{"id":3412,"date":"2026-10-29T00:31:30","date_gmt":"2026-10-28T23:31:30","guid":{"rendered":"https:\/\/medicalinsurance.pl\/?p=3412"},"modified":"2026-10-29T00:31:30","modified_gmt":"2026-10-28T23:31:30","slug":"tai-sao-nen-tham-gia-bao-hiem-tai-nan-lao-dong","status":"publish","type":"post","link":"https:\/\/medicalinsurance.pl\/vi\/poradnik\/ubezpieczenie-nnw-indywidualne\/dlaczego-warto-miec-nnw\/","title":{"rendered":"T\u1ea1i sao n\u00ean tham gia b\u1ea3o hi\u1ec3m tai n\u1ea1n? 5 l\u1ee3i \u00edch quan tr\u1ecdng nh\u1ea5t"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Tai n\u1ea1n kh\u00f4ng k\u1ebft th\u00fac ngay t\u1ea1i th\u1eddi \u0111i\u1ec3m x\u1ea3y ra. Sau \u0111\u00f3 l\u00e0 qu\u00e1 tr\u00ecnh \u0111i\u1ec1u tr\u1ecb, ph\u1ee5c h\u1ed3i ch\u1ee9c n\u0103ng, c\u00e1c th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh v\u00e0 c\u00e1c kho\u1ea3n chi ph\u00ed m\u00e0 tr\u01b0\u1edbc \u0111\u00f3 kh\u00f4ng th\u1ec3 d\u1ef1 \u0111o\u00e1n ch\u00ednh x\u00e1c \u0111\u01b0\u1ee3c. B\u1ea3o hi\u1ec3m tai n\u1ea1n c\u00e1 nh\u00e2n c\u00f3 th\u1ec3 \u0111\u1ea3m b\u1ea3o quy\u1ec1n l\u1ee3i cho nh\u1eefng h\u1eadu qu\u1ea3 c\u1ee7a s\u1ef1 c\u1ed1 n\u1eb1m trong ph\u1ea1m vi h\u1ee3p \u0111\u1ed3ng, nh\u01b0ng t\u00ednh h\u1eefu \u00edch c\u1ee7a n\u00f3 ph\u1ee5 thu\u1ed9c v\u00e0o ph\u1ea1m vi b\u1ea3o hi\u1ec3m \u0111\u00e3 ch\u1ecdn, s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c quy \u0111\u1ecbnh \u0111\u01b0\u1ee3c n\u00eau trong \u0110i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chung. Do \u0111\u00f3, c\u00e2u h\u1ecfi \u201eli\u1ec7u c\u00f3 \u0111\u00e1ng kh\u00f4ng?\u201d c\u1ea7n \u0111\u01b0\u1ee3c \u0111\u1eb7t c\u00f9ng v\u1edbi c\u00e2u h\u1ecfi th\u1ee9 hai: \u201ech\u00ednh x\u00e1c th\u00ec t\u00f4i \u0111ang mua g\u00ec?\u201d.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D\u01b0\u1edbi \u0111\u00e2y, ch\u00fang t\u00f4i s\u1ebd ph\u00e2n t\u00edch n\u0103m l\u1ee3i \u00edch thi\u1ebft th\u1ef1c, \u0111\u1ed3ng th\u1eddi ch\u1ec9 ra c\u00e1ch \u0111\u1ec3 kh\u00f4ng nh\u1ea7m l\u1eabn gi\u1eefa t\u00ean g\u1ecdi chung c\u1ee7a s\u1ea3n ph\u1ea9m v\u1edbi ph\u1ea1m vi b\u1ea3o hi\u1ec3m th\u1ef1c t\u1ebf. C\u00e1c v\u00ed d\u1ee5 t\u1eeb PZU, Compensa, TUZ Ubezpieczenia v\u00e0 Wiener \u0111\u01b0\u1ee3c \u0111\u01b0a ra nh\u1eb1m l\u00e0m r\u00f5 c\u00e1c c\u01a1 ch\u1ebf c\u1ee5 th\u1ec3 \u0111\u01b0\u1ee3c m\u00f4 t\u1ea3 trong t\u00e0i li\u1ec7u c\u1ee7a c\u00e1c c\u00f4ng ty n\u00e0y. C\u1ea7n nh\u1ea5n m\u1ea1nh r\u1eb1ng c\u00e1c s\u1ea3n ph\u1ea9m n\u00e0y kh\u00f4ng t\u1ea1o th\u00e0nh m\u1ed9t g\u00f3i b\u1ea3o hi\u1ec3m chung v\u00e0 kh\u00f4ng c\u00f3 ngh\u0129a l\u00e0 m\u1ecdi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m tai n\u1ea1n \u0111\u1ec1u ho\u1ea1t \u0111\u1ed9ng gi\u1ed1ng nhau.<\/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<li><a href=\"#co-daje-nnw\">Th\u1ef1c ra, b\u1ea3o hi\u1ec3m tai n\u1ea1n mang l\u1ea1i nh\u1eefng l\u1ee3i \u00edch g\u00ec?<\/a><\/li>\n\n\n\n<li><a href=\"#piec-korzysci\">N\u0103m l\u1ee3i \u00edch quan tr\u1ecdng nh\u1ea5t c\u1ee7a b\u1ea3o hi\u1ec3m tai n\u1ea1n<\/a><\/li>\n\n\n\n<li><a href=\"#jak-sprawdzic-zakres\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 bi\u1ebft ph\u1ea1m vi n\u00e0y c\u00f3 ph\u00f9 h\u1ee3p v\u1edbi cu\u1ed9c s\u1ed1ng c\u1ee7a b\u1ea1n kh\u00f4ng?<\/a><\/li>\n\n\n\n<li><a href=\"#po-wypadku\">Ph\u1ea3i l\u00e0m g\u00ec sau khi x\u1ea3y ra tai n\u1ea1n?<\/a><\/li>\n\n\n\n<li><a href=\"#faq\">C\u00e1c c\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p nh\u1ea5t v\u1ec1 b\u1ea3o hi\u1ec3m tai n\u1ea1n lao \u0111\u1ed9ng<\/a><\/li>\n\n\n\n<li><a href=\"#wniosek\">K\u1ebft lu\u1eadn: Gi\u00e1 tr\u1ecb c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m n\u1eb1m \u1edf nh\u1eefng chi ti\u1ebft<\/a><\/li>\n<\/ol>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"co-daje-nnw\">Th\u1ef1c ra, b\u1ea3o hi\u1ec3m tai n\u1ea1n mang l\u1ea1i nh\u1eefng l\u1ee3i \u00edch g\u00ec?