00e1c t\u00e0i li\u1ec7u li\u00ean quan \u0111\u1ebfn s\u1ef1 vi\u1ec7c<\/strong> v\u00e0 \u0111\u1eebng v\u1ee9t b\u1ecf c\u00e1c h\u00f3a \u0111\u01a1n hay ch\u1ee9ng t\u1eeb thanh to\u00e1n cho \u0111\u1ebfn khi v\u1ee5 vi\u1ec7c \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft xong.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Theo \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m Compensa Cudzoziemiec, c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 y\u00eau c\u1ea7u gi\u1ea3i tr\u00ecnh, h\u1ed3 s\u01a1 y t\u1ebf v\u00e0 c\u00e1c b\u1eb1ng ch\u1ee9ng kh\u00e1c c\u1ea7n thi\u1ebft \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh t\u00ecnh ti\u1ebft v\u00e0 m\u1ee9c \u0111\u1ed9 thi\u1ec7t h\u1ea1i. C\u00f4ng ty b\u1ea3o hi\u1ec3m c\u0169ng c\u00f3 th\u1ec3 y\u00eau c\u1ea7u s\u1ef1 \u0111\u1ed3ng \u00fd b\u1eb1ng v\u0103n b\u1ea3n \u0111\u1ec3 thu th\u1eadp th\u00f4ng tin t\u1eeb c\u00e1c c\u01a1 s\u1edf cung c\u1ea5p d\u1ecbch v\u1ee5 y t\u1ebf. Do \u0111\u00f3 <strong>h\u00e3y cung c\u1ea5p l\u1eddi gi\u1ea3i th\u00edch \u0111\u1ea7y \u0111\u1ee7 v\u1ec1 s\u1ef1 vi\u1ec7c<\/strong> v\u00e0 tr\u1ea3 l\u1eddi c\u00e1c y\u00eau c\u1ea7u li\u00ean quan \u0111\u1ebfn v\u1ee5 vi\u1ec7c \u0111ang \u0111\u01b0\u1ee3c x\u1eed l\u00fd.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sau khi nh\u1eadn \u0111\u01b0\u1ee3c th\u00f4ng b\u00e1o v\u1ec1 thi\u1ec7t h\u1ea1i, Compensa c\u00f3 th\u1ec3 y\u00eau c\u1ea7u, trong s\u1ed1 c\u00e1c t\u00e0i li\u1ec7u kh\u00e1c, h\u1ed3 s\u01a1 \u0111i\u1ec1u tr\u1ecb ho\u1eb7c ph\u1ee5c h\u1ed3i ch\u1ee9c n\u0103ng, c\u0169ng nh\u01b0 b\u1ea3ng d\u1ef1 to\u00e1n chi ph\u00ed ho\u1eb7c h\u00f3a \u0111\u01a1n li\u00ean quan \u0111\u1ebfn c\u00e1c chi ph\u00ed \u0111\u00e3 ph\u00e1t sinh cho vi\u1ec7c \u0111i\u1ec1u tr\u1ecb, thu\u1ed1c men, v\u1eadt t\u01b0 y t\u1ebf ho\u1eb7c c\u00e1c v\u1eadt d\u1ee5ng h\u1ed7 tr\u1ee3. C\u00e1c h\u00f3a \u0111\u01a1n, b\u1ea3ng d\u1ef1 to\u00e1n v\u00e0 ch\u1ee9ng t\u1eeb thanh to\u00e1n \u0111\u01b0\u1ee3c cung c\u1ea5p c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c ki\u1ec3m tra trong qu\u00e1 tr\u00ecnh x\u00e1c \u0111\u1ecbnh c\u00e1c t\u00ecnh ti\u1ebft, ph\u1ea1m vi v\u00e0 m\u1ee9c \u0111\u1ed9 thi\u1ec7t h\u1ea1i.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u00e2y l\u00e0 nh\u1eefng v\u00ed d\u1ee5 v\u1ec1 c\u00e1c lo\u1ea1i t\u00e0i li\u1ec7u, ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed9t danh m\u1ee5c kh\u00e9p k\u00edn mang t\u00ednh ph\u1ed5 qu\u00e1t. <strong>T\u00e0i li\u1ec7u n\u00e0y kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed9t danh s\u00e1ch kh\u00e9p k\u00edn<\/strong>, b\u1edfi v\u00ec ph\u1ea1m vi c\u00e1c