{"id":3406,"date":"2025-12-04T16:24:19","date_gmt":"2025-12-04T15:24:19","guid":{"rendered":"https:\/\/insurancevisa.com\/nieskategoryzowane\/ubezpieczenie-leczenia-szpitalnego-cudzoziemcow-zakres\/"},"modified":"2026-09-05T03:31:46","modified_gmt":"2026-09-05T01:31:46","slug":"bao-hiem-dieu-tri-noi-tru-cho-nguoi-nuoc-ngoai-pham-vi-bao-hiem","status":"publish","type":"post","link":"https:\/\/insurancevisa.com\/vi\/poradnik\/najczestsze-pytania-i-problemy-cudzoziemcow\/ubezpieczenie-leczenia-szpitalnego-cudzoziemcow-zakres\/","title":{"rendered":"B\u1ea3o hi\u1ec3m \u0111i\u1ec1u tr\u1ecb n\u1ed9i tr\u00fa cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i \u2013 ph\u1ea1m vi b\u1ea3o hi\u1ec3m"},"content":{"rendered":"<div class=\"wp-block-kadence-rowlayout\">\n<div class=\"kt-row-layout-inner\">\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 class=\"kt-adv-heading\">\u0110i\u1ec1u tr\u1ecb n\u1ed9i tr\u00fa cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i t\u1ea1i Ba Lan<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Khi b\u1ea1n \u0111\u1ed9t nhi\u00ean c\u1ea7n nh\u1eadp vi\u1ec7n \u1edf Ba Lan, th\u1eddi gian v\u00e0 b\u1ea3o hi\u1ec3m \u0111i\u1ec1u tr\u1ecb b\u1ec7nh vi\u1ec7n ph\u00f9 h\u1ee3p l\u00e0 r\u1ea5t quan tr\u1ecdng. Nhi\u1ec1u ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i th\u1eafc m\u1eafc v\u1ec1 c\u00e1c d\u1ecbch v\u1ee5 th\u1ef1c s\u1ef1 c\u00f3 hi\u1ec7u l\u1ef1c v\u00e0 c\u00e1ch thanh to\u00e1n. H\u01b0\u1edbng d\u1eabn n\u00e0y gi\u1ea3i th\u00edch c\u00e1ch th\u1ee9c b\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i ho\u1ea1t \u0111\u1ed9ng v\u00e0 b\u1ea3o hi\u1ec3m b\u1ec7nh vi\u1ec7n chi tr\u1ea3 nh\u1eefng g\u00ec trong th\u1ef1c t\u1ebf.<\/p>\n<p>Ch\u00fang t\u00f4i m\u00f4 t\u1ea3 ph\u1ea1m vi d\u1ecbch v\u1ee5, c\u00e1c gi\u1edbi h\u1ea1n th\u00f4ng th\u01b0\u1eddng v\u00e0 c\u00e1c b\u01b0\u1edbc \u0111\u01a1n gi\u1ea3n khi nh\u1eadp vi\u1ec7n. Nh\u1edd \u0111\u00f3, ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i c\u00f3 th\u1ec3 s\u1eafp x\u1ebfp vi\u1ec7c \u0111i\u1ec1u tr\u1ecb t\u1ea1i b\u1ec7nh vi\u1ec7n nhanh h\u01a1n v\u00e0 kh\u00f4ng ph\u1ea3i chi tr\u1ea3 th\u00eam chi ph\u00ed kh\u00f4ng c\u1ea7n thi\u1ebft.<\/p>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 class=\"kt-adv-heading\">B\u1ea3o hi\u1ec3m b\u1ec7nh vi\u1ec7n bao g\u1ed3m nh\u1eefng g\u00ec?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m ti\u00eau chu\u1ea9n cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i bao g\u1ed3m chi ph\u00ed nh\u1eadp vi\u1ec7n, ph\u1eabu thu\u1eadt v\u00e0 ch\u1ea9n \u0111o\u00e1n y t\u1ebf c\u1ea7n thi\u1ebft sau khi b\u1ecb \u1ed1m \u0111\u1ed9t ng\u1ed9t ho\u1eb7c tai n\u1ea1n. Th\u01b0\u1eddng \u0111\u1ea3m b\u1ea3o thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t sau khi b\u00e1o c\u00e1o s\u1ef1 vi\u1ec7c cho Trung t\u00e2m C\u1ea5p c\u1ee9u.