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">B\u1ea3o hi\u1ec3m tai n\u1ea1n (NNW) \u00e1p d\u1ee5ng cho c\u00e1c h\u1eadu qu\u1ea3 c\u1ee7a c\u00e1c s\u1ef1 ki\u1ec7n \u0111\u01b0\u1ee3c m\u00f4 t\u1ea3 trong h\u1ee3p \u0111\u1ed3ng. Theo \u0110i\u1ec1u kho\u1ea3n chung c\u1ee7a PZU v\u1ec1 B\u1ea3o hi\u1ec3m tai n\u1ea1n (NNW), \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m l\u00e0 c\u00e1c h\u1eadu qu\u1ea3 c\u1ee7a tai n\u1ea1n b\u1ea3o hi\u1ec3m ho\u1eb7c ch\u00ednh s\u1ef1 ki\u1ec7n tai n\u1ea1n \u0111\u00f3 x\u1ea3y ra, v\u00e0 h\u1ee3p \u0111\u1ed3ng c\u00f3 th\u1ec3 c\u00f3 ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u01a1 b\u1ea3n ho\u1eb7c m\u1edf r\u1ed9ng. \u0110i\u1ec1u n\u00e0y minh h\u1ecda r\u00f5 r\u00e0ng nguy\u00ean t\u1eafc quan tr\u1ecdng nh\u1ea5t: <strong>N\u1ed9i dung c\u1ee5 th\u1ec3 c\u1ee7a h\u1ee3p \u0111\u1ed3ng l\u00e0 y\u1ebfu t\u1ed1 then ch\u1ed1t<\/strong>, ch\u1ee9 kh\u00f4ng ph\u1ea3i ch\u1ec9 ri\u00eang t\u1eeb \u201eNNW\u201d tr\u00ean trang \u0111\u1ea7u ti\u00ean c\u1ee7a t\u00e0i li\u1ec7u.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 cung c\u1ea5p h\u1ed7 tr\u1ee3 t\u00e0i ch\u00ednh sau khi s\u1ef1 c\u1ed1 x\u1ea3y ra, mi\u1ec5n l\u00e0 c\u00e1c \u0111i\u1ec1u ki\u1ec7n chi tr\u1ea3 \u0111\u01b0\u1ee3c \u0111\u00e1p \u1ee9ng. Tuy nhi\u00ean, kh\u00f4ng ph\u1ea3i m\u1ecdi ch\u1ea5n th\u01b0\u01a1ng \u0111\u1ec1u k\u00edch ho\u1ea1t m\u1ecdi kho\u1ea3n b\u1ed3i th\u01b0\u1eddng \u2013 c\u00e1c y\u1ebfu t\u1ed1 then ch\u1ed1t bao g\u1ed3m \u0111\u1ecbnh ngh\u0129a, g\u00f3i b\u1ea3o hi\u1ec3m \u0111\u00e3 ch\u1ecdn, s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m, c\u00e1c gi\u1edbi h\u1ea1n v\u00e0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nh\u1eefng ai mu\u1ed1n l\u00e0m r\u00f5 c\u00e1c kh\u00e1i ni\u1ec7m c\u01a1 b\u1ea3n tr\u01b0\u1edbc ti\u00ean c\u00f3 th\u1ec3 \u0111\u1ecdc ph\u1ea7n gi\u1ea3i th\u00edch n\u00e0y <a href=\"https:\/\/medicalinsurance.pl\/vi\/cam-nang\/bao-hiem-tai-nan-ca-nhan\/nnw-la-gi-giai-thich-va-nhung-thong-tin-quan-trong-nhat\/\">C\u00e1c nguy\u00ean t\u1eafc c\u01a1 b\u1ea3n v\u1ec1 ho\u1ea1t \u0111\u1ed9ng c\u1ee7a NNW<\/a>. Nh\u1edd \u0111\u00f3, vi\u1ec7c ph\u00e2n bi\u1ec7t t\u00ean c\u1ee7a kho\u1ea3n tr\u1ee3 c\u1ea5p v\u1edbi c\u00e1c \u0111i\u1ec1u ki\u1ec7n c\u1ea7n \u0111\u00e1p \u1ee9ng \u0111\u1ec3 \u0111\u01b0\u1ee3c h\u01b0\u1edfng kho\u1ea3n tr\u1ee3 c\u1ea5p \u0111\u00f3 s\u1ebd tr\u1edf n\u00ean d\u1ec5 d\u00e0ng h\u01a1n.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"piec-korzysci\">N\u0103m l\u1ee3i \u00edch quan tr\u1ecdng nh\u1ea5t c\u1ee7a b\u1ea3o hi\u1ec3m tai n\u1ea1n<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"swiadczenie-po-wypadku\">1. Kho\u1ea3n tr\u1ee3 c\u1ea5p n\u00e0y c\u00f3 th\u1ec3 gi\u00fap \u0111\u1ee1 v\u1ec1 m\u1eb7t t\u00e0i ch\u00ednh sau tai n\u1ea1n<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">L\u1ee3i \u00edch \u0111\u1ea7u ti\u00ean l\u00e0 kh\u1ea3 n\u0103ng nh\u1eadn \u0111\u01b0\u1ee3c kho\u1ea3n b\u1ed3i th\u01b0\u1eddng khi s\u1ef1 ki\u1ec7n v\u00e0 h\u1eadu qu\u1ea3 c\u1ee7a n\u00f3 n\u1eb1m trong ph\u1ea1m vi c\u1ee7a h\u1ee3p \u0111\u1ed3ng. Trong t\u00e0i li\u1ec7u c\u1ee7a Compensa, s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c n\u00eau r\u00f5 l\u00e0 <strong>gi\u1edbi h\u1ea1n t\u1ed1i \u0111a v\u1ec1 tr\u00e1ch nhi\u1ec7m c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m<\/strong>. \u0110\u1ed1i v\u1edbi m\u1ed9t s\u1ed1 s\u1ef1 ki\u1ec7n \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, s\u1ed1 ti\u1ec1n b\u1ed3i th\u01b0\u1eddng c\u00f3 th\u1ec3 t\u01b0\u01a1ng \u1ee9ng v\u1edbi to\u00e0n b\u1ed9 s\u1ed1 ti\u1ec1n, c\u00f2n trong tr\u01b0\u1eddng h\u1ee3p thi\u1ec7t h\u1ea1i, s\u1ed1 ti\u1ec1n b\u1ed3i th\u01b0\u1eddng c\u00f3 th\u1ec3 l\u00e0 m\u1ed9t t\u1ef7 l\u1ec7 ph\u1ea7n tr\u0103m \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh theo b\u1ea3ng quy \u0111\u1ecbnh trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Do \u0111\u00f3, kh\u00f4ng th\u1ec3 \u0111\u00e1nh gi\u00e1 m\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m m\u1ed9t c\u00e1ch \u0111\u00e1ng tin c\u1eady ch\u1ec9 d\u1ef1a tr\u00ean m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m. C\u1ea7n ph\u1ea3i xem x\u00e9t m\u1ee9c ph\u00ed n\u00e0y c\u00f9ng v\u1edbi m\u1ee9c b\u1ed3i th\u01b0\u1eddng v\u00e0 ph\u01b0\u01a1ng th\u1ee9c t\u00ednh to\u00e1n quy\u1ec1n l\u1ee3i. <strong>B\u1ea3ng c\u00e1c kho\u1ea3n tr\u1ee3 c\u1ea5p \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn k\u1ebft qu\u1ea3<\/strong>, nh\u01b0ng c\u1ea5u tr\u00fac c\u1ee7a n\u00f3 ph\u1ee5 thu\u1ed9c v\u00e0o t\u1eebng s\u1ea3n ph\u1ea9m. Kh\u00f4ng \u0111\u01b0\u1ee3c cho r\u1eb1ng c\u00f9ng m\u1ed9t t\u1ed5n th\u1ea5t s\u1ebd \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft theo c\u00e1ch gi\u1ed1ng h\u1ec7t nhau trong m\u1ecdi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc khi k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng, h\u00e3y ki\u1ec3m tra m\u1ee9c