{"id":3406,"date":"2026-10-21T14:56:18","date_gmt":"2026-10-21T12:56:18","guid":{"rendered":"https:\/\/medicalinsurance.pl\/?p=3406"},"modified":"2026-10-21T14:56:18","modified_gmt":"2026-10-21T12:56:18","slug":"nen-chon-loai-bao-hiem-nao-cho-the-cu-tru","status":"publish","type":"post","link":"https:\/\/medicalinsurance.pl\/vi\/poradnik\/ubezpieczenie-zdrowotne-do-karty-pobytu\/jakie-ubezpieczenie-do-karty-pobytu-wybrac\/","title":{"rendered":"N\u00ean ch\u1ecdn lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0o \u0111i k\u00e8m v\u1edbi th\u1ebb c\u01b0 tr\u00fa?"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Vi\u1ec7c l\u1ef1a ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m k\u00e8m theo th\u1ebb c\u01b0 tr\u00fa kh\u00f4ng n\u00ean b\u1eaft \u0111\u1ea7u t\u1eeb m\u1ee9c gi\u00e1 hay t\u00ean g\u00f3i b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c ch\u1ecdn ng\u1eabu nhi\u00ean. Tr\u01b0\u1edbc ti\u00ean, c\u1ea7n x\u00e1c \u0111\u1ecbnh lo\u1ea1i gi\u1ea5y t\u1edd n\u00e0o c\u1ea7n \u0111\u00ednh k\u00e8m v\u00e0o h\u1ed3 s\u01a1 c\u01b0 tr\u00fa c\u1ee5 th\u1ec3, sau \u0111\u00f3 ki\u1ec3m tra xem h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 b\u1ea3o v\u1ec7 ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i trong th\u1eddi gian l\u01b0u tr\u00fa t\u1ea1i Ba Lan trong tr\u01b0\u1eddng h\u1ee3p b\u1ecb \u1ed1m \u0111\u1ed9t ng\u1ed9t ho\u1eb7c g\u1eb7p tai n\u1ea1n hay kh\u00f4ng. \u0110i\u1ec1u quan tr\u1ecdng kh\u00f4ng ch\u1ec9 l\u00e0 nh\u1eefng kh\u1ea9u hi\u1ec7u chung chung, m\u00e0 c\u00f2n bao g\u1ed3m 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, c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb c\u0169ng nh\u01b0 c\u00e1ch th\u1ee9c nh\u1eadn h\u1ed7 tr\u1ee3. <strong>H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ph\u1ea3i ph\u00f9 h\u1ee3p v\u1edbi t\u00ecnh hu\u1ed1ng c\u1ee5 th\u1ec3<\/strong>, ch\u1ee9 kh\u00f4ng ch\u1ec9 \u0111\u01a1n thu\u1ea7n l\u00e0 tr\u00f4ng \u0111\u1eb9p m\u1eaft trong ph\u1ea7n m\u00f4 t\u1ea3 ng\u1eafn g\u1ecdn c\u1ee7a s\u1ea3n ph\u1ea9m. D\u01b0\u1edbi \u0111\u00e2y, ch\u00fang t\u00f4i s\u1ebd h\u01b0\u1edbng d\u1eabn b\u1ea1n c\u00e1ch th\u1ef1c hi\u1ec7n qu\u00e1 tr\u00ecnh l\u1ef1a ch\u1ecdn t\u1eebng b\u01b0\u1edbc m\u1ed9t v\u00e0 nh\u1eefng \u0111i\u1ec1u c\u1ea7n l\u01b0u \u00fd tr\u01b0\u1edbc khi mua h\u00e0ng.<\/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=\"wp-block-paragraph\">M\u1ee5c l\u1ee5c<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n\n<li><a href=\"#od-czego-zaczac-wybor-polisy\">N\u00ean b\u1eaft \u0111\u1ea7u t\u1eeb \u0111\u00e2u khi l\u1ef1a ch\u1ecdn h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/a><\/li>\n\n\n<li><a href=\"#jaki-zakres-ochrony-ma-znaczenie\">Ph\u1ea1m vi b\u1ea3o hi\u1ec3m n\u00e0o l\u00e0 quan tr\u1ecdng<\/a><\/li>\n\n\n<li><a href=\"#jak-czytac-polise-i-owu\">C\u00e1ch \u0111\u1ecdc h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 \u0110i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chung<\/a><\/li>\n\n\n<li><a href=\"#jak-ocenic-oferte-przed-zakupem\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 s\u1ea3n ph\u1ea9m tr\u01b0\u1edbc khi mua<\/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=\"od-czego-zaczac-wybor-polisy\">N\u00ean b\u1eaft \u0111\u1ea7u t\u1eeb \u0111\u00e2u khi l\u1ef1a ch\u1ecdn 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 ki\u1ec3m tra xem h\u1ed3 s\u01a1 c\u1ee7a b\u1ea1n \u0111ang \u1edf giai \u0111o\u1ea1n n\u00e0o v\u00e0 c\u01a1 quan ph\u1ee5 tr\u00e1ch th\u1ee7 t\u1ee5c \u0111ang y\u00eau c\u1ea7u lo\u1ea1i gi\u1ea5y t\u1edd n\u00e0o. \u0110\u1eebng cho r\u1eb1ng gi\u1ea3i ph\u00e1p ph\u00f9 h\u1ee3p v\u1edbi ng\u01b0\u1eddi kh\u00e1c s\u1ebd t\u1ef1 \u0111\u1ed9ng ph\u00f9 h\u1ee3p v\u1edbi b\u1ea1n. Lo\u1ea1i h\u00ecnh c\u01b0 tr\u00fa, th\u1eddi gian d\u1ef1 ki\u1ebfn l\u01b0u tr\u00fa t\u1ea1i Ba Lan v\u00e0 n\u1ed9i dung c\u00e1c t\u00e0i li\u1ec7u n\u1ed9p trong h\u1ed3 s\u01a1 c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn c\u00e1c ti\u00eau ch\u00ed l\u1ef1a ch\u1ecdn th\u1ef1c t\u1ebf.<\/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>H\u00e3y x\u00e1c nh\u1eadn c\u00e1c y\u00eau c\u1ea7u tr\u01b0\u1edbc khi mua h\u00e0ng.<\/strong> H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m kh\u00f4ng n\u00ean h\u1ee9a h\u1eb9n m\u1ed9t quy\u1ebft \u0111\u1ecbnh thu\u1eadn l\u1ee3i t\u1eeb c\u01a1 quan ch\u1ee9c n\u0103ng, b\u1edfi v\u00ec b\u1ea3n th\u00e2n v\u0103n b\u1ea3n b\u1ea3o hi\u1ec3m kh\u00f4ng quy\u1ebft \u0111\u1ecbnh k\u1ebft qu\u1ea3 c\u1ee7a th\u1ee7 t\u1ee5c. Nhi\u1ec7m v\u1ee5 c\u1ee7a n\u00f3 l\u00e0 ghi nh\u1eadn ph\u1ea1m vi b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p v\u1edbi ph\u1ea1m vi v\u00e0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n \u0111\u00e3 ch\u1ecdn trong h\u1ee3p \u0111\u1ed3ng. B\u1ea1n c\u00f3 th\u1ec3 t\u00ecm th\u1ea5y ph\u1ea7n gi\u1ea3i th\u00edch chi ti\u1ebft h\u01a1n v\u1ec1 vai tr\u00f2 c\u1ee7a v\u0103n b\u1ea3n n\u00e0y trong c\u1ea9m nang <a href=\"https:\/\/medicalinsurance.pl\/vi\/cam-nang\/bao-hiem-y-te-kem-theo-the-cu-tru\/tai-sao-the-cu-tru-lai-yeu-cau-phai-co-bao-hiem\/\">T\u1ea1i sao th\u1ebb c\u01b0 tr\u00fa l\u1ea1i y\u00eau c\u1ea7u ph\u1ea3i c\u00f3 b\u1ea3o hi\u1ec3m?<\/a>.<\/p>\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc khi ti\u1ebfn h\u00e0nh t\u00ednh to\u00e1n, h\u00e3y chu\u1ea9n b\u1ecb c\u00e1c th\u00f4ng tin c\u01a1 b\u1ea3n sau:<\/p>\n\n<\/div><\/div>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items1f50e45d-list-1:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items1f50e45d-list-1 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-items1f50e45d-list-1 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items1f50e45d-list-1 .