t\u00e0i li\u1ec7u c\u1ea7n thi\u1ebft ph\u1ee5 thu\u1ed9c v\u00e0o ho\u00e0n c\u1ea3nh c\u1ee5 th\u1ec3 c\u1ee7a v\u1ee5 vi\u1ec7c. Ngo\u00e0i ra, c\u0169ng n\u00ean <strong>tu\u00e2n th\u1ee7 c\u00e1c h\u01b0\u1edbng d\u1eabn \u0111\u00e3 \u0111\u01b0\u1ee3c cung c\u1ea5p<\/strong> v\u00e0 l\u01b0u gi\u1eef b\u1ea3n sao c\u00e1c th\u01b0 t\u1eeb. Trong ph\u1ea7n m\u00f4 t\u1ea3 s\u1ef1 vi\u1ec7c, h\u00e3y n\u00eau tr\u00ecnh t\u1ef1 th\u1eddi gian v\u00e0 c\u00e1c th\u00f4ng tin c\u1ee5 th\u1ec3; <strong>H\u00e3y m\u00f4 t\u1ea3 s\u1ef1 vi\u1ec7c m\u1ed9t c\u00e1ch kh\u00e1ch quan v\u00e0 m\u1ea1ch l\u1ea1c<\/strong>, k\u00e8m theo c\u00e1c t\u00e0i li\u1ec7u \u0111\u00ednh k\u00e8m.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"faq\">C\u00e1c c\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p nh\u1ea5t<\/h2>\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-jedna-polisa-pasuje-do-kazdej-procedury-wizowej-lub-pobytowej\">M\u1ed9t lo\u1ea1i gi\u1ea5y ph\u00e9p duy nh\u1ea5t c\u00f3 ph\u00f9 h\u1ee3p v\u1edbi m\u1ecdi th\u1ee7 t\u1ee5c xin th\u1ecb th\u1ef1c ho\u1eb7c c\u01b0 tr\u00fa kh\u00f4ng?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng n\u00ean t\u1ef1 \u00fd gi\u1ea3 \u0111\u1ecbnh \u0111i\u1ec1u n\u00e0y. M\u1ed7i h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u1ec1u c\u00f3 ph\u1ea1m vi, th\u1eddi h\u1ea1n, khu v\u1ef1c \u00e1p d\u1ee5ng, m\u1ee9c b\u1ed3i th\u01b0\u1eddng v\u00e0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb ri\u00eang, v\u00e0 c\u00e1c y\u00eau c\u1ea7u li\u00ean quan \u0111\u1ebfn t\u1eebng tr\u01b0\u1eddng h\u1ee3p c\u1ee5 th\u1ec3 c\u1ea7n \u0111\u01b0\u1ee3c ki\u1ec3m tra ri\u00eang bi\u1ec7t. N\u1ebfu b\u1ea1n \u0111ang chu\u1ea9n b\u1ecb gi\u1ea5y t\u1edd cho chuy\u1ebfn \u0111i, h\u00e3y \u0111\u1ecdc k\u1ef9, <a href=\"https:\/\/medicalinsurance.pl\/vi\/cam-nang\/chi-phi-dieu-tri-cho-nguoi-nuoc-ngoai\/bao-hiem-cho-thi-thuc-schengen-nam-2026-cach-lua-chon\/\">C\u00e1ch ch\u1ecdn b\u1ea3o hi\u1ec3m cho th\u1ecb th\u1ef1c Schengen v\u00e0o n\u0103m 2026<\/a>, sau \u0111\u00f3 so s\u00e1nh c\u00e1c h\u01b0\u1edbng d\u1eabn v\u1edbi t\u00ecnh hu\u1ed1ng c\u1ee5 th\u1ec3 c\u1ee7a b\u1ea1n.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-klc-pokryje-kazdy-koszt-leczenia-w-polsce\">Li\u1ec7u KLC c\u00f3 chi tr\u1ea3 m\u1ecdi chi ph\u00ed \u0111i\u1ec1u tr\u1ecb t\u1ea1i Ba Lan kh\u00f4ng?