b\u1ed3i th\u01b0\u1eddng \u00e1p d\u1ee5ng cho quy\u1ec1n l\u1ee3i m\u00e0 b\u1ea1n quan t\u00e2m v\u00e0 c\u00e1ch c\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) quy \u0111\u1ecbnh m\u1ed1i li\u00ean h\u1ec7 gi\u1eefa m\u1ee9c \u0111\u1ed9 thi\u1ec7t h\u1ea1i v\u00e0 kho\u1ea3n thanh to\u00e1n. Gi\u00e1 c\u1ea3, \u0111\u01b0\u1ee3c tr\u00ecnh b\u00e0y chi ti\u1ebft h\u01a1n trong c\u1ea9m nang v\u1ec1 <a href=\"https:\/\/medicalinsurance.pl\/vi\/cam-nang\/bao-hiem-tai-nan-ca-nhan\/chi-phi-bao-hiem-tai-nan-ca-nhan-la-bao-nhieu-cong-cu-tinh-phi-bao-hiem\/\">chi ph\u00ed b\u1ea3o hi\u1ec3m tai n\u1ea1n c\u00e1 nh\u00e2n<\/a>, h\u00e3y lu\u00f4n \u0111\u00e1nh gi\u00e1 c\u00f9ng v\u1edbi ph\u1ea1m vi.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"dopasowanie-zakresu\">2. Ph\u1ea1m vi c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh cho ph\u00f9 h\u1ee3p v\u1edbi nh\u1eefng h\u1eadu qu\u1ea3 d\u1ef1 ki\u1ebfn c\u1ee7a s\u1ef1 ki\u1ec7n<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">L\u1ee3i \u00edch th\u1ee9 hai l\u00e0 kh\u1ea3 n\u0103ng l\u1ef1a ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p v\u1edbi nhu c\u1ea7u th\u1ef1c t\u1ebf. Trong g\u00f3i b\u1ea3o hi\u1ec3m PZU NNW Og\u00f3lne, m\u1ed9t trong nh\u1eefng ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u01a1 b\u1ea3n \u0111\u01b0\u1ee3c m\u00f4 t\u1ea3 bao g\u1ed3m quy\u1ec1n l\u1ee3i khi t\u1eed vong v\u00e0 d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3 sau tai n\u1ea1n tr\u00ean l\u00e3nh th\u1ed5 Ba Lan. M\u1ed9t ph\u1ea1m vi b\u1ea3o hi\u1ec3m kh\u00e1c bao g\u1ed3m quy\u1ec1n l\u1ee3i b\u1ed3i th\u01b0\u1eddng do th\u01b0\u01a1ng t\u1eadt v\u0129nh vi\u1ec5n, c\u0169ng nh\u01b0 ho\u00e0n tr\u1ea3 c\u00e1c chi ph\u00ed c\u1ee5 th\u1ec3 li\u00ean quan \u0111\u1ebfn d\u1ee5ng c\u1ee5 ch\u1ec9nh h\u00ecnh, thi\u1ebft b\u1ecb h\u1ed7 tr\u1ee3 v\u00e0 \u0111\u00e0o t\u1ea1o ngh\u1ec1.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u00e2y l\u00e0 <strong>c\u00e1c ph\u1ea1m vi thay th\u1ebf c\u1ee7a m\u1ed9t s\u1ea3n ph\u1ea9m c\u1ee5 th\u1ec3<\/strong>, ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 s\u1ef1 k\u1ebft h\u1ee3p c\u1ee7a t\u1ea5t c\u1ea3 c\u00e1c y\u1ebfu t\u1ed1 n\u00e0y trong m\u1ed7i h\u1ee3p \u0111\u1ed3ng. V\u00ed d\u1ee5 n\u00e0y cho th\u1ea5y l\u00fd do t\u1ea1i sao ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u1ea7n \u0111\u01b0\u1ee3c l\u1ef1a ch\u1ecdn sao cho ph\u00f9 h\u1ee3p v\u1edbi nh\u1eefng h\u1eadu qu\u1ea3 m\u00e0 b\u1ea1n quan t\u00e2m nh\u1ea5t.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y ki\u1ec3m tra xem nh\u1eefng kho\u1ea3n tr\u1ee3 c\u1ea5p n\u00e0o l\u00e0 c\u01a1 b\u1ea3n, nh\u1eefng kho\u1ea3n n\u00e0o c\u1ea7n \u0111\u01b0\u1ee3c m\u1edf r\u1ed9ng v\u00e0 c\u00e1c kho\u1ea3n \u0111\u00f3 c\u00f3 gi\u1edbi h\u1ea1n nh\u01b0 th\u1ebf n\u00e0o. <strong>Ti\u1ec7n \u00edch m\u1edf r\u1ed9ng kh\u00f4ng ho\u1ea1t \u0111\u1ed9ng t\u1ef1 \u0111\u1ed9ng<\/strong> \u2014 ph\u1ea3i \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"pory-i-miejsca\">3. Vi\u1ec7c b\u1ea3o v\u1ec7 c\u00f3 th\u1ec3 bao g\u1ed3m c\u00e1c th\u1eddi \u0111i\u1ec3m v\u00e0 \u0111\u1ecba \u0111i\u1ec3m kh\u00e1c nhau<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">L\u1ee3i \u00edch th\u1ee9 ba l\u00e0 kh\u1ea3 n\u0103ng l\u1ef1a ch\u1ecdn ph\u1ea1m vi th\u1eddi gian v\u00e0 \u0111\u1ecba l\u00fd. \u0110i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chung (OWU) c\u1ee7a TUZ Ubezpieczenia quy \u0111\u1ecbnh hai ph\u01b0\u01a1ng \u00e1n: ph\u01b0\u01a1ng \u00e1n to\u00e0n di\u1ec7n, c\u00f3 hi\u1ec7u l\u1ef1c 24 gi\u1edd m\u1ed7i ng\u00e0y, v\u00e0 ph\u01b0\u01a1ng \u00e1n gi\u1edbi h\u1ea1n trong th\u1eddi gian l\u00e0m vi\u1ec7c c\u0169ng nh\u01b0 qu\u00e3ng \u0111\u01b0\u1eddng \u0111i l\u00e0m v\u00e0 v\u1ec1 nh\u00e0. T\u00e0i li\u1ec7u n\u00e0y c\u0169ng m\u00f4 t\u1ea3 tr\u00e1ch nhi\u1ec7m \u0111\u1ed1i v\u1edbi c\u00e1c s\u1ef1 c\u1ed1 \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m t\u1ea1i Ba Lan v\u00e0 \u1edf n\u01b0\u1edbc ngo\u00e0i, tu\u00e2n theo c\u00e1c gi\u1edbi h\u1ea1n quy \u0111\u1ecbnh trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) v\u00e0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n b\u1ed5 sung.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110i\u1ec1u n\u00e0y kh\u00f4ng c\u00f3 ngh\u0129a l\u00e0 m\u1ecdi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u1ec1u c\u00f3 hi\u1ec7u l\u1ef1c 24\/24 v\u00e0 \u1edf n\u01b0\u1edbc ngo\u00e0i. Th\u1eddi gian v\u00e0 ph\u1ea1m vi \u0111\u1ecba l\u00fd \u00e1p d\u1ee5ng b\u1ea3o hi\u1ec3m l\u00e0 nh\u1eefng y\u1ebfu t\u1ed1 c\u1ea7n \u0111\u01b0\u1ee3c ki\u1ec3m tra ri\u00eang bi\u1ec7t.