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-items1f50e45d-list-1 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items1f50e45d-list-1 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-items1f50e45d-list-1 ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-items1f50e45d-list-1 .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-items1f50e45d-list-1 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items1f50e45d-list-1 .kb-svg-icon-wrap{font-size:20px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items1f50e45d-list-1 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-1f50e45d-item-1-1 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-1f50e45d-item-1-1 .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-1f50e45d-item-1-1 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\">ng\u00e0y d\u1ef1 ki\u1ebfn b\u1eaft \u0111\u1ea7u \u00e1p d\u1ee5ng bi\u1ec7n ph\u00e1p b\u1ea3o v\u1ec7;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-1f50e45d-item-1-2 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-1f50e45d-item-1-2 .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-1f50e45d-item-1-2 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\">th\u1eddi h\u1ea1n m\u00e0 b\u1ea1n c\u1ea7n h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-1f50e45d-item-1-3 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-1f50e45d-item-1-3 .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-1f50e45d-item-1-3 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\">th\u00f4ng tin c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-1f50e45d-item-1-4 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-1f50e45d-item-1-4 .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-1f50e45d-item-1-4 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\">ph\u1ea1m vi l\u00e3nh th\u1ed5 t\u01b0\u01a1ng \u1ee9ng v\u1edbi n\u01a1i c\u01b0 tr\u00fa;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-1f50e45d-item-1-5 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-1f50e45d-item-1-5 .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-1f50e45d-item-1-5 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\">c\u00e1c th\u00f4ng tin c\u1ea7n thi\u1ebft \u0111\u1ec3 \u0111i\u1ec1n \u0111\u01a1n \u0111\u00fang c\u00e1ch;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-1f50e45d-item-1-6 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-1f50e45d-item-1-6 .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-1f50e45d-item-1-6 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\">C\u00e1c y\u00eau c\u1ea7u \u0111\u00e3 \u0111\u01b0\u1ee3c x\u00e1c nh\u1eadn li\u00ean quan \u0111\u1ebfn h\u1ed3 s\u01a1 xin c\u01b0 tr\u00fa.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>H\u00e3y ki\u1ec3m tra k\u1ef9 l\u1ea1i c\u00e1c ng\u00e0y \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m.<\/strong> Ngay c\u1ea3 khi \u0111\u00e3 ch\u1ecdn \u0111\u00fang s\u1ea3n ph\u1ea9m, s\u1ea3n ph\u1ea9m \u0111\u00f3 c\u0169ng s\u1ebd kh\u00f4ng ph\u00e1t huy \u0111\u01b0\u1ee3c t\u00e1c d\u1ee5ng n\u1ebfu th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m kh\u00f4ng ph\u00f9 h\u1ee3p v\u1edbi th\u1eddi gian l\u01b0u tr\u00fa th\u1ef1c t\u1ebf ho\u1eb7c n\u1ebfu t\u00e0i li\u1ec7u c\u00f3 th\u00f4ng tin sai l\u1ec7ch. Sau khi mua, h\u00e3y \u0111\u1ed1i chi\u1ebfu h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u1edbi \u0111\u01a1n \u0111\u0103ng k\u00fd v\u00e0 gi\u1ea5y t\u1edd t\u00f9y th\u00e2n \u2013 \u0111\u1eebng \u0111\u1ec3 vi\u1ec7c ki\u1ec3m tra n\u00e0y \u0111\u1ebfn t\u1eadn ng\u00e0y n\u1ed9p h\u1ed3 s\u01a1.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jaki-zakres-ochrony-ma-znaczenie\">Ph\u1ea1m vi b\u1ea3o hi\u1ec3m n\u00e0o l\u00e0 quan tr\u1ecdng<\/h2>\n\n\n\n<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 ch\u1ee7 y\u1ebfu nh\u1eb1m b\u1ea3o v\u1ec7 trong c\u00e1c t\u00ecnh hu\u1ed1ng kh\u1ea9n c\u1ea5p \u0111\u00f2i h\u1ecfi s\u1ef1 tr\u1ee3 gi\u00fap c\u1ea7n thi\u1ebft. Trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) c\u1ee7a Compensa n\u0103m 2026 d\u00e0nh cho s\u1ea3n ph\u1ea9m \u201eB\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\u201d, quy \u0111\u1ecbnh r\u1eb1ng b\u1ea3o hi\u1ec3m s\u1ebd chi tr\u1ea3 c\u00e1c chi ph\u00ed \u0111i\u1ec1u tr\u1ecb b\u1ec7nh ho\u1eb7c h\u1eadu qu\u1ea3 c\u1ee7a tai n\u1ea1n, c\u1ea7n thi\u1ebft v\u1ec1 m\u1eb7t y t\u1ebf, n\u1ebfu 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. <strong>C\u01a1 s\u1edf \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 l\u00e0 to\u00e0n b\u1ed9 ph\u1ea1m vi c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee5 th\u1ec3 \u0111\u00f3<\/strong>, c\u00f9ng v\u1edbi c\u00e1c gi\u1edbi h\u1ea1n v\u00e0 tr\u01b0\u1eddng h\u1ee3p ngo\u1ea1i l\u1ec7 c\u1ee7a n\u00f3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Trong c\u00f9ng b\u1ed9 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m n\u00e0y c\u0169ng m\u00f4 t\u1ea3 vi\u1ec7c t\u1ed5 ch\u1ee9c h\u1ed7 tr\u1ee3 y t\u1ebf v\u00e0 chi tr\u1ea3 c\u00e1c chi ph\u00ed li\u00ean quan cho \u0111\u1ebfn khi t\u00ecnh tr\u1ea1ng s\u1ee9c kh\u1ecfe c\u1ee7a kh\u00e1ch h\u00e0ng cho ph\u00e9p h\u1ecd tr\u1edf v\u1ec1 ho\u1eb7c \u0111\u01b0\u1ee3c v\u1eadn chuy\u1ec3n v\u1ec1 n\u01b0\u1edbc th\u01b0\u1eddng tr\u00fa. \u0110i\u1ec1u n\u00e0y cho th\u1ea5y t\u1ea1i sao ch\u00fang ta kh\u00f4ng ch\u1ec9 n\u00ean ch\u00fa \u00fd \u0111\u1ebfn