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng. Ph\u1ea1m vi b\u1ea3o hi\u1ec3m ph\u1ee5 thu\u1ed9c v\u00e0o t\u1eebng h\u1ee3p \u0111\u1ed3ng c\u1ee5 th\u1ec3. Theo \u0111i\u1ec1u kho\u1ea3n \u0111\u01b0\u1ee3c tr\u00edch d\u1eabn c\u1ee7a Compensa, b\u1ea3o hi\u1ec3m bao g\u1ed3m c\u00e1c chi ph\u00ed \u0111i\u1ec1u tr\u1ecb y t\u1ebf c\u1ea7n thi\u1ebft cho b\u1ec7nh t\u1eadt ho\u1eb7c h\u1eadu qu\u1ea3 c\u1ee7a tai n\u1ea1n, m\u00e0 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m ph\u1ea3i th\u1ef1c hi\u1ec7n ngay l\u1eadp t\u1ee9c trong th\u1eddi gian l\u01b0u tr\u00fa t\u1ea1i Ba Lan. Ngo\u00e0i ra, c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb, gi\u1edbi h\u1ea1n v\u00e0 c\u00e1c \u0111i\u1ec1u ki\u1ec7n kh\u00e1c c\u1ee7a h\u1ee3p \u0111\u1ed3ng c\u0169ng \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-przed-zakupem-wystarczy-przeczytac-opis-formularza\">Tr\u01b0\u1edbc khi mua, ch\u1ec9 c\u1ea7n \u0111\u1ecdc ph\u1ea7n m\u00f4 t\u1ea3 tr\u00ean bi\u1ec3u m\u1eabu l\u00e0 \u0111\u1ee7 ch\u01b0a?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng. M\u1eabu \u0111\u01a1n n\u00e0y d\u00f9ng \u0111\u1ec3 chu\u1ea9n b\u1ecb v\u00e0 mua h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, nh\u01b0ng <strong>H\u00e3y x\u00e1c \u0111\u1ecbnh r\u00f5 m\u1ee5c \u0111\u00edch mua h\u00e0ng v\u00e0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a h\u1ee3p \u0111\u1ed3ng<\/strong>. H\u00e3y \u0111\u1ecdc k\u1ef9 v\u0103n b\u1ea3n cu\u1ed1i c\u00f9ng, \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU), ki\u1ec3m tra ng\u00e0y th\u00e1ng, ph\u1ea1m vi \u00e1p d\u1ee5ng, s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m, c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5, c\u00e1c \u0111i\u1ec1u kho\u1ea3n v\u00e0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"jakie-dokumenty-zachowac-po-zdarzeniu\">C\u1ea7n gi\u1eef l\u1ea1i nh\u1eefng gi\u1ea5y t\u1edd n\u00e0o sau khi s\u1ef1 vi\u1ec7c x\u1ea3y ra?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y l\u01b0u gi\u1eef c\u00e1c t\u00e0i li\u1ec7u li\u00ean quan \u0111\u1ebfn s\u1ef1 c\u1ed1 v\u00e0 c\u00e1c chi ph\u00ed \u0111\u00e3 ph\u00e1t sinh. Trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) c\u1ee7a Compensa, c\u00e1c v\u00ed d\u1ee5 \u0111\u01b0\u1ee3c n\u00eau ra bao g\u1ed3m h\u1ed3 s\u01a1 \u0111i\u1ec1u tr\u1ecb ho\u1eb7c ph\u1ee5c h\u1ed3i ch\u1ee9c n\u0103ng, b\u1ea3ng k\u00ea chi ph\u00ed v\u00e0 h\u00f3a \u0111\u01a1n li\u00ean quan \u0111\u1ebfn chi ph\u00ed \u0111i\u1ec1u tr\u1ecb, thu\u1ed1c men, v\u1eadt t\u01b0 y t\u1ebf ho\u1eb7c c\u00e1c v\u1eadt d\u1ee5ng h\u1ed7 tr\u1ee3. C\u00f4ng ty b\u1ea3o hi\u1ec3m c\u0169ng c\u00f3 th\u1ec3 y\u00eau c\u1ea7u c\u00e1c t\u00e0i li\u1ec7u kh\u00e1c c\u1ea7n thi\u1ebft \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 v\u1ee5 vi\u1ec7c.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-mozna-kupic-klc-online\">C\u00f3 th\u1ec3 mua KLC tr\u1ef1c tuy\u1ebfn kh\u00f4ng?