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">X\u00e1c \u0111\u1ecbnh th\u1eddi \u0111i\u1ec3m t\u00ednh n\u0103ng b\u1ea3o v\u1ec7 ho\u1ea1t \u0111\u1ed9ng v\u00e0 ph\u1ea1m vi \u00e1p d\u1ee5ng c\u1ee7a n\u00f3. <strong>Ph\u1ea1m vi l\u00e3nh th\u1ed5 c\u1ea7n \u0111\u01b0\u1ee3c x\u00e1c nh\u1eadn trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung<\/strong>, v\u00e0 vi\u1ec7c \u0111\u1ec1 c\u1eadp \u0111\u1ebfn n\u01b0\u1edbc ngo\u00e0i kh\u00f4ng l\u00e0m b\u00e3i b\u1ecf c\u00e1c h\u1ea1n ch\u1ebf hay ngo\u1ea1i l\u1ec7.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"uslugi-i-zwrot-kosztow\">4. H\u1ee3p \u0111\u1ed3ng c\u00f3 th\u1ec3 bao g\u1ed3m c\u00e1c d\u1ecbch v\u1ee5 th\u1ef1c t\u1ebf v\u00e0 vi\u1ec7c ho\u00e0n tr\u1ea3 m\u1ed9t s\u1ed1 chi ph\u00ed c\u1ee5 th\u1ec3<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">L\u1ee3i \u00edch th\u1ee9 t\u01b0 kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o c\u0169ng ch\u1ec9 gi\u1edbi h\u1ea1n \u1edf kho\u1ea3n thanh to\u00e1n ti\u1ec1n m\u1eb7t m\u1ed9t l\u1ea7n. T\u00f9y thu\u1ed9c v\u00e0o s\u1ea3n ph\u1ea9m \u0111\u01b0\u1ee3c l\u1ef1a ch\u1ecdn v\u00e0 ph\u1ea1m vi c\u1ee7a h\u1ee3p \u0111\u1ed3ng, l\u1ee3i \u00edch n\u00e0y c\u0169ng c\u00f3 th\u1ec3 bao g\u1ed3m c\u00e1c d\u1ecbch v\u1ee5 ho\u1eb7c vi\u1ec7c ho\u00e0n tr\u1ea3 c\u00e1c chi ph\u00ed c\u1ee5 th\u1ec3. V\u00ed d\u1ee5, trong s\u1ea3n ph\u1ea9m PZU NNW Og\u00f3lne, m\u1ed9t trong c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m quy \u0111\u1ecbnh d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3 sau tai n\u1ea1n, trong khi g\u00f3i kh\u00e1c quy \u0111\u1ecbnh vi\u1ec7c ho\u00e0n tr\u1ea3 chi ph\u00ed mua c\u00e1c d\u1ee5ng c\u1ee5 ch\u1ec9nh h\u00ecnh v\u00e0 thi\u1ebft b\u1ecb h\u1ed7 tr\u1ee3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u1ede \u0111\u00e2y, ng\u01b0\u1eddi ta r\u1ea5t d\u1ec5 r\u01a1i v\u00e0o t\u00ecnh tr\u1ea1ng \u0111\u01a1n gi\u1ea3n h\u00f3a qu\u00e1 m\u1ee9c. <strong>D\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3 v\u00e0 ho\u00e0n tr\u1ea3 chi ph\u00ed l\u00e0 hai lo\u1ea1i quy\u1ec1n l\u1ee3i ri\u00eang bi\u1ec7t<\/strong>, c\u00f3 th\u1ec3 n\u1eb1m trong c\u00e1c ph\u1ea1m vi kh\u00e1c nhau. Kh\u00f4ng n\u00ean g\u1ed9p ch\u00fang l\u1ea1i th\u00e0nh m\u1ed9t g\u00f3i \u1ea3o hay cho r\u1eb1ng \u0111\u00f3 l\u00e0 ti\u00eau chu\u1ea9n th\u1ecb tr\u01b0\u1eddng.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y ki\u1ec3m tra xem h\u00ecnh th\u1ee9c h\u1ed7 tr\u1ee3 m\u00e0 b\u1ea1n quan t\u00e2m l\u00e0 c\u01a1 b\u1ea3n, b\u1ed5 sung hay kh\u00f4ng c\u00f3 s\u1eb5n trong g\u00f3i d\u1ecbch v\u1ee5 \u0111\u00f3. H\u00e3y l\u01b0u \u00fd c\u00e1c gi\u1edbi h\u1ea1n v\u00e0 \u0111i\u1ec1u ki\u1ec7n \u00e1p d\u1ee5ng. Th\u00f4ng tin c\u1eadp nh\u1eadt <a href=\"https:\/\/medicalinsurance.pl\/vi\/nnw-ca-nhan\/\">B\u1ea3o hi\u1ec3m tai n\u1ea1n c\u00e1 nh\u00e2n<\/a> H\u00e3y ph\u00e2n t\u00edch d\u1ef1a tr\u00ean c\u00e1c d\u1ecbch v\u1ee5 c\u1ee5 th\u1ec3, ch\u1ee9 kh\u00f4ng ph\u1ea3i d\u1ef1a tr\u00ean \u0111\u1ed9 d\u00e0i c\u1ee7a danh s\u00e1ch c\u00e1c t\u1eeb kh\u00f3a.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"procedura-zgloszenia\">5. Quy tr\u00ecnh r\u00f5 r\u00e0ng gi\u00fap vi\u1ec7c chu\u1ea9n b\u1ecb h\u1ed3 s\u01a1 \u0111\u0103ng k\u00fd tr\u1edf n\u00ean d\u1ec5 d\u00e0ng h\u01a1n<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">L\u1ee3i \u00edch th\u1ee9 n\u0103m l\u00e0 kh\u1ea3 n\u0103ng t\u00ecm hi\u1ec3u tr\u01b0\u1edbc c\u00e1c quy \u0111\u1ecbnh v\u1ec1 c\u00e1ch x\u1eed l\u00fd sau khi x\u1ea3y ra s\u1ef1 c\u1ed1. Trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) c\u1ee7a Wiener c\u00f3 n\u00eau r\u00f5 r\u1eb1ng c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 y\u00eau c\u1ea7u, trong s\u1ed1 nh\u1eefng th\u1ee9 kh\u00e1c, h\u1ed3 s\u01a1 \u0111i\u1ec1u tr\u1ecb ho\u1eb7c ph\u1ee5c h\u1ed3i ch\u1ee9c n\u0103ng, c\u00e1c t\u00e0i li\u1ec7u m\u00f4 t\u1ea3 t\u00ecnh ti\u1ebft c\u1ee7a s\u1ef1 c\u1ed1, c\u0169ng nh\u01b0 b\u1ea3ng d\u1ef1 to\u00e1n chi ph\u00ed, h\u00f3a \u0111\u01a1n ho\u1eb7c ch\u1ee9ng t\u1eeb li\u00ean quan \u0111\u1ebfn c\u00e1c chi ph\u00ed \u0111\u00e3 ph\u00e1t sinh.