t\u00ean s\u1ea3n ph\u1ea9m m\u00e0 c\u00f2n c\u1ea7n xem x\u00e9t c\u00e1ch th\u1ee9c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3. <strong>Vi\u1ec7c t\u1ed5 ch\u1ee9c h\u1ed7 tr\u1ee3 c\u00f3 th\u1ec3 quan tr\u1ecdng kh\u00f4ng k\u00e9m vi\u1ec7c ho\u00e0n tr\u1ea3 chi ph\u00ed<\/strong>, \u0111\u1eb7c bi\u1ec7t l\u00e0 khi ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m kh\u00f4ng n\u1eafm r\u00f5 c\u00e1c th\u1ee7 t\u1ee5c t\u1ea1i \u0111\u1ecba ph\u01b0\u01a1ng ho\u1eb7c kh\u00f4ng th\u1ec3 t\u1ef1 m\u00ecnh s\u1eafp x\u1ebfp ph\u01b0\u01a1ng ti\u1ec7n v\u1eadn chuy\u1ec3n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Khi l\u1ef1a ch\u1ecdn, tr\u01b0\u1edbc h\u1ebft h\u00e3y ph\u00e2n t\u00edch:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items1f50e45d-list-2:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items1f50e45d-list-2 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-items1f50e45d-list-2 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items1f50e45d-list-2 .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-items1f50e45d-list-2 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items1f50e45d-list-2 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-items1f50e45d-list-2 ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-items1f50e45d-list-2 .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-items1f50e45d-list-2 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items1f50e45d-list-2 .kb-svg-icon-wrap{font-size:20px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items1f50e45d-list-2 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-1f50e45d-item-2-1 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-1f50e45d-item-2-1 .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-1f50e45d-item-2-1 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\">B\u1ea3o hi\u1ec3m c\u00f3 bao g\u1ed3m c\u00e1c tr\u01b0\u1eddng h\u1ee3p m\u1eafc b\u1ec7nh \u0111\u1ed9t ng\u1ed9t v\u00e0 h\u1eadu qu\u1ea3 c\u1ee7a tai n\u1ea1n kh\u00f4ng;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-1f50e45d-item-2-2 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-1f50e45d-item-2-2 .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-1f50e45d-item-2-2 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\">\u00e1p d\u1ee5ng \u1edf \u0111\u00e2u v\u00e0 trong th\u1eddi gian bao l\u00e2u;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-1f50e45d-item-2-3 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-1f50e45d-item-2-3 .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-1f50e45d-item-2-3 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\">s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m ghi tr\u00ean h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m l\u00e0 bao nhi\u00eau;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-1f50e45d-item-2-4 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-1f50e45d-item-2-4 .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-1f50e45d-item-2-4 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\">c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n \u00e1p d\u1ee5ng cho t\u1eebng lo\u1ea1i tr\u1ee3 c\u1ea5p l\u00e0 g\u00ec;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-1f50e45d-item-2-5 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-1f50e45d-item-2-5 .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-1f50e45d-item-2-5 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\">nh\u1eefng s\u1ef1 ki\u1ec7n v\u00e0 chi ph\u00ed n\u00e0o b\u1ecb lo\u1ea1i tr\u1eeb;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-1f50e45d-item-2-6 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-1f50e45d-item-2-6 .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-1f50e45d-item-2-6 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\">C\u00e1ch li\u00ean h\u1ec7 v\u1edbi trung t\u00e2m h\u1ed7 tr\u1ee3;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-1f50e45d-item-2-7 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-1f50e45d-item-2-7 .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-1f50e45d-item-2-7 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\">Vi\u1ec7c v\u1eadn chuy\u1ec3n v\u00e0 t\u1ed5 ch\u1ee9c h\u1ed7 tr\u1ee3 c\u00f3 n\u1eb1m trong ph\u1ea1m vi c\u1ee7a ph\u01b0\u01a1ng \u00e1n \u0111\u00e3 ch\u1ecdn hay kh\u00f4ng.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u0110\u1eebng nh\u1ea7m l\u1eabn gi\u1eefa s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m v\u1edbi ph\u1ea1m vi b\u1ea3o hi\u1ec3m.<\/strong> M\u1ee9c b\u1ed3i th\u01b0\u1eddng cao kh\u00f4ng lo\u1ea1i b\u1ecf c\u00e1c gi\u1edbi h\u1ea1n, \u0111i\u1ec1u ki\u1ec7n hay c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng. Hai h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 tr\u00f4ng gi\u1ed1ng nhau \u1edf trang \u0111\u1ea7u ti\u00ean, nh\u01b0ng l\u1ea1i quy \u0111\u1ecbnh kh\u00e1c nhau v\u1ec1 c\u00e1ch th\u1ee9c th\u00f4ng b\u00e1o s\u1ef1 c\u1ed1 ho\u1eb7c vi\u1ec7c ti\u1ebfp c\u1eadn c\u00e1c d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3. N\u1ebfu b\u1ea1n c\u1ea7n hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 b\u1ed1i c\u1ea3nh, h\u00e3y \u0111\u1ecdc th\u00eam b\u00e0i vi\u1ebft n\u00e0y <a href=\"https:\/\/medicalinsurance.pl\/vi\/cam-nang\/bao-hiem-y-te-kem-theo-the-cu-tru\/the-cu-tru-va-bao-hiem-y-te-nhung-dieu-can-biet\/\">Th\u1ebb c\u01b0 tr\u00fa v\u00e0 b\u1ea3o hi\u1ec3m y t\u1ebf<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-czytac-polise-i-owu\">C\u00e1ch \u0111\u1ecdc h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 \u0110i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chung<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">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 \u0111\u1ec3 bi\u1ebft \u0111\u1ea7y \u0111\u1ee7 c\u00e1c quy \u0111\u1ecbnh v\u1ec1 ph\u1ea1m vi b\u1ea3o hi\u1ec3m, qu\u00fd kh\u00e1ch c\u0169ng c\u1ea7n tham kh\u1ea3o c\u00e1c \u0111i\u1ec1u kho\u1ea3n chung c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m. <strong>\u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0111i\u1ec1u ki\u1ec7n chung (OWU) l\u00e0 y\u1ebfu t\u1ed1 then ch\u1ed1t trong quy\u1ebft \u0111\u1ecbnh mua h\u00e0ng<\/strong>, ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 t\u00e0i li\u1ec7u ch\u1ec9 n\u00ean \u0111\u1ecdc sau khi \u0111\u00e3 x\u1ea3y ra r\u1ee7i ro. H\u00e3y b\u1eaft \u0111\u1ea7u t\u1eeb \u0111\u1ecbnh ngh\u0129a, ph\u1ea1m vi b\u1ea3o hi\u1ec3m, s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m v\u00e0 th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m. Sau \u0111\u00f3, h\u00e3y chuy\u1ec3n sang c\u00e1c gi\u1edbi h\u1ea1n, c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb v\u00e0 ngh\u0129a v\u1ee5 c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y l\u01b0u \u00fd xem c\u00e1c \u0111i\u1ec1u kho\u1ea3n m\u1edf r\u1ed9ng c\u00f3 n\u1eb1m trong g\u00f3i c\u01a1 b\u1ea3n hay c\u1ea7n m\u1ed9t \u0111i\u1ec1u kho\u1ea3n ri\u00eang bi\u1ec7t. \u0110i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chung (OWU) c\u1ee7a TUZ n\u0103m 2026 d\u00e0nh cho b\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i trong th\u1eddi gian l\u01b0u tr\u00fa t\u1ea1i Ba Lan quy \u0111\u1ecbnh c\u00e1c \u0111i\u1ec1u kho\u1ea3n b\u1ed5 sung v\u1ec1 b\u1ea3o hi\u1ec3m tai n\u1ea1n (NNW) v\u00e0 b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 trong \u0111\u1eddi s\u1ed1ng c\u00e1 nh\u00e2n. <strong>Ti\u1ec7n \u00edch m\u1edf r\u1ed9ng kh\u00f4ng ho\u1ea1t \u0111\u1ed9ng t\u1ef1 \u0111\u1ed9ng<\/strong>, tr\u1eeb khi \u0111i\u1ec1u kho\u1ea3n \u0111\u00f3 \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u01b0a v\u00e0o h\u1ee3p \u0111\u1ed3ng \u0111\u00e3 ch\u1ecdn. Do \u0111\u00f3, vi\u1ec7c \u0111i\u1ec1u kho\u1ea3n n\u00e0y c\u00f3 trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) kh\u00f4ng c\u00f3 ngh\u0129a l\u00e0 n\u00f3 xu\u1ea5t hi\u1ec7n trong m\u1ecdi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Khi \u0111\u1ecdc c\u00e1c t\u00e0i li\u1ec7u, h\u00e3y t\u1ef1 tr\u1ea3 l\u1eddi m\u1ed9t s\u1ed1 c\u00e2u h\u1ecfi sau:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items1f50e45d-list-3:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items1f50e45d-list-3 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-items1f50e45d-list-3 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items1f50e45d-list-3 .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-items1f50e45d-list-3 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items1f50e45d-list-3 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-items1f50e45d-list-3 ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-items1f50e45d-list-3 .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-items1f50e45d-list-3 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items1f50e45d-list-3 .kb-svg-icon-wrap{font-size:20px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items1f50e45d-list-3 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-1f50e45d-item-3-1 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-1f50e45d-item-3-1 .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-1f50e45d-item-3-1 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\">Ai l\u00e0 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m? Th\u00f4ng tin ph\u1ea3i ch\u1ec9 r\u00f5 m\u1ed9t c\u00e1ch r\u00f5 r\u00e0ng ch\u00ednh x\u00e1c ng\u01b0\u1eddi \u0111\u00f3 l\u00e0 ai.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-1f50e45d-item-3-2 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-1f50e45d-item-3-2 .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-1f50e45d-item-3-2 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\">B\u1ea3o hi\u1ec3m c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb khi n\u00e0o? H\u00e3y ki\u1ec3m tra ng\u00e0y b\u1eaft \u0111\u1ea7u v\u00e0 ng\u00e0y k\u1ebft th\u00fac th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-1f50e45d-item-3-3 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-1f50e45d-item-3-3 .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-1f50e45d-item-3-3 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\">Ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m c\u00f3 hi\u1ec7u l\u1ef1c \u1edf \u0111\u00e2u? L\u00e3nh th\u1ed5 \u0111\u00f3 ph\u1ea3i ph\u00f9 h\u1ee3p v\u1edbi k\u1ebf ho\u1ea1ch l\u01b0u tr\u00fa d\u1ef1 ki\u1ebfn.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-1f50e45d-item-3-4 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-1f50e45d-item-3-4 .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-1f50e45d-item-3-4 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\">\u0110i\u1ec1u g\u00ec s\u1ebd k\u00edch ho\u1ea1t c\u01a1 ch\u1ebf b\u1ea3o v\u1ec7? H\u00e3y tra c\u1ee9u \u0111\u1ecbnh ngh\u0129a v\u1ec1 c\u00e1c s\u1ef1 ki\u1ec7n \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-1f50e45d-item-3-5 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-1f50e45d-item-3-5 .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-1f50e45d-item-3-5 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\">C\u00e1c h\u1ea1n ch\u1ebf l\u00e0 g\u00ec? H\u00e3y \u0111\u1ecdc k\u1ef9 c\u00e1c gi\u1edbi h\u1ea1n v\u00e0 \u0111i\u1ec1u kho\u1ea3n lo\u1ea1i tr\u1eeb, \u0111\u1eebng ch\u1ec9 \u0111\u1ecdc ph\u1ea7n m\u00f4 t\u1ea3 qu\u1ea3ng c\u00e1o.