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">\u0110\u00fang v\u1eady, b\u1ea1n c\u00f3 th\u1ec3 mua h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m KLC tr\u1ef1c tuy\u1ebfn t\u1ea1i medicalinsurance.pl, nh\u01b0ng <strong>Ch\u1ec9 n\u00ean mua sau khi \u0111\u00e3 ki\u1ec3m tra k\u1ef9 th\u00f4ng tin v\u00e0 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"co-jest-najwazniejsze-tuz-przed-zatwierdzeniem-formularza\">\u0110i\u1ec1u quan tr\u1ecdng nh\u1ea5t c\u1ea7n l\u01b0u \u00fd ngay tr\u01b0\u1edbc khi x\u00e1c nh\u1eadn bi\u1ec3u m\u1eabu l\u00e0 g\u00ec?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y so s\u00e1nh th\u00f4ng tin c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m v\u1edbi t\u00e0i li\u1ec7u, ki\u1ec3m tra th\u1eddi h\u1ea1n v\u00e0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m, s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m, c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n ph\u1ee5, c\u00e1c \u0111i\u1ec1u kho\u1ea3n v\u00e0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb. H\u00e3y \u0111\u1ea3m b\u1ea3o r\u1eb1ng b\u1ea1n \u0111\u00e3 hi\u1ec3u r\u00f5 quy tr\u00ecnh x\u1eed l\u00fd sau khi x\u1ea3y ra s\u1ef1 c\u1ed1. Vi\u1ec7c ki\u1ec3m tra nhanh n\u00e0y c\u00f2n quan tr\u1ecdng h\u01a1n c\u1ea3 vi\u1ec7c ho\u00e0n t\u1ea5t giao d\u1ecbch mua b\u1ea3o hi\u1ec3m m\u1ed9t c\u00e1ch nhanh ch\u00f3ng.<\/p>\n\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu c\u00e1c \u0111i\u1ec1u ki\u1ec7n ph\u00f9 h\u1ee3p v\u1edbi qu\u00fd kh\u00e1ch, th\u1eddi gian l\u01b0u tr\u00fa d\u1ef1 ki\u1ebfn v\u00e0 m\u1ee5c \u0111\u00edch mua h\u00e0ng, vui l\u00f2ng chuy\u1ec3n sang bi\u1ec3u m\u1eabu mua h\u00e0ng:<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/medicalinsurance.pl\/vi\/chi-phi-dieu-tri-cho-nguoi-nuoc-ngoai-klc\/\">MUA B\u1ea2O HI\u1ec2M KLC TR\u1ef0C TUY\u1ebeN<\/a><\/div>\n\n<\/div>","protected":false},"excerpt":{"rendered":"<p>B\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i nh\u1eb1m m\u1ee5c \u0111\u00edch h\u1ed7 tr\u1ee3 trong c\u00e1c tr\u01b0\u1eddng h\u1ee3p b\u1ec7nh t\u1eadt \u0111\u1ed9t ng\u1ed9t ho\u1eb7c tai n\u1ea1n b\u1ea5t ng\u1edd x\u1ea3y ra trong th\u1eddi gian l\u01b0u tr\u00fa t\u1ea1i Ba Lan, khi\u2026<\/p>","protected":false},"author":1,"featured_media":3401,"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":[22],"tags":[64,63,65,62],"class_list":["post-3402","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-koszty-leczenia-cudzoziemca","tag-koszty-leczenia-w-polsce","tag-polisa-dla-cudzoziemca-2026","tag-ubezpieczenie-dla-obcokrajowca","tag-ubezpieczenie-kosztow-leczenia-cudzoziemca"],"acf":[],"yoast_head":"<!-- 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