{"id":3424,"date":"2026-11-11T19:59:54","date_gmt":"2026-11-11T18:59:54","guid":{"rendered":"https:\/\/medicalinsurance.pl\/?p=3424"},"modified":"2026-11-11T19:59:54","modified_gmt":"2026-11-11T18:59:54","slug":"nnw-ca-nhan","status":"publish","type":"post","link":"https:\/\/medicalinsurance.pl\/vi\/poradnik\/ubezpieczenie-nnw-indywidualne\/nnw-indywidualne\/","title":{"rendered":"B\u1ea3o hi\u1ec3m tai n\u1ea1n c\u00e1 nh\u00e2n \u2013 nh\u1eefng g\u00ec \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m v\u00e0 nh\u1eefng g\u00ec kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m?"},"content":{"rendered":"<p class=\"wp-block-paragraph\">B\u1ea3o hi\u1ec3m tai n\u1ea1n c\u00e1 nh\u00e2n kh\u00f4ng c\u00f3 ph\u1ea1m vi b\u1ea3o hi\u1ec3m chung duy nh\u1ea5t \u00e1p d\u1ee5ng cho t\u1ea5t c\u1ea3 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m. C\u00f9ng m\u1ed9t t\u00ean g\u1ecdi c\u00f3 th\u1ec3 t\u01b0\u01a1ng \u1ee9ng v\u1edbi c\u00e1c g\u00f3i quy\u1ec1n l\u1ee3i kh\u00e1c nhau, c\u00e1c quy t\u1eafc t\u00ednh to\u00e1n ti\u1ec1n b\u1ed3i th\u01b0\u1eddng kh\u00e1c nhau v\u00e0 c\u00e1c ngh\u0129a v\u1ee5 kh\u00e1c nhau sau khi s\u1ef1 c\u1ed1 x\u1ea3y ra. Do \u0111\u00f3, khi l\u1ef1a ch\u1ecdn h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, kh\u00f4ng ch\u1ec9 c\u1ea7n ki\u1ec3m tra xem trong b\u1ea3n \u0111\u1ec1 xu\u1ea5t c\u00f3 xu\u1ea5t hi\u1ec7n c\u00e1c t\u1eeb nh\u01b0 \u201eth\u01b0\u01a1ng t\u1eadt\u201d, \u201et\u1eed vong\u201d hay \u201eh\u1ed7 tr\u1ee3\u201d hay kh\u00f4ng. C\u1ea7n ph\u1ea3i x\u00e1c \u0111\u1ecbnh r\u00f5 c\u00e1c quy\u1ec1n l\u1ee3i n\u00e0y \u0111\u01b0\u1ee3c cung c\u1ea5p trong g\u00f3i b\u1ea3o hi\u1ec3m n\u00e0o v\u00e0 c\u00e1c \u0111i\u1ec1u ki\u1ec7n c\u1ea7n \u0111\u00e1p \u1ee9ng l\u00e0 g\u00ec. <strong>Vi\u1ec7c b\u1ea3o v\u1ec7 kh\u00f4ng t\u1ef1 \u0111\u1ed9ng gi\u1ed1ng h\u1ec7t nhau<\/strong> ngay c\u1ea3 khi c\u00e1c s\u1ea3n ph\u1ea9m thu\u1ed9c c\u00f9ng m\u1ed9t danh m\u1ee5c. D\u01b0\u1edbi \u0111\u00e2y, ch\u00fang t\u00f4i s\u1ebd gi\u1ea3i th\u00edch c\u00e1ch hi\u1ec3u ph\u1ea1m vi b\u1ea3o hi\u1ec3m tai n\u1ea1n c\u00e1 nh\u00e2n (NNW) th\u00f4ng qua c\u00e1c v\u00ed d\u1ee5 c\u1ee5 th\u1ec3 t\u1eeb \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) c\u1ee7a Warta, Compensa, PZU v\u00e0 TUZ Ubezpieczenia, c\u0169ng nh\u01b0 nh\u1eefng \u0111i\u1ec1u c\u1ea7n l\u01b0u \u00fd tr\u01b0\u1edbc khi k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng v\u00e0 sau khi x\u1ea3y ra tai n\u1ea1n.<\/p>\n\n\n\n<div class=\"wp-block-group has-theme-palette-8-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n\n<p class=\"has-medium-font-size wp-block-paragraph\">M\u1ee5c l\u1ee5c<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><a href=\"#jak-dziala-zakres-indywidualnego-nnw\">Ph\u1ea1m vi b\u1ea3o hi\u1ec3m tai n\u1ea1n c\u00e1 nh\u00e2n ho\u1ea1t \u0111\u1ed9ng nh\u01b0 th\u1ebf n\u00e0o?<\/a><\/li>\n\n\n\n<li><a href=\"#co-moze-obejmowac-indywidualne-nnw\">B\u1ea3o hi\u1ec3m tai n\u1ea1n c\u00e1 nh\u00e2n c\u00f3 th\u1ec3 bao g\u1ed3m nh\u1eefng g\u00ec<\/a><\/li>\n\n\n\n<li><a href=\"#czego-nnw-moze-nie-obejmowac\">C\u00e1ch ki\u1ec3m tra c\u00e1c gi\u1edbi h\u1ea1n b\u1ea3o v\u1ec7<\/a><\/li>\n\n\n\n<li><a href=\"#co-zrobic-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 c\u00e1 nh\u00e2n<\/a><\/li>\n\n\n\n<li><a href=\"#jak-ocenic-polise-przed-zakupem\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m tr\u01b0\u1edbc khi mua<\/a><\/li>\n<\/ol>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-dziala-zakres-indywidualnego-nnw\">Ph\u1ea1m vi b\u1ea3o hi\u1ec3m tai n\u1ea1n c\u00e1 nh\u00e2n ho\u1ea1t \u0111\u1ed9ng nh\u01b0 th\u1ebf n\u00e0o?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u1ea7n \u0111\u01b0\u1ee3c \u0111\u1ecdc c\u00f9ng v\u1edbi c\u00e1c \u0111\u1ecbnh ngh\u0129a, danh m\u1ee5c quy\u1ec1n l\u1ee3i, m\u1ee9c b\u1ed3i th\u01b0\u1eddng v\u00e0 gi\u1edbi h\u1ea1n, c\u0169ng nh\u01b0 c\u00e1c quy \u0111\u1ecbnh v\u1ec1 c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb. Vi\u1ec7c x\u1ea3y ra ch\u1ea5n th\u01b0\u01a1ng th\u00f4i ch\u01b0a \u0111\u1ee7 \u0111\u1ec3 quy\u1ebft \u0111\u1ecbnh vi\u1ec7c chi tr\u1ea3. Tr\u01b0\u1edbc ti\u00ean, c\u1ea7n ph\u1ea3i ki\u1ec3m tra xem li\u1ec7u <strong>s\u1ef1 ki\u1ec7n n\u00e0y ph\u00f9 h\u1ee3p v\u1edbi \u0111\u1ecbnh ngh\u0129a<\/strong> \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng \u0111\u00f3, v\u00e0 sau \u0111\u00f3 l\u00e0 li\u1ec7u ph\u01b0\u01a1ng \u00e1n \u0111\u00e3 ch\u1ecdn c\u00f3 quy \u0111\u1ecbnh v\u1ec1 ngh\u0129a v\u1ee5 t\u01b0\u01a1ng \u1ee9ng hay kh\u00f4ng.