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-1f50e45d-item-3-6 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-1f50e45d-item-3-6 .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-1f50e45d-item-3-6 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\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 nh\u1eadn \u0111\u01b0\u1ee3c s\u1ef1 tr\u1ee3 gi\u00fap? H\u00e3y ghi l\u1ea1i quy tr\u00ecnh li\u00ean h\u1ec7 \u0111\u01b0\u1ee3c n\u00eau trong c\u00e1c t\u00e0i li\u1ec7u.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1eebng ch\u1ecdn s\u1ea3n ph\u1ea9m ch\u1ec9 d\u1ef1a tr\u00ean m\u1ed9t th\u00f4ng s\u1ed1 \u0111\u01b0\u1ee3c l\u1ea5y ra m\u1ed9t c\u00e1ch r\u1eddi r\u1ea1c. <strong>Gi\u00e1 ch\u1ec9 c\u00f3 \u00fd ngh\u0129a khi ph\u1ea1m vi so s\u00e1nh \u0111\u01b0\u1ee3c.<\/strong> N\u1ebfu kh\u00f4ng c\u00f3 c\u00e1c t\u00ednh to\u00e1n c\u1eadp nh\u1eadt \u0111\u01b0\u1ee3c l\u1eadp ri\u00eang cho c\u00f9ng m\u1ed9t ng\u01b0\u1eddi, c\u00f9ng m\u1ed9t kho\u1ea3ng th\u1eddi gian v\u00e0 c\u00f9ng m\u1ed9t ph\u1ea1m vi, th\u00ec kh\u00f4ng th\u1ec3 x\u00e1c \u0111\u1ecbnh m\u1ed9t c\u00e1ch ch\u00ednh x\u00e1c \u0111\u00e2u l\u00e0 g\u00f3i b\u1ea3o hi\u1ec3m r\u1ebb nh\u1ea5t hay t\u1ed1t nh\u1ea5t. Tr\u00ean th\u1ef1c t\u1ebf, l\u1ef1a ch\u1ecdn h\u1ee3p l\u00fd l\u00e0 l\u1ef1a ch\u1ecdn \u0111\u00e1p \u1ee9ng \u0111\u1ea7y \u0111\u1ee7 c\u00e1c y\u00eau c\u1ea7u v\u1ec1 h\u1ed3 s\u01a1 c\u1ea7n thi\u1ebft v\u00e0 \u0111\u1ea3m b\u1ea3o m\u1ee9c \u0111\u1ed9 b\u1ea3o v\u1ec7 r\u00f5 r\u00e0ng trong su\u1ed1t th\u1eddi gian l\u01b0u tr\u00fa.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-ocenic-oferte-przed-zakupem\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 s\u1ea3n ph\u1ea9m tr\u01b0\u1edbc khi mua<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc khi th\u1ef1c hi\u1ec7n thanh to\u00e1n, h\u00e3y ho\u00e0n t\u1ea5t quy tr\u00ecnh x\u00e1c minh ng\u1eafn g\u1ecdn. \u0110\u1ea7u ti\u00ean, h\u00e3y \u0111\u1ed1i chi\u1ebfu th\u00f4ng tin tr\u00ean \u0111\u01a1n \u0111\u0103ng k\u00fd v\u1edbi th\u00f4ng tin tr\u00ean gi\u1ea5y t\u1edd t\u00f9y th\u00e2n. Ti\u1ebfp theo, h\u00e3y ki\u1ec3m tra ng\u00e0y th\u00e1ng, ph\u1ea1m vi \u0111\u1ecba l\u00fd, s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m v\u00e0 g\u00f3i b\u1ea3o hi\u1ec3m \u0111\u00e3 ch\u1ecdn. Cu\u1ed1i c\u00f9ng, h\u00e3y \u0111\u1ea3m b\u1ea3o r\u1eb1ng b\u1ea1n bi\u1ebft r\u00f5 n\u01a1i t\u00ecm th\u1ea5y \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) v\u00e0 c\u00e1ch li\u00ean h\u1ec7 v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m trong tr\u01b0\u1eddng h\u1ee3p x\u1ea3y ra 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>\u0110\u1eebng mua h\u00e0ng ch\u1ec9 v\u00ec b\u1ecb \u00e1p l\u1ef1c v\u1ec1 th\u1eddi h\u1ea1n.<\/strong> Sai s\u00f3t trong d\u1eef li\u1ec7u ho\u1eb7c vi\u1ec7c ch\u1ecdn sai kho\u1ea3ng th\u1eddi gian c\u00f3 th\u1ec3 \u0111\u00f2i h\u1ecfi ph\u1ea3i gi\u1ea3i th\u00edch v\u00e0 ch\u1ec9nh s\u1eeda c\u00e1c t\u00e0i li\u1ec7u. T\u1ed1t h\u01a1n h\u1ebft l\u00e0 d\u00e0nh v\u00e0i ph\u00fat \u0111\u1ec3 ki\u1ec3m tra tr\u01b0\u1edbc khi thanh to\u00e1n, thay v\u00ec ph\u00e1t hi\u1ec7n ra s\u1ef1 kh\u00f4ng kh\u1edbp khi ho\u00e0n t\u1ea5t \u0111\u01a1n xin c\u01b0 tr\u00fa.<\/p>\n\n\n<p class=\"wp-block-paragraph\">Danh s\u00e1ch ki\u1ec3m tra th\u1ef1c t\u1ebf:<\/p>\n\n<\/div><\/div>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items1f50e45d-list-4:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items1f50e45d-list-4 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-items1f50e45d-list-4 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items1f50e45d-list-4 .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-items1f50e45d-list-4 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items1f50e45d-list-4 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-items1f50e45d-list-4 ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-items1f50e45d-list-4 .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-items1f50e45d-list-4 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items1f50e45d-list-4 .kb-svg-icon-wrap{font-size:20px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items1f50e45d-list-4 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-1f50e45d-item-4-1 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-1f50e45d-item-4-1 .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-1f50e45d-item-4-1 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\">Th\u00f4ng tin c\u00e1 nh\u00e2n: ph\u00f9 h\u1ee3p v\u1edbi gi\u1ea5y t\u1edd t\u00f9y th\u00e2n;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-1f50e45d-item-4-2 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-1f50e45d-item-4-2 .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-1f50e45d-item-4-2 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\">Th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m: ph\u00f9 h\u1ee3p v\u1edbi th\u1eddi gian l\u01b0u tr\u00fa d\u1ef1 ki\u1ebfn;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-1f50e45d-item-4-3 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-1f50e45d-item-4-3 .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-1f50e45d-item-4-3 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\">L\u00e3nh th\u1ed5: t\u00f9y theo n\u01a1i c\u01b0 tr\u00fa;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-1f50e45d-item-4-4 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-1f50e45d-item-4-4 .