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V\u00ec v\u1eady, b\u1ea1n n\u00ean l\u01b0u gi\u1eef c\u00e1c t\u00e0i li\u1ec7u \u0111i\u1ec1u tr\u1ecb c\u0169ng nh\u01b0 c\u00e1c ch\u1ee9ng t\u1eeb chi ph\u00ed li\u00ean quan \u0111\u1ebfn y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng. C\u00f4ng ty Wiener kh\u00f4ng nh\u1ea5t thi\u1ebft ph\u1ea3i y\u00eau c\u1ea7u to\u00e0n b\u1ed9 c\u00e1c t\u00e0i li\u1ec7u \u0111\u01b0\u1ee3c li\u1ec7t k\u00ea; danh s\u00e1ch n\u00e0y ch\u1ec9 mang t\u00ednh ch\u1ea5t tham kh\u1ea3o, v\u00e0 c\u00e1c t\u00e0i li\u1ec7u c\u1ea7n thi\u1ebft s\u1ebd t\u00f9y thu\u1ed9c v\u00e0o t\u1eebng tr\u01b0\u1eddng h\u1ee3p c\u1ee5 th\u1ec3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Th\u1ee7 t\u1ee5c n\u00e0y c\u0169ng bao g\u1ed3m c\u00e1c th\u1eddi h\u1ea1n \u00e1p d\u1ee5ng cho h\u1ee3p \u0111\u1ed3ng c\u1ee5 th\u1ec3. C\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) c\u1ee7a TUZ Ubezpieczenia y\u00eau c\u1ea7u ph\u1ea3i th\u00f4ng b\u00e1o ngay l\u1eadp t\u1ee9c, ch\u1eadm nh\u1ea5t l\u00e0 trong v\u00f2ng 14 ng\u00e0y k\u1ec3 t\u1eeb khi x\u1ea3y ra tai n\u1ea1n ho\u1eb7c khi nh\u1eadn \u0111\u01b0\u1ee3c th\u00f4ng tin v\u1ec1 thi\u1ec7t h\u1ea1i, tr\u1eeb khi c\u00f3 quy \u0111\u1ecbnh ri\u00eang trong c\u00e1c \u0111i\u1ec1u kho\u1ea3n b\u1ed5 sung. <strong>Qu\u00fd kh\u00e1ch vui l\u00f2ng ki\u1ec3m tra th\u1eddi h\u1ea1n trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n c\u1ee7a ri\u00eang m\u00ecnh<\/strong> \u2013 \u0111\u00e2y kh\u00f4ng ph\u1ea3i l\u00e0 quy t\u1eafc chung \u00e1p d\u1ee5ng cho t\u1ea5t c\u1ea3 c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m tai n\u1ea1n.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-sprawdzic-zakres\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 bi\u1ebft ph\u1ea1m vi n\u00e0y c\u00f3 ph\u00f9 h\u1ee3p v\u1edbi cu\u1ed9c s\u1ed1ng c\u1ee7a b\u1ea1n kh\u00f4ng?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y b\u1eaft \u0111\u1ea7u t\u1eeb nh\u1eefng t\u00ecnh hu\u1ed1ng m\u00e0 b\u1ea1n mu\u1ed1n \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, sau \u0111\u00f3 m\u1edbi so s\u00e1nh c\u00e1c lo\u1ea1i h\u1ee3p \u0111\u1ed3ng. Ch\u1ebf \u0111\u1ed9 l\u00e0m vi\u1ec7c v\u00e0 t\u1ea7n su\u1ea5t \u0111i l\u1ea1i kh\u00e1c nhau c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn vi\u1ec7c \u0111\u00e1nh gi\u00e1 kh\u00e1c nhau v\u1ec1 ph\u1ea1m vi th\u1eddi gian v\u00e0 l\u00e3nh th\u1ed5.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y l\u1eadp m\u1ed9t danh s\u00e1ch ki\u1ec3m tra ng\u1eafn g\u1ecdn:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items42e50c-checklist:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items42e50c-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-items42e50c-checklist ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items42e50c-checklist .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-items42e50c-checklist ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items42e50c-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-items42e50c-checklist ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-items42e50c-checklist .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-items42e50c-checklist ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items42e50c-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-items42e50c-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-42e50c-item-1 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-42e50c-item-1 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-42e50c-item-1 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>C\u00e1c s\u1ef1 ki\u1ec7n:<\/strong> H\u1ee3p \u0111\u1ed3ng n\u00e0y bao g\u1ed3m nh\u1eefng h\u1eadu qu\u1ea3 n\u00e0o c\u1ee7a v\u1ee5 tai n\u1ea1n?<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-42e50c-item-2 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-42e50c-item-2 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-42e50c-item-2 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Quy\u1ec1n l\u1ee3i:<\/strong> C\u1ee5 th\u1ec3 th\u00ec nh\u1eefng kho\u1ea3n n\u00e0o c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c chi tr\u1ea3 ho\u1eb7c s\u1eafp x\u1ebfp?<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-42e50c-item-3 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-42e50c-item-3 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-42e50c-item-3 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m:<\/strong> Gi\u1edbi h\u1ea1n t\u1ed1i \u0111a c\u1ee7a tr\u00e1ch nhi\u1ec7m l\u00e0 bao nhi\u00eau v\u00e0 kho\u1ea3n b\u1ed3i th\u01b0\u1eddng \u0111\u01b0\u1ee3c t\u00ednh nh\u01b0 th\u1ebf n\u00e0o?