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00e1ch x\u00e1c \u0111\u1ecbnh m\u1ee9c chi tr\u1ea3 c\u0169ng r\u1ea5t quan tr\u1ecdng. Trong t\u00e0i li\u1ec7u c\u1ee7a Compensa v\u1ec1 B\u1ea3o hi\u1ec3m Tai n\u1ea1n, s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c m\u00f4 t\u1ea3 l\u00e0 gi\u1edbi h\u1ea1n t\u1ed1i \u0111a c\u1ee7a tr\u00e1ch nhi\u1ec7m b\u1ed3i th\u01b0\u1eddng. Trong tr\u01b0\u1eddng h\u1ee3p t\u1eed vong do tai n\u1ea1n, t\u00e0i li\u1ec7u n\u00e0y n\u00eau r\u00f5 kh\u1ea3 n\u0103ng chi tr\u1ea3 \u1edf m\u1ee9c 100% s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m \u0111\u00f3. Trong tr\u01b0\u1eddng h\u1ee3p th\u01b0\u01a1ng t\u1eadt, kho\u1ea3n chi tr\u1ea3 t\u01b0\u01a1ng \u1ee9ng v\u1edbi m\u1ed9t t\u1ef7 l\u1ec7 ph\u1ea7n tr\u0103m nh\u1ea5t \u0111\u1ecbnh c\u1ee7a s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m, \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh theo b\u1ea3ng trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU). <strong>S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m x\u00e1c \u0111\u1ecbnh m\u1ee9c tr\u1ea7n<\/strong>, nh\u01b0ng \u0111i\u1ec1u \u0111\u00f3 kh\u00f4ng c\u00f3 ngh\u0129a l\u00e0 m\u1ecdi tr\u01b0\u1eddng h\u1ee3p thi\u1ec7t h\u1ea1i \u0111\u1ec1u d\u1eabn \u0111\u1ebfn vi\u1ec7c chi tr\u1ea3 to\u00e0n b\u1ed9 s\u1ed1 ti\u1ec1n \u0111\u00f3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Do \u0111\u00f3, tr\u00ean th\u1ef1c t\u1ebf, n\u00ean k\u1ebft h\u1ee3p ba y\u1ebfu t\u1ed1 sau v\u1edbi nhau:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>c\u00e1c s\u1ef1 ki\u1ec7n thu\u1ed9c ph\u01b0\u01a1ng \u00e1n \u0111\u00e3 ch\u1ecdn;<\/li>\n\n\n\n<li>c\u00e1c kho\u1ea3n tr\u1ee3 c\u1ea5p \u0111\u01b0\u1ee3c ghi nh\u1eadn cho s\u1ef1 ki\u1ec7n c\u1ee5 th\u1ec3 \u0111\u00f3;<\/li>\n\n\n\n<li>c\u00e1c quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c x\u00e1c \u0111\u1ecbnh m\u1ee9c chi tr\u1ea3, bao g\u1ed3m b\u1ea3ng quy \u0111\u1ecbnh t\u01b0\u01a1ng \u1ee9ng trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU).<\/li>\n<\/ul>\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>T\u1ef7 l\u1ec7 ph\u1ea7n tr\u0103m thi\u1ec7t h\u1ea1i v\u00e0 t\u1ef7 l\u1ec7 ph\u1ea7n tr\u0103m t\u1ed5ng s\u1ed1<\/strong> kh\u00f4ng n\u00ean \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 ch\u1ec9 d\u1ef1a tr\u00ean t\u00ean c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00e1c quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 \u0111\u01b0\u1ee3c n\u00eau r\u00f5 trong c\u00e1c t\u00e0i li\u1ec7u li\u00ean quan \u0111\u1ebfn t\u1eebng s\u1ea3n ph\u1ea9m v\u00e0 phi\u00ean b\u1ea3n c\u1ee5 th\u1ec3. B\u1ea1n c\u00f3 th\u1ec3 t\u00ecm hi\u1ec3u chi ti\u1ebft h\u01a1n v\u1ec1 ch\u1ee9c n\u0103ng b\u1ea3o v\u1ec7 n\u00e0y trong h\u01b0\u1edbng d\u1eabn v\u1ec1 <a href=\"https:\/\/medicalinsurance.pl\/vi\/cam-nang\/bao-hiem-tai-nan-ca-nhan\/bao-hiem-tai-nan-lao-dong-5-loi-ich-chinh-cua-goi-bao-hiem\/\">nh\u1eefng \u01b0u \u0111i\u1ec3m quan tr\u1ecdng nh\u1ea5t c\u1ee7a b\u1ea3o hi\u1ec3m tai n\u1ea1n lao \u0111\u1ed9ng<\/a>.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"co-moze-obejmowac-indywidualne-nnw\">B\u1ea3o hi\u1ec3m tai n\u1ea1n c\u00e1 nh\u00e2n c\u00f3 th\u1ec3 bao g\u1ed3m nh\u1eefng g\u00ec<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">M\u1ed9t v\u00ed d\u1ee5 \u0111i\u1ec3n h\u00ecnh v\u1ec1 s\u1ef1 ph\u1ee5 thu\u1ed9c c\u1ee7a ph\u1ea1m vi b\u1ea3o hi\u1ec3m v\u00e0o g\u00f3i b\u1ea3o hi\u1ec3m c\u1ee5 th\u1ec3 l\u00e0 G\u00f3i \u201cD\u00e0nh cho b\u1ea1n\u201d \u2013 B\u1ea3o hi\u1ec3m tai n\u1ea1n c\u00e1 nh\u00e2n (NNW) c\u1ee7a Warta theo \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) n\u0103m 2025. Trong ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u01a1 