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-1f50e45d-item-4-4 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\">Ph\u1ea1m vi c\u00e1c s\u1ef1 c\u1ed1 kh\u1ea9n c\u1ea5p: \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 \u0110i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chung;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-1f50e45d-item-4-5 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-1f50e45d-item-4-5 .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-1f50e45d-item-4-5 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\">T\u1ed5ng v\u00e0 gi\u1edbi h\u1ea1n: \u0111\u01b0\u1ee3c \u0111\u1ecdc chung, ch\u1ee9 kh\u00f4ng ph\u1ea3i ri\u00eang r\u1ebd;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-1f50e45d-item-4-6 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-1f50e45d-item-4-6 .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-1f50e45d-item-4-6 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\">C\u00e1c tr\u01b0\u1eddng h\u1ee3p ngo\u1ea1i l\u1ec7: \u0111\u00e3 \u0111\u01b0\u1ee3c gi\u1ea3i th\u00edch r\u00f5 r\u00e0ng tr\u01b0\u1edbc khi k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-1f50e45d-item-4-7 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-1f50e45d-item-4-7 .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-1f50e45d-item-4-7 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\">D\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3: s\u1ed1 \u0111i\u1ec7n tho\u1ea1i v\u00e0 c\u00e1c quy \u0111\u1ecbnh li\u00ean h\u1ec7 \u0111\u01b0\u1ee3c ghi l\u1ea1i \u1edf n\u01a1i d\u1ec5 t\u00ecm;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-1f50e45d-item-4-8 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-1f50e45d-item-4-8 .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-1f50e45d-item-4-8 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\">T\u00e0i li\u1ec7u h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m: c\u00f3 th\u1ec3 t\u1ea3i xu\u1ed1ng v\u00e0 l\u01b0u gi\u1eef.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u00ean trang web <a href=\"https:\/\/medicalinsurance.pl\/vi\/bao-hiem-y-te-2\/\">b\u1ea3o hi\u1ec3m y t\u1ebf tr\u1ef1c tuy\u1ebfn<\/a> b\u1ea1n c\u00f3 th\u1ec3 tham kh\u1ea3o c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m c\u00f3 s\u1eb5n tr\u00ean medicalinsurance.pl. Tuy nhi\u00ean, h\u00e3y l\u01b0u \u00fd r\u1eb1ng <strong>M\u00f4 t\u1ea3 trang web kh\u00f4ng thay th\u1ebf cho c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a h\u1ee3p \u0111\u1ed3ng<\/strong>. H\u00e3y \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh cu\u1ed1i c\u00f9ng d\u1ef1a tr\u00ean c\u00e1c t\u00e0i li\u1ec7u \u0111\u01b0\u1ee3c g\u00e1n cho s\u1ea3n ph\u1ea9m v\u00e0 bi\u1ebfn th\u1ec3 \u0111\u00e3 ch\u1ecdn.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu b\u1ea1n \u0111\u00e3 c\u00f3 \u0111\u1ea7y \u0111\u1ee7 th\u00f4ng tin c\u1ea7n thi\u1ebft, h\u00e3y mua b\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i tr\u1ef1c tuy\u1ebfn.<\/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\u1ea3o hi\u1ec3m k\u00e8m theo th\u1ebb c\u01b0 tr\u00fa tr\u1ef1c tuy\u1ebfn<\/a><\/div>\n\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc khi x\u00e1c nh\u1eadn \u0111\u01a1n \u0111\u0103ng k\u00fd, h\u00e3y ki\u1ec3m tra l\u1ea1i c\u00e1c th\u00f4ng tin, ng\u00e0y th\u00e1ng v\u00e0 ph\u1ea1m vi \u0111\u00e3 ch\u1ecdn. <strong>H\u00e3y gi\u1eef l\u1ea1i h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung<\/strong> t\u1ea1i m\u1ed9t n\u01a1i m\u00e0 ng\u01b0\u1eddi d\u00f9ng c\u00f3 th\u1ec3 truy c\u1eadp ngay c\u1ea3 khi kh\u00f4ng v\u00e0o h\u1ed9p th\u01b0 \u0111i\u1ec7n t\u1eed.<\/p>\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\">Khi x\u1ea3y ra tr\u01b0\u1eddng h\u1ee3p \u0111\u1ed9t ng\u1ed9t b\u1ecb \u1ed1m ho\u1eb7c g\u1eb7p tai n\u1ea1n, qu\u00fd kh\u00e1ch vui l\u00f2ng l\u00e0m theo h\u01b0\u1edbng d\u1eabn trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung (OWU). <strong>Tr\u01b0\u1edbc ti\u00ean, h\u00e3y s\u1eed d\u1ee5ng k\u00eanh b\u00e1o c\u00e1o ph\u00f9 h\u1ee3p<\/strong>, mi\u1ec5n l\u00e0 t\u00ecnh tr\u1ea1ng s\u1ee9c kh\u1ecfe v\u00e0 ho\u00e0n c\u1ea3nh cho ph\u00e9p. Nh\u1edd \u0111\u00f3, c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 ch\u1ec9 d\u1eabn c\u00e1c b\u01b0\u1edbc ti\u1ebfp theo v\u00e0 c\u00e1c quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c t\u1ed5 ch\u1ee9c h\u1ed7 tr\u1ee3 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u00ean thu th\u1eadp c\u00e1c t\u00e0i li\u1ec7u ngay t\u1eeb \u0111\u1ea7u. Theo \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) c\u1ee7a Compensa n\u0103m 2026, sau khi nh\u1eadn \u0111\u01b0\u1ee3c th\u00f4ng b\u00e1o v\u1ec1 s\u1ef1 c\u1ed1, c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 y\u00eau c\u1ea7u, trong s\u1ed1 nh\u1eefng 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 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb, thu\u1ed1c men, v\u1eadt t\u01b0 y t\u1ebf v\u00e0 c\u00e1c v\u1eadt d\u1ee5ng h\u1ed7 tr\u1ee3. Ph\u1ea1m vi c\u00e1c t\u00e0i li\u1ec7u c\u1ea7n thi\u1ebft t\u00f9y thu\u1ed9c v\u00e0o lo\u1ea1i s\u1ef1 c\u1ed1. <strong>\u0110\u1eebng v\u1ee9t b\u1ecf h\u00f3a \u0111\u01a1n hay c\u00e1c t\u00e0i li\u1ec7u<\/strong>, ngay c\u1ea3 khi ban \u0111\u1ea7u b\u1ea1n ch\u01b0a bi\u1ebft nh\u1eefng th\u1ee9 n\u00e0o trong s\u1ed1 \u0111\u00f3 s\u1ebd c\u1ea7n thi\u1ebft.