<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-42e50c-item-4 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-42e50c-item-4 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-42e50c-item-4 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Th\u1eddi gian v\u00e0 l\u00e3nh th\u1ed5:<\/strong> H\u1ec7 th\u1ed1ng b\u1ea3o v\u1ec7 c\u00f3 ho\u1ea1t \u0111\u1ed9ng \u0111\u00fang v\u00e0o nh\u1eefng th\u1eddi \u0111i\u1ec3m v\u00e0 t\u1ea1i nh\u1eefng \u0111\u1ecba \u0111i\u1ec3m d\u1ef1 ki\u1ebfn kh\u00f4ng?<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-42e50c-item-5 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-42e50c-item-5 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-42e50c-item-5 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>H\u1ea1n ch\u1ebf:<\/strong> Nh\u1eefng tr\u01b0\u1eddng h\u1ee3p ngo\u1ea1i l\u1ec7, gi\u1edbi h\u1ea1n v\u00e0 \u0111i\u1ec1u ki\u1ec7n n\u00e0o c\u00f3 th\u1ec3 l\u00e0m thay \u0111\u1ed5i ph\u1ea1m vi \u00e1p d\u1ee5ng?<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-42e50c-item-6 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-42e50c-item-6 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-42e50c-item-6 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Quy tr\u00ecnh:<\/strong> L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 khai b\u00e1o s\u1ef1 c\u1ed1 v\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 y\u00eau c\u1ea7u nh\u1eefng gi\u1ea5y t\u1edd n\u00e0o?<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>M\u1ed9t quy\u1ebft \u0111\u1ecbnh \u0111\u00fang \u0111\u1eafn \u0111\u00f2i h\u1ecfi ph\u1ea3i so s\u00e1nh c\u00e1c th\u00f4ng s\u1ed1 t\u01b0\u01a1ng \u0111\u01b0\u01a1ng.<\/strong> S\u1ed1 l\u01b0\u1ee3ng c\u00e1c quy\u1ec1n l\u1ee3i s\u1ebd kh\u00f4ng \u0111\u1ee7 n\u1ebfu c\u00e1c \u0111\u1ecbnh ngh\u0129a, gi\u1edbi h\u1ea1n ho\u1eb7c \u0111i\u1ec1u ki\u1ec7n th\u1ef1c hi\u1ec7n kh\u00e1c nhau. M\u1ee9c b\u1ed3i th\u01b0\u1eddng cao h\u01a1n cho m\u1ed9t quy\u1ec1n l\u1ee3i c\u1ee5 th\u1ec3 kh\u00f4ng nh\u1ea5t thi\u1ebft \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u1ee7a to\u00e0n b\u1ed9 h\u1ee3p \u0111\u1ed3ng s\u1ebd r\u1ed9ng h\u01a1n.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"po-wypadku\">Ph\u1ea3i l\u00e0m g\u00ec sau khi x\u1ea3y ra tai n\u1ea1n?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc ti\u00ean, h\u00e3y h\u00e0nh \u0111\u1ed9ng ph\u00f9 h\u1ee3p v\u1edbi t\u00ecnh hu\u1ed1ng v\u00e0 t\u00ecm ki\u1ebfm s\u1ef1 tr\u1ee3 gi\u00fap c\u1ea7n thi\u1ebft. Sau \u0111\u00f3, h\u00e3y tham kh\u1ea3o c\u00e1c t\u00e0i li\u1ec7u trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea1n, thay v\u00ec ch\u1ec9 d\u1ef1a v\u00e0o th\u1eddi h\u1ea1n ho\u1eb7c danh s\u00e1ch t\u00e0i li\u1ec7u m\u00e0 b\u1ea1n nh\u1edb \u0111\u01b0\u1ee3c t\u1eeb m\u1ed9t g\u00f3i b\u1ea3o hi\u1ec3m kh\u00e1c.<\/p>\n\n\n\n<div class=\"wp-block-group has-theme-palette-8-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n\n<p class=\"has-medium-font-size wp-block-paragraph\"><strong>Th\u1ee7 t\u1ee5c \u0111\u00fang quy \u0111\u1ecbnh \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng c\u1ee7a b\u1ea1n.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y m\u00f4 t\u1ea3 c\u00e1c t\u00ecnh ti\u1ebft c\u1ee7a v\u1ee5 vi\u1ec7c d\u1ef1a tr\u00ean th\u00f4ng tin m\u00e0 b\u1ea1n c\u00f3. H\u00e3y thu th\u1eadp c\u00e1c t\u00e0i li\u1ec7u li\u00ean quan \u0111\u1ebfn vi\u1ec7c \u0111i\u1ec1u tr\u1ecb ho\u1eb7c ph\u1ee5c h\u1ed3i ch\u1ee9c n\u0103ng, c\u00e1c t\u00e0i li\u1ec7u v\u1ec1 di\u1ec5n bi\u1ebfn c\u1ee7a v\u1ee5 vi\u1ec7c c\u0169ng nh\u01b0 c\u00e1c ch\u1ee9ng t\u1eeb chi ph\u00ed, n\u1ebfu \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u. <strong>H\u00e3y gi\u1eef l\u1ea1i b\u1ea3n g\u1ed1c v\u00e0 c\u00e1c b\u1ea3n sao r\u00f5 r\u00e0ng<\/strong> c\u00e1c t\u00e0i li\u1ec7u \u0111\u01b0\u1ee3c chuy\u1ec3n giao.<\/p>\n\n<\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y ki\u1ec3m tra th\u1eddi h\u1ea1n trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea1n v\u00e0 \u0111\u1eebng tr\u00ec ho\u00e3n vi\u1ec7c th\u00f4ng b\u00e1o. V\u00ed d\u1ee5 v\u1ec1 TUZ cho th\u1ea5y h\u1ee3p \u0111\u1ed3ng c\u00f3 th\u1ec3 quy \u0111\u1ecbnh m\u1ed9t th\u1eddi h\u1ea1n c\u1ee5 th\u1ec3, m\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p \u00e1p d\u1ee5ng cho c\u00e1c s\u1ea3n ph\u1ea9m kh\u00e1c. Khi \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u b\u1ed5 sung t\u00e0i li\u1ec7u, h\u00e3y x\u00e1c \u0111\u1ecbnh r\u00f5 nh\u1eefng g\u00ec c\u00f2n thi\u1ebfu v\u00e0 t\u00e0i li\u1ec7u \u0111\u00f3 c\u1ea7n thi\u1ebft cho quy\u1ec1n l\u1ee3i n\u00e0o.