b\u1ea3n c\u1ee7a g\u00f3i n\u00e0y, c\u00e1c tr\u01b0\u1eddng h\u1ee3p \u0111\u01b0\u1ee3c li\u1ec7t k\u00ea bao g\u1ed3m th\u01b0\u01a1ng t\u1eadt v\u0129nh vi\u1ec5n v\u00e0 t\u1eed vong, c\u0169ng nh\u01b0 vi\u1ec7c s\u1eeda ch\u1eefa ho\u1eb7c mua s\u1eafm c\u00e1c thi\u1ebft b\u1ecb ch\u1ec9nh h\u00ecnh v\u00e0 d\u1ee5ng c\u1ee5 h\u1ed7 tr\u1ee3. T\u00e0i li\u1ec7u n\u00e0y c\u00f2n \u0111\u1ec1 c\u1eadp \u0111\u1ebfn vi\u1ec7c \u0111\u00e0o t\u1ea1o ngh\u1ec1 cho ng\u01b0\u1eddi khuy\u1ebft t\u1eadt v\u00e0 ho\u00e0n tr\u1ea3 chi ph\u00ed c\u1ea3i t\u1ea1o nh\u00e0 \u1edf. Trong g\u00f3i b\u1ea3o hi\u1ec3m c\u1ee5 th\u1ec3 n\u00e0y <strong>t\u1eed vong, th\u01b0\u01a1ng t\u1eadt v\u0129nh vi\u1ec5n v\u00e0 c\u00e1c chi ph\u00ed \u0111\u01b0\u1ee3c ch\u1ec9 \u0111\u1ecbnh<\/strong> ch\u00fang t\u1ed3n t\u1ea1i song song v\u1edbi nhau, nh\u01b0ng kh\u00f4ng \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng b\u1ed9 quy \u0111\u1ecbnh n\u00e0y cho m\u1ecdi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m tai n\u1ea1n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Trong c\u00f9ng t\u00e0i li\u1ec7u n\u00e0y, c\u00e1c d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3 \u00e1p d\u1ee5ng cho c\u00e1c h\u1ee3p \u0111\u1ed3ng c\u00f3 th\u1eddi h\u1ea1n 12 th\u00e1ng. \u0110\u00e2y l\u00e0 m\u1ed9t l\u01b0u \u00fd quan tr\u1ecdng: vi\u1ec7c d\u1ecbch v\u1ee5 \u0111\u01b0\u1ee3c \u0111\u1ec1 c\u1eadp trong t\u00e0i li\u1ec7u gi\u1edbi thi\u1ec7u s\u1ea3n ph\u1ea9m l\u00e0 ch\u01b0a \u0111\u1ee7 n\u1ebfu vi\u1ec7c cung c\u1ea5p d\u1ecbch v\u1ee5 \u0111\u00f3 ph\u1ee5 thu\u1ed9c v\u00e0o th\u1eddi h\u1ea1n h\u1ee3p \u0111\u1ed3ng ho\u1eb7c g\u00f3i d\u1ecbch v\u1ee5. <strong>D\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3 \u00e1p d\u1ee5ng cho c\u00e1c h\u1ee3p \u0111\u1ed3ng c\u00f3 th\u1eddi h\u1ea1n 12 th\u00e1ng<\/strong> trong g\u00f3i b\u1ea3o hi\u1ec3m c\u1ee7a Warta \u0111\u00e3 n\u00eau, ch\u1ee9 kh\u00f4ng ph\u1ea3i t\u1ef1 \u0111\u1ed9ng \u00e1p d\u1ee5ng cho t\u1eebng h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m tai n\u1ea1n c\u00e1 nh\u00e2n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">M\u1ed9t c\u01a1 ch\u1ebf kh\u00e1c c\u00f3 th\u1ec3 th\u1ea5y trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m tai n\u1ea1n PZU NNW Og\u00f3lne theo \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung (OWU) n\u0103m 2020. T\u00e0i li\u1ec7u n\u00e0y quy \u0111\u1ecbnh c\u00e1c g\u00f3i quy\u1ec1n l\u1ee3i kh\u00e1c nhau trong ph\u1ea1m vi c\u01a1 b\u1ea3n, trong khi ph\u1ea1m vi m\u1edf r\u1ed9ng c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c h\u01b0\u1edfng v\u1edbi m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m b\u1ed5 sung. \u0110i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0 <strong>C\u1ea7n ph\u00e2n bi\u1ec7t ph\u1ea1m vi c\u01a1 b\u1ea3n v\u00e0 ph\u1ea1m vi m\u1edf r\u1ed9ng<\/strong> trong qu\u00e1 tr\u00ecnh \u0111\u00e1nh gi\u00e1 h\u1ed3 s\u01a1 d\u1ef1 th\u1ea7u. Kh\u00f4ng n\u00ean b\u1ed5 sung v\u00e0o c\u01a1 s\u1edf t\u00ednh to\u00e1n ch\u1ec9 v\u00ec \u0111i\u1ec1u kho\u1ea3n \u0111\u00f3 xu\u1ea5t hi\u1ec7n \u1edf ph\u1ea7n sau c\u1ee7a \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc khi l\u1ef1a ch\u1ecdn <a href=\"https:\/\/medicalinsurance.pl\/vi\/nnw-ca-nhan\/\">B\u1ea3o hi\u1ec3m tai n\u1ea1n c\u00e1 nh\u00e2n tr\u1ef1c tuy\u1ebfn<\/a> V\u00ec v\u1eady, h\u00e3y ki\u1ec3m tra kh\u00f4ng ch\u1ec9 danh s\u00e1ch c\u00e1c l\u1ee3i \u00edch m\u00e0 c\u00f2n c\u1ea3 t\u00ean c\u1ee7a t\u1eebng phi\u00ean b\u1ea3n v\u00e0 c\u00e1c \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 k\u00edch ho\u1ea1t t\u1eebng t\u00ednh n\u0103ng b\u1ed5 sung. N\u1ebfu t\u00e0i li\u1ec7u n\u00eau r\u00f5 ph\u1ea7n m\u1edf r\u1ed9ng, <strong>m\u1ee9c \u0111\u00f3ng g\u00f3p b\u1ed5 sung c\u00f3 th\u1ec3 l\u00e0 \u0111i\u1ec1u ki\u1ec7n<\/strong> \u0111\u1ec3 m\u1edf r\u1ed9ng ph\u1ea1m vi.