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Chu\u1ea9n b\u1ecb:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items1f50e45d-list-5:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items1f50e45d-list-5 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-items1f50e45d-list-5 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items1f50e45d-list-5 .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-items1f50e45d-list-5 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items1f50e45d-list-5 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-items1f50e45d-list-5 ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-items1f50e45d-list-5 .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-items1f50e45d-list-5 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items1f50e45d-list-5 .kb-svg-icon-wrap{font-size:20px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items1f50e45d-list-5 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-1f50e45d-item-5-1 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-1f50e45d-item-5-1 .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-1f50e45d-item-5-1 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\">s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 th\u00f4ng tin c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-1f50e45d-item-5-2 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-1f50e45d-item-5-2 .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-1f50e45d-item-5-2 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\">m\u00f4 t\u1ea3 s\u1ef1 vi\u1ec7c ph\u00f9 h\u1ee3p v\u1edbi di\u1ec5n bi\u1ebfn th\u1ef1c t\u1ebf;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-1f50e45d-item-5-3 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-1f50e45d-item-5-3 .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-1f50e45d-item-5-3 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\">h\u1ed3 s\u01a1 \u0111\u00e3 nh\u1eadn \u0111\u01b0\u1ee3c;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-1f50e45d-item-5-4 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-1f50e45d-item-5-4 .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-1f50e45d-item-5-4 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\">c\u00e1c h\u00f3a \u0111\u01a1n, phi\u1ebfu thanh to\u00e1n v\u00e0 b\u1ea3ng d\u1ef1 to\u00e1n li\u00ean quan \u0111\u1ebfn \u0111\u01a1n \u0111\u0103ng k\u00fd;<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-1f50e45d-item-5-5 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-1f50e45d-item-5-5 .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-1f50e45d-item-5-5 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\">c\u00e1c v\u0103n b\u1ea3n trao \u0111\u1ed5i li\u00ean quan \u0111\u1ebfn v\u1ee5 vi\u1ec7c.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u0110\u1eebng \u00e1p d\u1ee5ng m\u1ed9t quy tr\u00ecnh duy nh\u1ea5t cho m\u1ecdi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.<\/strong> Lu\u00f4n c\u1ea7n ki\u1ec3m tra c\u00e1c quy \u0111\u1ecbnh v\u1ec1 li\u00ean h\u1ec7, t\u1ed5 ch\u1ee9c h\u1ed7 tr\u1ee3 v\u00e0 ghi ch\u00e9p s\u1ef1 c\u1ed1 trong c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a h\u1ee3p \u0111\u1ed3ng c\u1ee7a ch\u00ednh m\u00ecnh. \u0110\u00e2y l\u00e0 m\u1ed9t l\u00fd do n\u1eefa \u0111\u1ec3 tr\u01b0\u1edbc khi mua h\u00e0ng, b\u1ea1n n\u00ean ch\u1ecdn s\u1ea3n ph\u1ea9m c\u00f3 t\u00e0i li\u1ec7u r\u00f5 r\u00e0ng v\u00e0 d\u1ec5 ti\u1ebfp c\u1eadn.<\/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\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-kazda-osoba-potrzebuje-identycznej-polisy\">C\u00f3 ph\u1ea3i m\u1ecdi ng\u01b0\u1eddi n\u1ed9p \u0111\u01a1n xin th\u1ebb c\u01b0 tr\u00fa \u0111\u1ec1u c\u1ea7n m\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m gi\u1ed1ng h\u1ec7t nhau kh\u00f4ng?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng n\u00ean \u00e1p d\u1ee5ng m\u1ed9t b\u1ed9 ti\u00eau ch\u00ed duy nh\u1ea5t cho t\u1ea5t c\u1ea3 c\u00e1c tr\u01b0\u1eddng h\u1ee3p. <strong>C\u1ea7n x\u00e1c nh\u1eadn c\u00e1c y\u00eau c\u1ea7u \u0111\u1ed1i v\u1edbi th\u1ee7 t\u1ee5c c\u1ee5 th\u1ec3 \u0111\u00f3<\/strong>, sau \u0111\u00f3 l\u1ef1a ch\u1ecdn th\u1eddi h\u1ea1n, ph\u1ea1m vi \u0111\u1ecba l\u00fd v\u00e0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p v\u1edbi t\u00ecnh hu\u1ed1ng c\u1ee5 th\u1ec3 c\u1ee7a t\u1eebng ng\u01b0\u1eddi. H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m kh\u00f4ng \u0111\u1ea3m b\u1ea3o k\u1ebft qu\u1ea3 quy\u1ebft \u0111\u1ecbnh c\u1ee7a c\u01a1 quan ch\u1ee9c n\u0103ng.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-najwyzsza-suma-oznacza-najlepszy-wybor\">M\u1ee9c b\u1ea3o hi\u1ec3m t\u1ed1i \u0111a c\u00f3 ph\u1ea3i l\u00e0 l\u1ef1a ch\u1ecdn t\u1ed1t nh\u1ea5t kh\u00f4ng?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng. S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m l\u00e0 y\u1ebfu t\u1ed1 quan tr\u1ecdng, nh\u01b0ng c\u1ea7n ph\u1ea3i xem x\u00e9t n\u00f3 c\u00f9ng v\u1edbi c\u00e1c m\u1ee9c gi\u1edbi h\u1ea1n, c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb, ph\u1ea1m vi s\u1ef1 ki\u1ec7n v\u00e0 c\u00e1c quy \u0111\u1ecbnh v\u1ec1 d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3. <strong>M\u1ed9t th\u00f4ng s\u1ed1 duy nh\u1ea5t kh\u00f4ng th\u1ec3 ph\u1ea3n \u00e1nh \u0111\u1ea7y \u0111\u1ee7 m\u1ee9c \u0111\u1ed9 b\u1ea3o v\u1ec7.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-nnw-i-oc-zawsze-sa-w-cenie\">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 c\u00f3 ph\u1ea3i l\u00fac n\u00e0o c\u0169ng \u0111\u00e3 bao g\u1ed3m trong gi\u00e1 kh\u00f4ng?