<\/p>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h3 class=\"kt-adv-heading\">Nh\u1eadp vi\u1ec7n v\u00e0 ph\u1eabu thu\u1eadt<\/h3>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m bao g\u1ed3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb n\u1ed9i tr\u00fa, bao g\u1ed3m \u0103n u\u1ed1ng v\u00e0 ch\u0103m s\u00f3c, c\u0169ng nh\u01b0 c\u00e1c ca ph\u1eabu thu\u1eadt v\u00e0 g\u00e2y m\u00ea. Ch\u00ednh s\u00e1ch n\u00e0y c\u0169ng bao g\u1ed3m \u0111i\u1ec1u tr\u1ecb t\u1ea1i ph\u00f2ng ch\u0103m s\u00f3c \u0111\u1eb7c bi\u1ec7t v\u00e0 ph\u00f2ng theo d\u00f5i, n\u1ebfu c\u00f3 ch\u1ec9 \u0111\u1ecbnh y t\u1ebf. Nhi\u1ec1u \u0111i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chung c\u0169ng bao g\u1ed3m \u0111i\u1ec1u tr\u1ecb t\u1ea1i c\u00e1c ph\u00f2ng kh\u00e1m ngo\u1ea1i tr\u00fa, c\u00e1c th\u1ee7 thu\u1eadt ngo\u1ea1i tr\u00fa v\u00e0 c\u00e1c x\u00e9t nghi\u1ec7m ch\u1ea9n \u0111o\u00e1n c\u1ea7n thi\u1ebft.<\/p>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h3 class=\"kt-adv-heading\">V\u1eadn chuy\u1ec3n v\u00e0 h\u1ed7 tr\u1ee3<\/h3>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Ph\u1ea1m vi h\u1ed7 tr\u1ee3 th\u01b0\u1eddng bao g\u1ed3m v\u1eadn chuy\u1ec3n y t\u1ebf, t\u1ed5 ch\u1ee9c \u0111i\u1ec1u tr\u1ecb b\u1edfi Trung t\u00e2m C\u1ea5p c\u1ee9u, h\u1ed7 tr\u1ee3 phi\u00ean d\u1ecbch v\u00e0 h\u1ed3i h\u01b0\u01a1ng y t\u1ebf. Nhi\u1ec1u h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u0169ng c\u00f3 gi\u1edbi h\u1ea1n v\u1ec1 v\u1eadn chuy\u1ec3n thi th\u1ec3 ho\u1eb7c h\u1ed3i h\u01b0\u01a1ng sau khi k\u1ebft th\u00fac \u0111i\u1ec1u tr\u1ecb, c\u0169ng nh\u01b0 h\u1ed7 tr\u1ee3 nha khoa kh\u1ea9n c\u1ea5p.<\/p>\n<\/div>\n<div class=\"wp-block-kadence-infobox has-theme-palette-8-background-color has-background\">\n<div class=\"kt-blocks-info-box-link-wrap\">\n<div class=\"kt-infobox-textcontent\">\n<h4 class=\"kt-blocks-info-box-title\">\ud83d\udca1 M\u1eb9o<\/h4>\n<p class=\"kt-blocks-info-box-text\">N\u1ebfu c\u00f3 th\u1ec3, h\u00e3y g\u1ecdi cho Trung t\u00e2m C\u1ea5p c\u1ee9u tr\u01b0\u1edbc khi nh\u1eadp vi\u1ec7n. \u0110i\u1ec1u n\u00e0y s\u1ebd gi\u00fap b\u1ea1n d\u1ec5 d\u00e0ng thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t v\u00e0 ch\u1ecdn b\u1ec7nh vi\u1ec7n ph\u00f9 h\u1ee3p.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 class=\"kt-adv-heading\">T\u1ed5ng s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m v\u00e0 gi\u1edbi h\u1ea1n trong th\u1ef1c t\u1ebf<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Trong c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i, m\u1ee9c chi ph\u00ed \u0111i\u1ec1u tr\u1ecb ph\u1ed5 bi\u1ebfn l\u00e0 30.000 \u20ac ho\u1eb7c 60.000 \u20ac cho m\u1ed7i ng\u01b0\u1eddi. C\u00e1c gi\u1edbi h\u1ea1n th\u01b0\u1eddng g\u1eb7p l\u00e0: v\u1eadn chuy\u1ec3n thi th\u1ec3 \u0111\u1ebfn 10.000 euro, h\u1ed3i h\u01b0\u01a1ng ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m \u0111\u1ebfn 10.000 euro v\u00e0 c\u1ea5p c\u1ee9u nha khoa \u0111\u1ebfn kho\u1ea3ng 100 euro. C\u00e1c b\u1ec7nh m\u00e3n t\u00ednh th\u01b0\u1eddng y\u00eau c\u1ea7u m\u1edf r\u1ed9ng ph\u1ea1m vi b\u1ea3o hi\u1ec3m v\u00e0 tr\u1ea3 th\u00eam ph\u00ed b\u1ea3o hi\u1ec3m.