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"realistyczny-przyklad\">Ki\u1ec3m tra \u0111i\u1ec1u ki\u1ec7n \u00e1p d\u1ee5ng d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Trong G\u00f3i D\u00e0nh Cho B\u1ea1n \u2013 B\u1ea3o hi\u1ec3m tai n\u1ea1n c\u00e1 nh\u00e2n (NNW) c\u1ee7a Warta theo \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung (OWU) n\u0103m 2025, d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3 \u00e1p d\u1ee5ng cho c\u00e1c h\u1ee3p \u0111\u1ed3ng c\u00f3 th\u1eddi h\u1ea1n 12 th\u00e1ng. Khi xem x\u00e9t g\u00f3i n\u00e0y, h\u00e3y l\u01b0u \u00fd \u0111\u1ebfn th\u1eddi h\u1ea1n h\u1ee3p \u0111\u1ed3ng v\u00e0 c\u00e1c quy\u1ec1n l\u1ee3i \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong ph\u01b0\u01a1ng \u00e1n b\u1ea1n \u0111\u00e3 ch\u1ecdn. Kh\u00f4ng \u00e1p d\u1ee5ng c\u00e1c \u0111i\u1ec1u ki\u1ec7n c\u1ee7a s\u1ea3n ph\u1ea9m n\u00e0y cho c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m kh\u00e1c.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"czego-nnw-moze-nie-obejmowac\">C\u00e1ch ki\u1ec3m tra c\u00e1c gi\u1edbi h\u1ea1n b\u1ea3o v\u1ec7<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng c\u00f3 m\u1ed9t danh m\u1ee5c c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb chung n\u00e0o c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng m\u1ed9t c\u00e1ch an to\u00e0n cho t\u1ea5t c\u1ea3 c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m tai n\u1ea1n c\u00e1 nh\u00e2n. Ph\u1ea1m vi, c\u00e1c \u0111i\u1ec1u kho\u1ea3n v\u00e0 gi\u1edbi h\u1ea1n \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong c\u00e1c t\u00e0i li\u1ec7u c\u1ee5 th\u1ec3 c\u1ee7a t\u1eebng h\u1ee3p \u0111\u1ed3ng. Do \u0111\u00f3 <strong>Lu\u00f4n ki\u1ec3m tra c\u00e1c tr\u01b0\u1eddng h\u1ee3p ngo\u1ea1i l\u1ec7 trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung c\u1ee7a m\u00ecnh<\/strong>, thay v\u00ec s\u1eed d\u1ee5ng danh s\u00e1ch chung \u0111\u01b0\u1ee3c t\u00ecm th\u1ea5y trong c\u1ea9m nang ho\u1eb7c ghi nh\u1edb t\u1eeb m\u1ed9t s\u1ea3n ph\u1ea9m kh\u00e1c.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">T\u01b0\u01a1ng t\u1ef1, kh\u00f4ng th\u1ec3 cho r\u1eb1ng m\u1ecdi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u1ec1u bao g\u1ed3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb, ph\u1ee5c h\u1ed3i ch\u1ee9c n\u0103ng, n\u1eb1m vi\u1ec7n hay d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3 trong ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u01a1 b\u1ea3n. Ph\u1ea1m vi quy\u1ec1n l\u1ee3i c\u00f3 th\u1ec3 ph\u1ee5 thu\u1ed9c v\u00e0o s\u1ea3n ph\u1ea9m, g\u00f3i b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n m\u1edf r\u1ed9ng. <strong>M\u1ed9t t\u00e0i li\u1ec7u kh\u00f4ng th\u1ec3 ph\u1ea3n \u00e1nh to\u00e0n b\u1ed9 th\u1ecb tr\u01b0\u1eddng<\/strong> v\u00e0 kh\u00f4ng n\u00ean \u0111\u01b0\u1ee3c coi l\u00e0 c\u00e2u tr\u1ea3 l\u1eddi chung chung cho c\u00e2u h\u1ecfi v\u1ec1 ph\u1ea1m vi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u1ea7n \u0111\u1eb7c bi\u1ec7t th\u1eadn tr\u1ecdng \u0111\u1ed1i v\u1edbi nh\u1eefng s\u1ef1 c\u1ed1 th\u01b0\u1eddng \u0111\u01b0\u1ee3c li\u00ean h\u1ec7 v\u1edbi b\u1ea3o hi\u1ec3m tai n\u1ea1n, m\u1eb7c d\u00f9 vi\u1ec7c c\u00f3 \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m hay kh\u00f4ng c\u00f3 th\u1ec3 ph\u1ee5 thu\u1ed9c v\u00e0o c\u00e1c \u0111i\u1ec1u ki\u1ec7n c\u1ee5 th\u1ec3. Kh\u00f4ng n\u00ean cho r\u1eb1ng nh\u1ed3i m\u00e1u c\u01a1 tim, \u0111\u1ed9t qu\u1ef5 ho\u1eb7c b\u1ec7nh t\u1eadt lu\u00f4n n\u1eb1m trong ph\u1ea1m vi b\u1ea3o hi\u1ec3m tai n\u1ea1n. N\u1ebfu kh\u00f4ng c\u00f3 x\u00e1c nh\u1eadn trong t\u00e0i li\u1ec7u v\u1ec1 ph\u01b0\u01a1ng \u00e1n b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p, kh\u00f4ng th\u1ec3 coi nh\u1eefng tr\u01b0\u1eddng h\u1ee3p n\u00e0y l\u00e0 m\u1ed9t ph\u1ea7n c\u1ee7a ph\u1ea1m vi b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"checklista-przed-zawarciem-umowy\">Danh s\u00e1ch ki\u1ec3m tra tr\u01b0\u1edbc khi k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng<\/h3>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-itemsnnw-checklist-01:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsnnw-checklist-01 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-itemsnnw-checklist-01 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsnnw-checklist-01 .kb-svg-icon-wrap{font-size:20px;color:#15803d;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsnnw-checklist-01 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-itemsnnw-checklist-01 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-itemsnnw-checklist-01 ul.kt-svg-icon-list{grid-row-gap:8px;}}@media all and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemsnnw-checklist-01 .kb-svg-icon-wrap{font-size:20px;}}@media all and (max-width: 767px){.wp-block-kadence-iconlist.kt-svg-icon-list-itemsnnw-checklist-01 ul.kt-svg-icon-list{grid-row-gap:8px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsnnw-checklist-01 .kb-svg-icon-wrap{font-size:20px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-itemsnnw-checklist-01 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-nnw-check-01 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-nnw-check-01 .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-nnw-check-01 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>Xem \u0111\u1ecbnh ngh\u0129a c\u00e1c s\u1ef1 ki\u1ec7n<\/strong> v\u00e0 h\u00e3y \u0111\u1ea3m b\u1ea3o r\u1eb1ng ch\u00fang ph\u00f9 h\u1ee3p v\u1edbi nh\u1eefng t\u00ecnh hu\u1ed1ng m\u00e0 b\u1ea1n lo ng\u1ea1i.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-nnw-check-02 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-nnw-check-02 .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-nnw-check-02 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">H\u00e3y t\u00ecm c\u00e1c d\u1ecbch v\u1ee5 c\u01a1 b\u1ea3n v\u00e0 m\u1edf r\u1ed9ng; kh\u00f4ng g\u1ed9p ch\u00fang v\u00e0o c\u00f9ng m\u1ed9t danh m\u1ee5c.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-nnw-check-03 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-nnw-check-03 .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-nnw-check-03 kt-svg-icon-list-style-default\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewbox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">H\u00e3y ki\u1ec3m tra m\u1ee9c b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1ch t\u00ednh ti\u1ec1n b\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-nnw-check-04 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-nnw-check-04 .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-nnw-check-04 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\">Vui l\u00f2ng \u0111\u1ecdc k\u1ef9 c\u00e1c tr\u01b0\u1eddng h\u1ee3p ngo\u1ea1i l\u1ec7, gi\u1edbi h\u1ea1n v\u00e0 \u0111i\u1ec1u ki\u1ec7n \u00e1p d\u1ee5ng cho g\u00f3i d\u1ecbch v\u1ee5 b\u1ea1n \u0111\u00e3 ch\u1ecdn.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-nnw-check-05 .kt-svg-icon-list-single{font-size:20px !important;color:#15803d !important;}.kt-svg-icon-list-item-nnw-check-05 .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-nnw-check-05 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>Ghi l\u1ea1i phi\u00ean b\u1ea3n v\u00e0 ng\u00e0y th\u00e1ng c\u1ee7a \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung<\/strong>, l\u00e0 nh\u1eefng ti\u00eau ch\u00ed m\u00e0 b\u1ea1n d\u1ef1a v\u00e0o \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 \u0111\u1ec1 xu\u1ea5t.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu b\u1ea1n mu\u1ed1n l\u00e0m r\u00f5 c\u00e1c l\u00fd do \u0111\u1ec3 mua lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0y tr\u01b0\u1edbc ti\u00ean, h\u00e3y \u0111\u1ecdc th\u00eam b\u00e0i vi\u1ebft v\u1ec1 <a href=\"https:\/\/medicalinsurance.pl\/vi\/cam-nang\/bao-hiem-tai-nan-ca-nhan\/tai-sao-nen-tham-gia-bao-hiem-tai-nan-lao-dong\/\">nh\u1eefng l\u1ee3i \u00edch c\u1ee7a b\u1ea3o hi\u1ec3m tai n\u1ea1n c\u00e1 nh\u00e2n<\/a>. Tuy nhi\u00ean, xin l\u01b0u \u00fd r\u1eb1ng vi\u1ec7c m\u00f4 t\u1ea3 c\u00e1c l\u1ee3i \u00edch kh\u00f4ng th\u1ec3 thay th\u1ebf cho vi\u1ec7c ph\u00e2n t\u00edch c\u00e1c t\u00e0i li\u1ec7u h\u1ee3p \u0111\u1ed3ng li\u00ean quan.