{"id":3504,"date":"2025-12-22T18:22:33","date_gmt":"2025-12-22T17:22:33","guid":{"rendered":"https:\/\/insurancevisa.com\/nieskategoryzowane\/prawa-cudzoziemcow-a-ubezpieczenie-w-polsce-poradnik\/"},"modified":"2026-09-30T05:22:22","modified_gmt":"2026-09-30T03:22:22","slug":"quyen-cua-nguoi-nuoc-ngoai-va-bao-hiem-o-ba-lan-huong-dan","status":"publish","type":"post","link":"https:\/\/insurancevisa.com\/vi\/poradnik\/najczestsze-pytania-i-problemy-cudzoziemcow\/prawa-cudzoziemcow-a-ubezpieczenie-w-polsce-poradnik\/","title":{"rendered":"Quy\u1ec1n c\u1ee7a ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i v\u00e0 b\u1ea3o hi\u1ec3m \u1edf Ba Lan \u2013 h\u01b0\u1edbng d\u1eabn"},"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\">Ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m c\u00f3 nh\u1eefng quy\u1ec1n g\u00ec?<\/h2>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Khi b\u1ea1n l\u00e0 ng\u01b0\u1eddi m\u1edbi \u0111\u1ebfn Ba Lan, b\u1ea1n c\u00f3 th\u1ec3 d\u1ec5 d\u00e0ng b\u1ecb nh\u1ea7m l\u1eabn gi\u1eefa c\u00e1c kh\u00e1i ni\u1ec7m: NFZ, ZUS, b\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n, th\u1ebb EKUZ, th\u1ecb th\u1ef1c v\u00e0 th\u1ebb c\u01b0 tr\u00fa. Tr\u00ean th\u1ef1c t\u1ebf, \u0111i\u1ec1u quan tr\u1ecdng nh\u1ea5t l\u00e0: v\u1edbi t\u01b0 c\u00e1ch l\u00e0 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, b\u1ea1n c\u00f3 c\u00e1c quy\u1ec1n c\u1ee5 th\u1ec3, b\u1ea5t k\u1ec3 qu\u1ed1c t\u1ecbch c\u1ee7a b\u1ea1n l\u00e0 g\u00ec. Ch\u1ec9 c\u00f3 ngu\u1ed3n b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea1n v\u00e0 c\u00e1ch th\u1ee9c b\u1ea1n s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 y t\u1ebf l\u00e0 kh\u00e1c nhau.<\/p>\n<p>Trong h\u01b0\u1edbng d\u1eabn n\u00e0y, ch\u00fang t\u00f4i gi\u1ea3i th\u00edch nh\u1eefng g\u00ec <strong>quy\u1ec1n c\u1ee7a ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i b\u1ea3o hi\u1ec3m<\/strong> cho bi\u1ebft \u1edf Ba Lan, quy\u1ec1n l\u1ee3i c\u1ee7a b\u1ea3o hi\u1ec3m y t\u1ebf qu\u1ed1c gia v\u00e0 b\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n nh\u01b0 th\u1ebf n\u00e0o, v\u00e0 ph\u1ea3i l\u00e0m g\u00ec khi c\u00f3 tranh ch\u1ea5p v\u1ec1 vi\u1ec7c ho\u00e0n tr\u1ea3 chi ph\u00ed ho\u1eb7c t\u1eeb ch\u1ed1i chi tr\u1ea3. Nh\u1edd \u0111\u00f3, b\u1ea1n s\u1ebd d\u1ec5 d\u00e0ng \u0111\u00e1nh gi\u00e1 xem li\u1ec7u <strong>b\u1ea3o hi\u1ec3m quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i<\/strong> th\u1ef1c s\u1ef1 b\u1ea3o v\u1ec7 b\u1ea1n trong c\u00e1c t\u00ecnh hu\u1ed1ng h\u00e0ng ng\u00e0y.<\/p>\n<\/p><\/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\">M\u1eb9o<\/h4>\n<p class=\"kt-blocks-info-box-text\">Lu\u00f4n mang theo s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ho\u1eb7c gi\u1ea5y x\u00e1c nh\u1eadn b\u1ea3o hi\u1ec3m. Trong b\u1ea3o hi\u1ec3m c\u00f3 d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3, \u0111\u00e2y th\u01b0\u1eddng l\u00e0 b\u01b0\u1edbc \u0111\u1ea7u ti\u00ean \u0111\u1ec3 \u0111\u01b0\u1ee3c kh\u00e1m b\u1ec7nh m\u00e0 kh\u00f4ng c\u1ea7n thanh to\u00e1n ti\u1ec1n m\u1eb7t.