<\/p>\n<p>Th\u1eddi gian n\u1eb1m vi\u1ec7n t\u1ed1i thi\u1ec3u l\u00e0 24 gi\u1edd, t\u00ednh t\u1eeb khi \u0111\u0103ng k\u00fd \u0111\u1ebfn khi xu\u1ea5t vi\u1ec7n. B\u1ea1n n\u00ean ki\u1ec3m tra chi ti\u1ebft trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) \u0111\u1ec3 bi\u1ebft c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb, v\u00ed d\u1ee5 nh\u01b0 c\u00e1c th\u1ee7 thu\u1eadt ho\u1eb7c \u0111i\u1ec1u tr\u1ecb theo k\u1ebf ho\u1ea1ch m\u00e0 kh\u00f4ng c\u00f3 ch\u1ec9 \u0111\u1ecbnh c\u1ea5p c\u1ee9u. N\u1ebfu b\u1ea1n mu\u1ed1n t\u00ecm hi\u1ec3u th\u00eam v\u1ec1 \u0111\u1ed9i ng\u0169 v\u00e0 h\u1ed7 tr\u1ee3, h\u00e3y truy c\u1eadp trang web. <a href=\"\/vi\/ve-chung-toi\/\">v\u1ec1 ch\u00fang t\u00f4i<\/a>.<\/p>\n<\/div>\n<div class=\"wp-block-kadence-infobox has-theme-palette-8-background-color has-background\">\n<div class=\"kt-blocks-info-box-link-wrap\">\n<div class=\"kt-infobox-textcontent\">\n<h4 class=\"kt-blocks-info-box-title\">\ud83d\udcc4 T\u00e0i li\u1ec7u \u0111\u1ec3 ho\u00e0n ti\u1ec1n<\/h4>\n<p class=\"kt-blocks-info-box-text\">Gi\u1eef l\u1ea1i c\u00e1c h\u00f3a \u0111\u01a1n c\u00f3 th\u00f4ng tin c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m v\u00e0 c\u01a1 s\u1edf y t\u1ebf, c\u00f9ng v\u1edbi con d\u1ea5u v\u00e0 ch\u1eef k\u00fd c\u1ee7a b\u00e1c s\u0129. \u0110\u00e2y l\u00e0 \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 \u0111\u01b0\u1ee3c ho\u00e0n tr\u1ea3 chi ph\u00ed m\u1ed9t c\u00e1ch thu\u1eadn l\u1ee3i.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 class=\"kt-adv-heading\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 s\u1eed d\u1ee5ng ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m t\u1ea1i b\u1ec7nh vi\u1ec7n<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>D\u01b0\u1edbi \u0111\u00e2y l\u00e0 th\u1ee7 t\u1ee5c \u0111\u01a1n gi\u1ea3n gi\u00fap r\u00fat ng\u1eafn th\u1eddi gian ti\u1ebfp nh\u1eadn v\u00e0 thanh to\u00e1n. Nh\u1edd \u0111\u00f3, b\u1ea1n s\u1ebd tr\u00e1nh \u0111\u01b0\u1ee3c c\u00e1c kho\u1ea3n ph\u00ed kh\u00f4ng c\u1ea7n thi\u1ebft v\u00e0 \u0111\u1ea3m b\u1ea3o r\u1eb1ng c\u00e1c d\u1ecbch v\u1ee5 s\u1ebd ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea7y \u0111\u1ee7.<\/p>\n<\/div>\n<div class=\"wp-block-kadence-iconlist\">\n<ul class=\"kt-svg-icon-list\">\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>B\u01b0\u1edbc 1:<\/strong> Li\u00ean h\u1ec7 v\u1edbi Trung t\u00e2m C\u1ea3nh b\u00e1o trong ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>B\u01b0\u1edbc 2:<\/strong> Chu\u1ea9n b\u1ecb h\u1ed9 chi\u1ebfu, h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 s\u1ed1 \u0111i\u1ec7n tho\u1ea1i li\u00ean l\u1ea1c.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>B\u01b0\u1edbc 3:<\/strong> H\u00e3y \u0111\u1ebfn c\u01a1 s\u1edf y t\u1ebf \u0111\u01b0\u1ee3c ch\u1ec9 \u0111\u1ecbnh.