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"co-zrobic-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\">Sau khi s\u1ef1 c\u1ed1 x\u1ea3y ra, kh\u00f4ng ch\u1ec9 ph\u1ea1m vi b\u1ea3o hi\u1ec3m m\u1edbi quan tr\u1ecdng, m\u00e0 vi\u1ec7c th\u1ef1c hi\u1ec7n c\u00e1c ngh\u0129a v\u1ee5 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng c\u0169ng r\u1ea5t quan tr\u1ecdng. C\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) kh\u00e1c nhau c\u00f3 th\u1ec3 y\u00eau c\u1ea7u c\u00e1c th\u00f4ng tin v\u00e0 t\u00e0i li\u1ec7u kh\u00e1c nhau, do \u0111\u00f3, qu\u00fd v\u1ecb c\u1ea7n tu\u00e2n th\u1ee7 c\u00e1c quy \u0111\u1ecbnh \u00e1p d\u1ee5ng cho ch\u00ednh h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee7a m\u00ecnh.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Trong \u0110i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chung (OWU) c\u1ee7a Warta n\u0103m 2025 d\u00e0nh cho b\u1ea3o hi\u1ec3m tai n\u1ea1n v\u00e0 d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3, ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m c\u00f3 <strong>b\u1ea3o qu\u1ea3n c\u00e1c ch\u1ee9ng c\u1ee9 li\u00ean quan \u0111\u1ebfn v\u1ee5 tai n\u1ea1n<\/strong>. T\u00e0i li\u1ec7u n\u00e0y c\u0169ng y\u00eau c\u1ea7u cung c\u1ea5p \u0111\u1ea7y \u0111\u1ee7 h\u1ed3 s\u01a1 y t\u1ebf v\u1ec1 qu\u00e1 tr\u00ecnh \u0111i\u1ec1u tr\u1ecb sau tai n\u1ea1n c\u0169ng nh\u01b0 h\u1ed3 s\u01a1 y t\u1ebf tr\u01b0\u1edbc tai n\u1ea1n. Trong s\u1ea3n ph\u1ea9m n\u00e0y <strong>H\u1ed3 s\u01a1 y t\u1ebf \u0111\u1ea7y \u0111\u1ee7 c\u00f3 \u00fd ngh\u0129a then ch\u1ed1t<\/strong> \u0111\u1ec3 l\u00e0m c\u0103n c\u1ee9 cho y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chung (OWU) c\u1ee7a PZU NNW n\u0103m 2020 quy \u0111\u1ecbnh r\u1eb1ng ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m ph\u1ea3i ngay l\u1eadp t\u1ee9c \u0111i kh\u00e1m b\u00e1c s\u0129 v\u00e0 tu\u00e2n th\u1ee7 ph\u00e1c \u0111\u1ed3 \u0111i\u1ec1u tr\u1ecb \u0111\u01b0\u1ee3c ch\u1ec9 \u0111\u1ecbnh, th\u00f4ng b\u00e1o cho PZU, sau \u0111\u00f3 cung c\u1ea5p b\u1ea3n t\u01b0\u1eddng tr\u00ecnh v\u1ec1 nguy\u00ean nh\u00e2n v\u00e0 di\u1ec5n bi\u1ebfn c\u1ee7a s\u1ef1 c\u1ed1 c\u00f9ng v\u1edbi h\u1ed3 s\u01a1 y t\u1ebf x\u00e1c nh\u1eadn ch\u1ea5n th\u01b0\u01a1ng ho\u1eb7c t\u00ecnh tr\u1ea1ng s\u1ee9c kh\u1ecfe b\u1ecb \u1ea3nh h\u01b0\u1edfng. <strong>M\u00f4 t\u1ea3 nguy\u00ean nh\u00e2n v\u00e0 di\u1ec5n bi\u1ebfn c\u1ee7a v\u1ee5 tai n\u1ea1n<\/strong> ph\u1ea3i c\u1ee5 th\u1ec3 v\u00e0 ph\u00f9 h\u1ee3p v\u1edbi c\u00e1c t\u00e0i li\u1ec7u hi\u1ec7n c\u00f3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chung (OWU) c\u1ee7a TUZ Ubezpieczenia n\u0103m 2026 quy \u0111\u1ecbnh ph\u1ea3i th\u00f4ng b\u00e1o cho c\u00f4ng ty b\u1ea3o hi\u1ec3m 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. C\u00e1c \u0111i\u1ec1u kho\u1ea3n n\u00e0y c\u0169ng y\u00eau c\u1ea7u ph\u1ea3i \u0111i\u1ec1n v\u00e0o m\u1eabu \u0111\u01a1n khai b\u00e1o thi\u1ec7t h\u1ea1i. Th\u1eddi h\u1ea1n n\u00e0y c\u00f3 th\u1ec3 b\u1ecb \u0111i\u1ec1u ch\u1ec9nh theo c\u00e1c quy \u0111\u1ecbnh ri\u00eang trong c\u00e1c \u0111i\u1ec1u kho\u1ea3n b\u1ed5 sung. <strong>Th\u1eddi h\u1ea1n 14 ng\u00e0y \u00e1p d\u1ee5ng cho t\u00e0i li\u1ec7u TUZ n\u00e0y<\/strong> v\u00e0 \u0111\u00e2y kh\u00f4ng ph\u1ea3i l\u00e0 thu\u1eadt ng\u1eef chung \u00e1p d\u1ee5ng cho t\u1ea5t c\u1ea3 c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u00ecnh t\u1ef1 th\u1ef1c hi\u1ec7n an to\u00e0n nh\u1ea5t l\u00e0:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>nh\u1eadn s\u1ef1 gi\u00fap \u0111\u1ee1 c\u1ea7n thi\u1ebft v\u00e0 tu\u00e2n th\u1ee7 ph\u00e1c \u0111\u1ed3 \u0111i\u1ec1u tr\u1ecb \u0111\u01b0\u1ee3c ch\u1ec9 \u0111\u1ecbnh;<\/li>\n\n\n\n<li><strong>b\u1ea3o qu\u1ea3n c\u00e1c t\u00e0i li\u1ec7u v\u00e0 b\u1eb1ng ch\u1ee9ng<\/strong> li\u00ean quan \u0111\u1ebfn s\u1ef1 vi\u1ec7c;<\/li>\n\n\n\n<li>ki\u1ec3m tra quy tr\u00ecnh v\u00e0 th\u1eddi h\u1ea1n trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung c\u1ee7a ch\u00ednh m\u00ecnh;<\/li>\n\n\n\n<li>b\u00e1o c\u00e1o s\u1ef1 c\u1ed1 v\u00e0 cung c\u1ea5p m\u00f4 t\u1ea3 c\u0169ng nh\u01b0 t\u00e0i li\u1ec7u c\u1ea7n thi\u1ebft;<\/li>\n\n\n\n<li>gi\u1eef l\u1ea1i b\u1ea3n sao c\u00e1c t\u00e0i li\u1ec7u \u0111\u00e3 g\u1eedi.