<\/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 v\u1ec1 b\u1ea3o hi\u1ec3m tai n\u1ea1n lao \u0111\u1ed9ng<\/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-kazde-nnw-wyplaca-swiadczenie-za-trwaly-uszczerbek\">Li\u1ec7u m\u1ecdi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m tai n\u1ea1n lao \u0111\u1ed9ng (NNW) c\u00f3 chi tr\u1ea3 kho\u1ea3n b\u1ed3i th\u01b0\u1eddng cho th\u01b0\u01a1ng t\u1eadt v\u0129nh vi\u1ec5n hay kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng th\u1ec3 m\u1eb7c n\u00f3 m\u00e0 kh\u00f4ng ki\u1ec3m tra k\u00edch c\u1ee1. <strong>M\u1ed7i kho\u1ea3n tr\u1ee3 c\u1ea5p \u0111\u1ec1u ph\u1ee5 thu\u1ed9c v\u00e0o h\u1ee3p \u0111\u1ed3ng c\u1ee5 th\u1ec3<\/strong>, c\u00e1c bi\u1ebfn th\u1ec3, \u0111\u1ecbnh ngh\u0129a, t\u1ed5ng, gi\u1edbi h\u1ea1n v\u00e0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p ngo\u1ea1i l\u1ec7 c\u1ee7a n\u00f3.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-suma-ubezpieczenia-jest-kwota-wyplacana-po-kazdym-zdarzeniu\">S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m c\u00f3 ph\u1ea3i l\u00e0 s\u1ed1 ti\u1ec1n \u0111\u01b0\u1ee3c chi tr\u1ea3 sau m\u1ed7i s\u1ef1 c\u1ed1 kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng. Trong t\u00e0i li\u1ec7u c\u1ee7a Compensa, s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m l\u00e0 gi\u1edbi h\u1ea1n t\u1ed1i \u0111a c\u1ee7a tr\u00e1ch nhi\u1ec7m b\u1ed3i th\u01b0\u1eddng. S\u1ed1 ti\u1ec1n b\u1ed3i th\u01b0\u1eddng c\u00f3 th\u1ec3 b\u1eb1ng to\u00e0n b\u1ed9 s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m ho\u1eb7c \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh theo t\u1ef7 l\u1ec7 ph\u1ea7n tr\u0103m d\u1ef1a tr\u00ean b\u1ea3ng quy \u0111\u1ecbnh chung c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m (OWU), t\u00f9y thu\u1ed9c v\u00e0o s\u1ef1 c\u1ed1 v\u00e0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a s\u1ea3n ph\u1ea9m.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-indywidualne-nnw-zawsze-dziala-przez-cala-dobe\">B\u1ea3o hi\u1ec3m tai n\u1ea1n c\u00e1 nh\u00e2n c\u00f3 lu\u00f4n c\u00f3 hi\u1ec7u l\u1ef1c 24 gi\u1edd m\u1ed7i ng\u00e0y kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng. C\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) c\u1ee7a TUZ quy \u0111\u1ecbnh ph\u1ea1m vi b\u1ea3o hi\u1ec3m to\u00e0n di\u1ec7n ho\u1eb7c h\u1ea1n ch\u1ebf. <strong>D\u1ecbch v\u1ee5 b\u1ea3o v\u1ec7 24\/7 t\u00f9y thu\u1ed9c v\u00e0o g\u00f3i d\u1ecbch v\u1ee5 \u0111\u00e3 ch\u1ecdn<\/strong> v\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c g\u00e1n m\u1eb7c \u0111\u1ecbnh cho m\u1ecdi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-nnw-dziala-za-granica\">B\u1ea3o hi\u1ec3m tai n\u1ea1n c\u00e1 nh\u00e2n (NNW) c\u00f3 \u00e1p d\u1ee5ng \u1edf n\u01b0\u1edbc ngo\u00e0i kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00f3 th\u1ec3, n\u1ebfu \u0111i\u1ec1u \u0111\u00f3 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng. T\u00e0i li\u1ec7u TUZ bao g\u1ed3m c\u00e1c s\u1ef1 c\u1ed1 x\u1ea3y ra t\u1ea1i Ba Lan v\u00e0 \u1edf n\u01b0\u1edbc ngo\u00e0i, nh\u01b0ng v\u1eabn ch\u1ecbu c\u00e1c gi\u1edbi h\u1ea1n theo \u0110i\u1ec1u kho\u1ea3n chung (OWU) v\u00e0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee5 th\u1ec3. H\u00e3y ki\u1ec3m tra ph\u1ea1m vi \u00e1p d\u1ee5ng c\u1ee7a ch\u00ednh h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea1n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nh\u1eefng \u0111i\u1ec1u c\u1ea7n l\u01b0u \u00fd:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>H\u00e3y ki\u1ec3m tra xem \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) c\u00f3 n\u00eau r\u00f5 c\u00e1c \u0111i\u1ec1u ki\u1ec7n chi tr\u1ea3 quy\u1ec1n l\u1ee3i hay kh\u00f4ng.<\/li>\n\n\n\n<li>H\u00e3y ki\u1ec3m tra c\u00e1c h\u1ea1n ch\u1ebf v\u00e0 tr\u01b0\u1eddng h\u1ee3p mi\u1ec5n tr\u1eeb \u00e1p d\u1ee5ng cho g\u00f3i d\u1ecbch v\u1ee5 b\u1ea1n \u0111\u00e3 ch\u1ecdn.<\/li>\n\n\n\n<li>H\u00e3y ki\u1ec3m tra th\u1eddi h\u1ea1n \u0111\u0103ng k\u00fd v\u00e0 c\u00e1c gi\u1ea5y t\u1edd c\u1ea7n thi\u1ebft trong h\u1ee3p \u0111\u1ed3ng c\u1ee7a b\u1ea1n.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"jakie-dokumenty-moga-byc-potrzebne-przy-zgloszeniu\">C\u1ea7n chu\u1ea9n b\u1ecb nh\u1eefng gi\u1ea5y t\u1edd n\u00e0o khi l\u00e0m th\u1ee7 t\u1ee5c khai b\u00e1o?