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng th\u1ec3 gi\u1ea3 \u0111\u1ecbnh \u0111i\u1ec1u \u0111\u00f3. Trong c\u00e1c t\u00e0i li\u1ec7u c\u1ee7a TUZ Ubezpieczenia n\u0103m 2026, 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 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh d\u01b0\u1edbi d\u1ea1ng c\u00e1c \u0111i\u1ec1u kho\u1ea3n b\u1ed5 sung. <strong>Ki\u1ec3m tra xem c\u00e1c \u0111i\u1ec1u kho\u1ea3n n\u00e0y c\u00f3 \u0111\u01b0\u1ee3c bao g\u1ed3m trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u00e3 ch\u1ecdn hay kh\u00f4ng<\/strong>, b\u1edfi v\u00ec vi\u1ec7c ch\u1ec9 n\u00eau t\u00ean ph\u1ea7n m\u1edf r\u1ed9ng trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung (OWU) kh\u00f4ng \u0111\u1ee7 \u0111\u1ec3 x\u00e1c nh\u1eadn r\u1eb1ng ph\u1ea7n m\u1edf r\u1ed9ng \u0111\u00f3 \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u01b0a v\u00e0o m\u1ed9t h\u1ee3p \u0111\u1ed3ng c\u1ee5 th\u1ec3.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-ubezpieczenie-sluzy-do-planowanego-leczenia\">B\u1ea3o hi\u1ec3m c\u00f3 \u00e1p d\u1ee5ng cho vi\u1ec7c \u0111i\u1ec1u tr\u1ecb theo k\u1ebf ho\u1ea1ch kh\u00f4ng?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">B\u1ea3o hi\u1ec3m KLC c\u1ea7n \u0111\u01b0\u1ee3c xem x\u00e9t nh\u01b0 m\u1ed9t h\u00ecnh th\u1ee9c b\u1ea3o v\u1ec7 trong tr\u01b0\u1eddng h\u1ee3p x\u1ea3y ra c\u00e1c s\u1ef1 c\u1ed1 kh\u1ea9n c\u1ea5p \u0111\u00f2i h\u1ecfi s\u1ef1 tr\u1ee3 gi\u00fap c\u1ea7n thi\u1ebft, theo ph\u1ea1m vi quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng c\u1ee5 th\u1ec3. <strong>\u0110\u1eebng coi \u0111\u00f3 l\u00e0 m\u1ed9t g\u00f3i c\u00e1c d\u1ecbch v\u1ee5 \u0111\u00e3 \u0111\u01b0\u1ee3c l\u00ean k\u1ebf ho\u1ea1ch.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"jakie-dokumenty-moga-byc-potrzebne-po-szkodzie\">Nh\u1eefng lo\u1ea1i gi\u1ea5y t\u1edd n\u00e0o c\u00f3 th\u1ec3 c\u1ea7n thi\u1ebft sau khi x\u1ea3y ra s\u1ef1 c\u1ed1?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">T\u00f9y thu\u1ed9c v\u00e0o t\u1eebng tr\u01b0\u1eddng h\u1ee3p, c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 y\u00eau c\u1ea7u cung c\u1ea5p c\u00e1c t\u00e0i li\u1ec7u li\u00ean quan \u0111\u1ebfn vi\u1ec7c \u0111i\u1ec1u tr\u1ecb c\u0169ng nh\u01b0 c\u00e1c h\u00f3a \u0111\u01a1n, bi\u00ean lai ho\u1eb7c b\u1ea3ng k\u00ea chi ph\u00ed. Qu\u00fd v\u1ecb n\u00ean tham kh\u1ea3o h\u1ee3p \u0111\u1ed3ng c\u1ee7a m\u00ecnh \u0111\u1ec3 bi\u1ebft danh s\u00e1ch c\u1ee5 th\u1ec3 v\u00e0 th\u1ee7 t\u1ee5c chi ti\u1ebft. <strong>H\u00e3y thu th\u1eadp \u0111\u1ea7y \u0111\u1ee7 c\u00e1c t\u00e0i li\u1ec7u ngay t\u1eeb khi s\u1ef1 vi\u1ec7c x\u1ea3y ra.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-mozna-wskazac-jedna-najtansza-polise\">C\u00f3 th\u1ec3 ch\u1ec9 ra m\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m r\u1ebb nh\u1ea5t kh\u00f4ng?<\/h3>\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng th\u1ec3 thi\u1ebfu c\u00e1c t\u00ednh to\u00e1n t\u01b0\u01a1ng \u0111\u01b0\u01a1ng v\u00e0 c\u1eadp nh\u1eadt cho c\u00f9ng m\u1ed9t ng\u01b0\u1eddi, c\u00f9ng m\u1ed9t kho\u1ea3ng th\u1eddi gian v\u00e0 c\u00f9ng m\u1ed9t ph\u1ea1m vi. M\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m ph\u1ee5 thu\u1ed9c v\u00e0o th\u00f4ng tin c\u1ee5 th\u1ec3 trong \u0111\u01a1n \u0111\u0103ng k\u00fd. <strong>So s\u00e1nh c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m tr\u00ean c\u01a1 s\u1edf c\u00e1c \u0111i\u1ec1u ki\u1ec7n nh\u01b0 nhau<\/strong>, thay v\u00ec ch\u1ec9 ch\u1ecdn m\u1ee9c gi\u00e1 th\u1ea5p nh\u1ea5t.<\/p>\n\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">M\u1ed9t g\u00f3i b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p v\u1edbi th\u1ebb c\u01b0 tr\u00fa s\u1ebd \u0111\u00e1p \u1ee9ng hai m\u1ee5c \u0111\u00edch: cung c\u1ea5p t\u00e0i li\u1ec7u c\u1ea7n thi\u1ebft cho m\u1ed9t tr\u01b0\u1eddng h\u1ee3p c\u1ee5 th\u1ec3 v\u00e0 \u0111\u1ea3m b\u1ea3o s\u1ef1 b\u1ea3o v\u1ec7 trong c\u00e1c t\u00ecnh hu\u1ed1ng kh\u1ea9n c\u1ea5p theo c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a h\u1ee3p \u0111\u1ed3ng. Tr\u00ecnh t\u1ef1 an to\u00e0n nh\u1ea5t l\u00e0: x\u00e1c nh\u1eadn c\u00e1c y\u00eau c\u1ea7u, ki\u1ec3m tra \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung, ki\u1ec3m tra th\u00f4ng tin v\u00e0 ng\u00e0y th\u00e1ng, v\u00e0 ch\u1ec9 sau \u0111\u00f3 m\u1edbi ti\u1ebfn h\u00e0nh mua. <strong>H\u00e3y \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh d\u1ef1a tr\u00ean c\u00e1c t\u00e0i li\u1ec7u \u0111\u1ea7y \u0111\u1ee7<\/strong>, ch\u1ee9 kh\u00f4ng ph\u1ea3i ch\u1ec9 d\u1ef1a v\u00e0o m\u1ed9t t\u1eeb kh\u00f3a hay m\u1ee9c gi\u00e1 duy nh\u1ea5t.<\/p>","protected":false},"excerpt":{"rendered":"<p>Vi\u1ec7c l\u1ef1a ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m k\u00e8m theo th\u1ebb c\u01b0 tr\u00fa kh\u00f4ng n\u00ean b\u1eaft \u0111\u1ea7u t\u1eeb m\u1ee9c gi\u00e1 hay t\u00ean g\u00f3i b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c ch\u1ecdn ng\u1eabu nhi\u00ean. Tr\u01b0\u1edbc ti\u00ean, c\u1ea7n x\u00e1c \u0111\u1ecbnh lo\u1ea1i gi\u1ea5y t\u1edd\u2026<\/p>","protected":false},"author":1,"featured_media":3405,"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":[25],"tags":[66,69,68,67],"class_list":["post-3406","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ubezpieczenie-zdrowotne-do-karty-pobytu","tag-karta-pobytu-w-polsce","tag-ogolne-warunki-ubezpieczenia","tag-polisa-do-pobytu","tag-ubezpieczenie-zdrowotne-cudzoziemca"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v28.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Jakie ubezpieczenie do karty pobytu wybra\u0107? 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