<\/li>\n<\/ol>\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 c\u00e1 nh\u00e2n<\/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-obejmuje-trwaly-uszczerbek-na-zdrowiu\">Li\u1ec7u m\u1ecdi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m tai n\u1ea1n (NNW) c\u00f3 bao g\u1ed3m t\u1ed5n th\u01b0\u01a1ng s\u1ee9c kh\u1ecfe v\u0129nh vi\u1ec5n hay kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng th\u1ec3 kh\u1eb3ng \u0111\u1ecbnh \u0111i\u1ec1u n\u00e0y \u00e1p d\u1ee5ng cho m\u1ecdi h\u1ee3p \u0111\u1ed3ng ch\u1ec9 b\u1eb1ng m\u1ed9t tuy\u00ean b\u1ed1 chung chung. T\u1ed5n th\u01b0\u01a1ng v\u0129nh vi\u1ec5n n\u1eb1m trong ph\u1ea1m vi c\u01a1 b\u1ea3n c\u1ee7a G\u00f3i b\u1ea3o hi\u1ec3m d\u00e0nh cho b\u1ea1n \u2013 NNW Warta, tuy nhi\u00ean, ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u1ee7a t\u1eebng h\u1ee3p \u0111\u1ed3ng c\u1ee5 th\u1ec3 c\u1ea7n \u0111\u01b0\u1ee3c ki\u1ec3m tra trong t\u00e0i li\u1ec7u c\u1ee7a t\u1eebng phi\u00ean b\u1ea3n c\u1ee5 th\u1ec3.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-suma-ubezpieczenia-jest-kwota-wyplacana-po-kazdym-wypadku\">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 v\u1ee5 tai n\u1ea1n 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. Trong tr\u01b0\u1eddng h\u1ee3p x\u1ea3y ra thi\u1ec7t h\u1ea1i, m\u1ee9c b\u1ed3i th\u01b0\u1eddng \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh theo t\u1ef7 l\u1ec7 ph\u1ea7n tr\u0103m c\u1ee7a s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m, theo b\u1ea3ng quy \u0111\u1ecbnh trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU). <strong>S\u1ed1 ti\u1ec1n \u0111\u1ea7y \u0111\u1ee7 kh\u00f4ng \u0111\u01b0\u1ee3c t\u1ef1 \u0111\u1ed9ng c\u1ea5p<\/strong> sau m\u1ed7i s\u1ef1 ki\u1ec7n thu\u1ed9c ph\u1ea1m vi \u00e1p d\u1ee5ng.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-assistance-zawsze-znajduje-sie-w-podstawowym-nnw\">D\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3 c\u00f3 lu\u00f4n \u0111\u01b0\u1ee3c bao g\u1ed3m trong g\u00f3i b\u1ea3o hi\u1ec3m tai n\u1ea1n c\u01a1 b\u1ea3n kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng n\u00ean gi\u1ea3 \u0111\u1ecbnh \u0111i\u1ec1u n\u00e0y. Trong g\u00f3i d\u1ecbch v\u1ee5 Warta Assistance \u0111\u01b0\u1ee3c m\u00f4 t\u1ea3, \u0111i\u1ec1u n\u00e0y \u00e1p d\u1ee5ng cho c\u00e1c h\u1ee3p \u0111\u1ed3ng c\u00f3 th\u1eddi h\u1ea1n 12 th\u00e1ng, trong khi c\u00e1c s\u1ea3n ph\u1ea9m kh\u00e1c c\u00f3 th\u1ec3 c\u00f3 c\u00e1c \u0111i\u1ec1u ki\u1ec7n kh\u00e1c nhau. Vi\u1ec7c c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 n\u00e0y c\u1ea7n \u0111\u01b0\u1ee3c x\u00e1c nh\u1eadn trong g\u00f3i d\u1ecbch v\u1ee5 \u0111\u00e3 ch\u1ecdn.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-rozszerzenia-sa-wliczone-w-podstawowy-zakres\">C\u00e1c ti\u1ec7n \u00edch m\u1edf r\u1ed9ng c\u00f3 \u0111\u01b0\u1ee3c bao g\u1ed3m trong ph\u1ea1m vi c\u01a1 b\u1ea3n kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o c\u0169ng v\u1eady. Theo c\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) \u0111\u01b0\u1ee3c tr\u00edch d\u1eabn, vi\u1ec7c m\u1edf r\u1ed9ng ph\u1ea1m vi b\u1ea3o hi\u1ec3m trong g\u00f3i b\u1ea3o hi\u1ec3m tai n\u1ea1n PZU NNW Og\u00f3lne \u0111\u00f2i h\u1ecfi ph\u1ea3i \u0111\u00f3ng th\u00eam ph\u00ed b\u1ea3o hi\u1ec3m. <strong>Ph\u1ea7n m\u1edf r\u1ed9ng kh\u00f4ng \u0111\u1ed3ng ngh\u0129a v\u1edbi ph\u1ea7n c\u01a1 s\u1edf<\/strong>, do \u0111\u00f3 c\u1ea7n ph\u1ea3i ph\u00e2n t\u00edch ri\u00eang t\u1eebng ph\u1ea1m vi.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"jakie-dokumenty-warto-zachowac-po-wypadku\">Sau khi x\u1ea3y ra tai n\u1ea1n, n\u00ean gi\u1eef l\u1ea1i nh\u1eefng gi\u1ea5y t\u1edd n\u00e0o?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ph\u1ea1m vi h\u1ed3 s\u01a1 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong c\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) t\u01b0\u01a1ng \u1ee9ng. \u0110\u1ed1i v\u1edbi s\u1ea3n ph\u1ea9m \u0111\u01b0\u1ee3c \u0111\u1ec1 c\u1eadp, Warta y\u00eau c\u1ea7u c\u00e1c b\u1eb1ng ch\u1ee9ng li\u00ean quan \u0111\u1ebfn v\u1ee5 tai n\u1ea1n c\u0169ng nh\u01b0 h\u1ed3 s\u01a1 y t\u1ebf \u0111\u1ea7y \u0111\u1ee7 v\u1ec1 qu\u00e1 tr\u00ecnh \u0111i\u1ec1u tr\u1ecb sau tai n\u1ea1n v\u00e0 tr\u01b0\u1edbc khi x\u1ea3y ra tai n\u1ea1n. PZU c\u0169ng y\u00eau c\u1ea7u b\u1ea3n m\u00f4 t\u1ea3 nguy\u00ean nh\u00e2n v\u00e0 di\u1ec5n bi\u1ebfn c\u1ee7a s\u1ef1 vi\u1ec7c, c\u00f9ng v\u1edbi c\u00e1c t\u00e0i li\u1ec7u x\u00e1c nh\u1eadn ch\u1ea5n th\u01b0\u01a1ng ho\u1eb7c t\u00ecnh tr\u1ea1ng s\u1ee9c kh\u1ecfe b\u1ecb suy gi\u1ea3m.