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Wiener n\u00eau v\u00ed d\u1ee5 nh\u01b0 h\u1ed3 s\u01a1 \u0111i\u1ec1u tr\u1ecb ho\u1eb7c ph\u1ee5c h\u1ed3i ch\u1ee9c n\u0103ng, c\u00e1c t\u00e0i li\u1ec7u li\u00ean quan \u0111\u1ebfn ho\u00e0n c\u1ea3nh v\u1ee5 vi\u1ec7c, c\u0169ng nh\u01b0 b\u1ea3ng d\u1ef1 to\u00e1n chi ph\u00ed, h\u00f3a \u0111\u01a1n ho\u1eb7c bi\u00ean lai. Ph\u1ea1m vi c\u00e1c t\u00e0i li\u1ec7u c\u1ea7n thi\u1ebft ph\u1ee5 thu\u1ed9c v\u00e0o lo\u1ea1i y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng \u0111\u01b0\u1ee3c n\u1ed9p c\u0169ng nh\u01b0 c\u00e1c quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ee5 th\u1ec3 \u0111\u00f3.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-kazde-zdarzenie-trzeba-zglosic-w-ciagu-14-dni\">C\u00f3 ph\u1ea3i m\u1ecdi s\u1ef1 c\u1ed1 \u0111\u1ec1u ph\u1ea3i \u0111\u01b0\u1ee3c b\u00e1o c\u00e1o trong v\u00f2ng 14 ng\u00e0y kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng c\u00f3 c\u01a1 s\u1edf n\u00e0o \u0111\u1ec3 coi \u0111\u00e2y l\u00e0 quy t\u1eafc \u00e1p d\u1ee5ng cho to\u00e0n b\u1ed9 th\u1ecb tr\u01b0\u1eddng. Th\u1eddi h\u1ea1n n\u00e0y \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) c\u1ee7a TUZ \u0111\u00e3 \u0111\u01b0\u1ee3c tr\u00edch d\u1eabn, v\u1edbi \u0111i\u1ec1u ki\u1ec7n \u00e1p d\u1ee5ng c\u00e1c \u0111i\u1ec1u kho\u1ea3n b\u1ed5 sung. Th\u1eddi h\u1ea1n \u0111\u1ed1i v\u1edbi thi\u1ec7t h\u1ea1i c\u1ee7a ch\u00ednh m\u00ecnh c\u1ea7n \u0111\u01b0\u1ee3c ki\u1ec3m tra trong c\u00e1c t\u00e0i li\u1ec7u c\u1ee7a h\u1ee3p \u0111\u1ed3ng \u0111\u00e3 k\u00fd k\u1ebft.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"wniosek\">K\u1ebft lu\u1eadn: Gi\u00e1 tr\u1ecb c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m n\u1eb1m \u1edf nh\u1eefng chi ti\u1ebft<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">NNW c\u00f3 th\u1ec3 cung c\u1ea5p h\u1ed7 tr\u1ee3 t\u00e0i ch\u00ednh sau s\u1ef1 c\u1ed1, c\u00e1c d\u1ecbch v\u1ee5 c\u1ee5 th\u1ec3 ho\u1eb7c ho\u00e0n tr\u1ea3 chi ph\u00ed, \u0111\u1ed3ng th\u1eddi quy \u0111\u1ecbnh r\u00f5 th\u1ee7 t\u1ee5c th\u00f4ng b\u00e1o. Ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh t\u00f9y theo c\u00e1c quy\u1ec1n l\u1ee3i, th\u1eddi gian v\u00e0 ph\u1ea1m vi \u0111\u1ecba l\u00fd; tuy nhi\u00ean, m\u1ed7i quy\u1ec1n l\u1ee3i c\u1ea7n \u0111\u01b0\u1ee3c ph\u00e2n t\u00edch k\u1ef9 l\u01b0\u1ee1ng c\u00f9ng v\u1edbi \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m Chung.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc khi l\u1ef1a ch\u1ecdn, h\u00e3y so s\u00e1nh c\u00e1c ph\u1ea1m vi theo c\u00f9ng m\u1ed9t ti\u00eau ch\u00ed. <strong>\u0110i\u1ec1u quan tr\u1ecdng nh\u1ea5t l\u00e0 c\u00e1c quy\u1ec1n l\u1ee3i, s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m, m\u1ee9c gi\u1edbi h\u1ea1n v\u00e0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb<\/strong>, c\u0169ng nh\u01b0 th\u1eddi gian, ph\u1ea1m vi \u00e1p d\u1ee5ng v\u00e0 th\u1ee7 t\u1ee5c x\u1eed l\u00fd sau s\u1ef1 c\u1ed1. M\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p kh\u00f4ng ph\u1ea3i l\u00e0 h\u1ee3p \u0111\u1ed3ng c\u00f3 danh s\u00e1ch \u0111i\u1ec1u kho\u1ea3n d\u00e0i nh\u1ea5t, m\u00e0 l\u00e0 h\u1ee3p \u0111\u1ed3ng c\u00f3 c\u00e1c \u0111i\u1ec1u kho\u1ea3n ph\u00f9 h\u1ee3p v\u1edbi nhu c\u1ea7u c\u1ee7a b\u1ea1n v\u00e0 d\u1ec5 hi\u1ec3u \u0111\u1ed1i v\u1edbi b\u1ea1n.<\/p>","protected":false},"excerpt":{"rendered":"<p>Tai n\u1ea1n kh\u00f4ng k\u1ebft th\u00fac ngay t\u1ea1i th\u1eddi \u0111i\u1ec3m x\u1ea3y ra. Sau \u0111\u00f3 l\u00e0 qu\u00e1 tr\u00ecnh \u0111i\u1ec1u tr\u1ecb, ph\u1ee5c h\u1ed3i ch\u1ee9c n\u0103ng, c\u00e1c th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh v\u00e0 nh\u1eefng kho\u1ea3n chi ph\u00ed m\u00e0 tr\u01b0\u1edbc \u0111\u00f3 kh\u00f4ng th\u1ec3 l\u01b0\u1eddng tr\u01b0\u1edbc \u0111\u01b0\u1ee3c\u2026<\/p>","protected":false},"author":1,"featured_media":3411,"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":[27],"tags":[76,77,75,74],"class_list":["post-3412","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ubezpieczenie-nnw-indywidualne","tag-nnw-indywidualne","tag-ochrona-po-wypadku","tag-odszkodowanie-za-uszczerbek","tag-zalety-ubezpieczenia-nnw"],"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>Dlaczego warto mie\u0107 NNW? 5 kluczowych korzy\u015bci ubezpieczenia<\/title>\n<meta name=\"description\" content=\"Dlaczego warto mie\u0107 NNW? 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