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>B\u01b0\u1edbc 4:<\/strong> Kh\u00f4ng thanh to\u00e1n b\u1eb1ng ti\u1ec1n m\u1eb7t n\u1ebfu c\u00f3 th\u1ec3 thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>B\u01b0\u1edbc 5:<\/strong> Khi y\u00eau c\u1ea7u ho\u00e0n ti\u1ec1n, h\u00e3y \u0111\u00ednh k\u00e8m h\u00f3a \u0111\u01a1n c\u00f3 d\u1ea5u v\u00e0 ch\u1eef k\u00fd.<\/span><\/li>\n<\/ul>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>B\u1ea1n c\u00f3 c\u00e2u h\u1ecfi? H\u00e3y vi\u1ebft th\u01b0 ho\u1eb7c g\u1ecdi \u0111i\u1ec7n tho\u1ea1i \u2013 nhanh ch\u00f3ng <a href=\"\/vi\/lien-he\/\">li\u00ean h\u1ec7 v\u1edbi c\u1ed1 v\u1ea5n<\/a> gi\u00fap l\u1ef1a ch\u1ecdn ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m v\u00e0 th\u1ea3o lu\u1eadn v\u1ec1 c\u00e1c gi\u1edbi h\u1ea1n v\u00e0 t\u00e0i li\u1ec7u m\u00e0 b\u1ec7nh vi\u1ec7n y\u00eau c\u1ea7u.<\/p>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 class=\"kt-adv-heading\">T\u00f3m t\u1eaft \u2013 k\u1ebft lu\u1eadn ch\u00ednh<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext has-theme-palette-8-background-color has-background\">\n<p>B\u1ea3o hi\u1ec3m \u0111i\u1ec1u tr\u1ecb b\u1ec7nh vi\u1ec7n t\u1ed1t cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i bao g\u1ed3m nh\u1eadp vi\u1ec7n, ph\u1eabu thu\u1eadt, v\u1eadn chuy\u1ec3n v\u00e0 h\u1ed7 tr\u1ee3, c\u0169ng nh\u01b0 c\u00e1c d\u1ecbch v\u1ee5 b\u1ed5 sung. Ki\u1ec3m tra c\u00e1c kho\u1ea3n ti\u1ec1n v\u00e0 gi\u1edbi h\u1ea1n trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) v\u00e0 nh\u1edb b\u00e1o c\u00e1o s\u1ef1 vi\u1ec7c cho Trung t\u00e2m C\u1ea5p c\u1ee9u.<\/p>\n<p>Mua b\u1ea3o hi\u1ec3m bao g\u1ed3m <a href=\"https:\/\/insurancevisa.com\/vi\/\">chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i<\/a> ho\u1eb7c s\u1eed d\u1ee5ng <a href=\"\/vi\/ban-do-trang-web\/\">b\u1ea3n \u0111\u1ed3 trang web<\/a>, \u0111\u1ec3 t\u00ecm th\u00f4ng tin c\u1ea7n thi\u1ebft.<\/p>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>\u0110i\u1ec1u tr\u1ecb n\u1ed9i tr\u00fa cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i t\u1ea1i Ba Lan Khi b\u1ea1n \u0111\u1ed9t ng\u1ed9t c\u1ea7n nh\u1eadp vi\u1ec7n t\u1ea1i Ba Lan, th\u1eddi gian v\u00e0 b\u1ea3o hi\u1ec3m \u0111i\u1ec1u tr\u1ecb n\u1ed9i tr\u00fa ph\u00f9 h\u1ee3p l\u00e0 r\u1ea5t quan tr\u1ecdng. Nhi\u1ec1u ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i...<\/p>","protected":false},"author":2,"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":[43],"tags":[55,61,63,56,58],"class_list":["post-3406","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-najczestsze-pytania-i-problemy-cudzoziemcow","tag-cudzoziemcy-w-polsce","tag-koszty-leczenia-cudzoziemcow","tag-owu","tag-polisa-medyczna","tag-ubezpieczenie-dla-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>Ubezpieczenie leczenia szpitalnego cudzoziemc\u00f3w \u2013 zakres - Insurance VISA<\/title>\n<meta name=\"description\" content=\"Ubezpieczenie leczenia szpitalnego cudzoziemc\u00f3w w Polsce \u2013 co pokrywa polisa, typowe limity i jak skorzysta\u0107 w szpitalu. 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