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"ile-czasu-jest-na-zgloszenie-zdarzenia\">C\u00f3 bao nhi\u00eau th\u1eddi gian \u0111\u1ec3 b\u00e1o c\u00e1o s\u1ef1 c\u1ed1?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">B\u1ea1n c\u1ea7n ki\u1ec3m tra th\u1eddi h\u1ea1n quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng c\u1ee7a m\u00ecnh. C\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) c\u1ee7a TUZ Ubezpieczenia \u0111\u01b0\u1ee3c tr\u00edch d\u1eabn n\u00eau r\u00f5 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, tr\u1eeb khi c\u00f3 quy \u0111\u1ecbnh ri\u00eang trong c\u00e1c \u0111i\u1ec1u kho\u1ea3n b\u1ed5 sung. <strong>\u0110i\u1ec1u n\u00e0y kh\u00f4ng ph\u1ea3i l\u00e0 quy lu\u1eadt \u00e1p d\u1ee5ng cho to\u00e0n b\u1ed9 th\u1ecb tr\u01b0\u1eddng<\/strong>.<\/p>\n\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-ocenic-polise-przed-zakupem\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m tr\u01b0\u1edbc khi mua<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Vi\u1ec7c \u0111\u00e1nh gi\u00e1 ch\u00ednh x\u00e1c b\u1ea3o hi\u1ec3m tai n\u1ea1n b\u1eaft \u0111\u1ea7u t\u1eeb vi\u1ec7c x\u00e1c \u0111\u1ecbnh r\u00f5 r\u00e0ng c\u00e1c quy\u1ec1n l\u1ee3i c\u1ea7n thi\u1ebft, v\u00e0 k\u1ebft th\u00fac b\u1eb1ng vi\u1ec7c ki\u1ec3m tra ph\u1ea1m vi c\u1ee7a ch\u00fang trong t\u1eebng g\u00f3i c\u1ee5 th\u1ec3 c\u0169ng nh\u01b0 c\u00e1c t\u00e0i li\u1ec7u hi\u1ec7n h\u00e0nh. Kh\u00f4ng n\u00ean ch\u1ec9 so s\u00e1nh c\u00e1c ti\u00eau \u0111\u1ec1 c\u1ee7a c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m. \u0110i\u1ec1u quan tr\u1ecdng l\u00e0 ph\u1ea3i so s\u00e1nh c\u00e1c \u0111\u1ecbnh ngh\u0129a v\u1ec1 s\u1ef1 ki\u1ec7n, ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u01a1 b\u1ea3n, c\u00e1c t\u00f9y ch\u1ecdn m\u1edf r\u1ed9ng c\u00f3 s\u1eb5n, s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m, quy t\u1eafc t\u00ednh to\u00e1n quy\u1ec1n l\u1ee3i, c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb tr\u00e1ch nhi\u1ec7m v\u00e0 ngh\u0129a v\u1ee5 c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m sau tai n\u1ea1n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">K\u1ebft lu\u1eadn quan tr\u1ecdng nh\u1ea5t r\u1ea5t \u0111\u01a1n gi\u1ea3n: <strong>Quy\u1ebft \u0111\u1ecbnh n\u00e0y ph\u1ea3i d\u1ef1a tr\u00ean c\u00e1c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung c\u1ee5 th\u1ec3<\/strong>. C\u00e1c v\u00ed d\u1ee5 v\u1ec1 Warta, Compensa, PZU v\u00e0 TUZ Ubezpieczenia cho th\u1ea5y c\u00e1c y\u1ebfu t\u1ed1 b\u1ea3o hi\u1ec3m v\u00e0 th\u1ee7 t\u1ee5c kh\u00e1c nhau, nh\u01b0ng kh\u00f4ng c\u00f3 c\u00f4ng ty n\u00e0o trong s\u1ed1 \u0111\u00f3 thi\u1ebft l\u1eadp m\u1ed9t ti\u00eau chu\u1ea9n chung cho t\u1ea5t c\u1ea3 c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m. H\u00e3y ch\u1ecdn ph\u1ea1m vi b\u1ea3o hi\u1ec3m m\u00e0 b\u1ea1n hi\u1ec3u r\u00f5 c\u00e1c \u0111i\u1ec1u kho\u1ea3n v\u00e0 l\u01b0u gi\u1eef c\u00e1c t\u00e0i li\u1ec7u c\u00f3 hi\u1ec7u l\u1ef1c \u0111\u1ed1i v\u1edbi h\u1ee3p \u0111\u1ed3ng \u0111\u00e3 k\u00fd k\u1ebft.<\/p>","protected":false},"excerpt":{"rendered":"<p>B\u1ea3o hi\u1ec3m tai n\u1ea1n c\u00e1 nh\u00e2n kh\u00f4ng c\u00f3 ph\u1ea1m vi b\u1ea3o hi\u1ec3m chung duy nh\u1ea5t \u00e1p d\u1ee5ng cho t\u1ea5t c\u1ea3 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m. C\u00f9ng m\u1ed9t t\u00ean g\u1ecdi c\u00f3 th\u1ec3 t\u01b0\u01a1ng \u1ee9ng v\u1edbi c\u00e1c g\u00f3i quy\u1ec1n l\u1ee3i kh\u00e1c nhau, c\u00e1c quy t\u1eafc t\u00ednh to\u00e1n kh\u00e1c nhau\u2026<\/p>","protected":false},"author":1,"featured_media":3423,"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":[93,92,91,90],"class_list":["post-3424","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ubezpieczenie-nnw-indywidualne","tag-owu-nnw","tag-uszczerbek-na-zdrowiu","tag-wylaczenia-nnw","tag-zakres-ochrony-nnw"],"acf":[],"yoast_head":"<!-- This site is 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