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 class=\"kt-adv-heading\">NFZ v\u00e0 ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i: quy\u1ec1n v\u00e0 h\u1ea1n ch\u1ebf<\/h2>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>N\u1ebfu b\u1ea1n \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m y t\u1ebf c\u1ee7a NFZ (v\u00ed d\u1ee5: qua c\u00f4ng vi\u1ec7c, ho\u1ea1t \u0111\u1ed9ng, th\u00e0nh vi\u00ean gia \u0111\u00ecnh ho\u1eb7c h\u1ee3p \u0111\u1ed3ng t\u1ef1 nguy\u1ec7n), v\u1ec1 nguy\u00ean t\u1eafc, b\u1ea1n c\u00f3 quy\u1ec1n h\u01b0\u1edfng c\u00e1c d\u1ecbch v\u1ee5 ch\u0103m s\u00f3c s\u1ee9c kh\u1ecfe \u0111\u01b0\u1ee3c t\u00e0i tr\u1ee3 t\u1eeb ngu\u1ed3n c\u00f4ng theo c\u00e1c \u0111i\u1ec1u ki\u1ec7n t\u01b0\u01a1ng t\u1ef1 nh\u01b0 c\u00f4ng d\u00e2n Ba Lan. Trong th\u1ef1c t\u1ebf, \u0111i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0 b\u1ea1n c\u00f3 quy\u1ec1n ti\u1ebfp c\u1eadn b\u00e1c s\u0129 POZ, ch\u0103m s\u00f3c chuy\u00ean khoa ngo\u1ea1i tr\u00fa, \u0111i\u1ec1u tr\u1ecb t\u1ea1i b\u1ec7nh vi\u1ec7n v\u00e0 m\u1ed9t ph\u1ea7n ho\u00e0n tr\u1ea3 chi ph\u00ed thu\u1ed1c, mi\u1ec5n l\u00e0 b\u1ea1n \u0111\u00e1p \u1ee9ng c\u00e1c \u0111i\u1ec1u ki\u1ec7n c\u1ee7a h\u1ec7 th\u1ed1ng.<\/p>\n<p>Tuy nhi\u00ean, c\u1ea7n l\u01b0u \u00fd r\u1eb1ng kh\u00f4ng ph\u1ea3i m\u1ecdi ng\u01b0\u1eddi c\u01b0 tr\u00fa t\u1ea1i n\u01b0\u1edbc n\u00e0y \u0111\u1ec1u t\u1ef1 \u0111\u1ed9ng c\u00f3 NFZ. \u0110\u00e2y l\u00e0 m\u1ed9t \u0111i\u1ec3m th\u01b0\u1eddng g\u00e2y ra hi\u1ec3u l\u1ea7m khi ng\u01b0\u1eddi ta cho r\u1eb1ng vi\u1ec7c h\u1ee3p ph\u00e1p h\u00f3a c\u01b0 tr\u00fa s\u1ebd t\u1ef1 \u0111\u1ed9ng cho ph\u00e9p ti\u1ebfp c\u1eadn d\u1ecbch v\u1ee5 y t\u1ebf c\u00f4ng c\u1ed9ng. N\u1ebfu b\u1ea1n mu\u1ed1n t\u00ecm hi\u1ec3u th\u00eam v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y, h\u00e3y \u0111\u1ecdc h\u01b0\u1edbng d\u1eabn sau \u0111\u00e2y. <a href=\"https:\/\/insurancevisa.com\/vi\/huong-dan\/co-so-cua-bao-hiem-y-te-o-ba-lan\/\">c\u01a1 b\u1ea3n v\u1ec1 b\u1ea3o hi\u1ec3m y t\u1ebf<\/a>.<\/p>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h3 class=\"kt-adv-heading\">Quy\u1ec1n \u0111\u01b0\u1ee3c th\u00f4ng tin v\u00e0 t\u00e0i li\u1ec7u<\/h3>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>T\u1ea1i NFZ (c\u0169ng nh\u01b0 t\u1ea1i c\u00e1c c\u01a1 s\u1edf t\u01b0 nh\u00e2n), b\u1ea1n c\u00f3 quy\u1ec1n \u0111\u01b0\u1ee3c th\u00f4ng b\u00e1o v\u1ec1 t\u00ecnh tr\u1ea1ng s\u1ee9c kh\u1ecfe, k\u1ebf ho\u1ea1ch \u0111i\u1ec1u tr\u1ecb v\u00e0 c\u00e1c chi ph\u00ed c\u00f3 th\u1ec3 ph\u00e1t sinh ngo\u00e0i g\u00f3i d\u1ecbch v\u1ee5. B\u1ea1n c\u0169ng c\u00f3 quy\u1ec1n \u0111\u01b0\u1ee3c cung c\u1ea5p h\u1ed3 s\u01a1 y t\u1ebf v\u00e0 b\u1ea3n sao c\u1ee7a h\u1ed3 s\u01a1 n\u00e0y. \u0110i\u1ec1u n\u00e0y r\u1ea5t quan tr\u1ecdng v\u00ec h\u1ed3 s\u01a1 th\u01b0\u1eddng c\u1ea7n thi\u1ebft khi thay \u0111\u1ed5i b\u1ea3o hi\u1ec3m, ti\u1ebfp t\u1ee5c \u0111i\u1ec1u tr\u1ecb ho\u1eb7c khi y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng.<\/p>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h3 class=\"kt-adv-heading\">\u0110\u1ed1i x\u1eed c\u00f4ng b\u1eb1ng v\u1edbi b\u1ec7nh nh\u00e2n<\/h3>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>\u201eQuy\u1ec1n c\u1ee7a ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i \u1edf Ba Lan\u201d kh\u00f4ng ch\u1ec9 li\u00ean quan \u0111\u1ebfn v\u1ea5n \u0111\u1ec1 c\u01b0 tr\u00fa. Trong l\u0129nh v\u1ef1c y t\u1ebf, nguy\u00ean t\u1eafc \u0111\u1ed1i x\u1eed b\u00ecnh \u0111\u1eb3ng \u0111\u1ed1i v\u1edbi b\u1ec7nh nh\u00e2n trong vi\u1ec7c ti\u1ebfp c\u1eadn c\u00e1c d\u1ecbch v\u1ee5 y t\u1ebf \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng n\u1ebfu h\u1ecd c\u00f3 b\u1ea3o hi\u1ec3m y t\u1ebf c\u1ee7a NFZ. Ng\u00f4n ng\u1eef c\u00f3 th\u1ec3 l\u00e0 r\u00e0o c\u1ea3n, nh\u01b0ng qu\u1ed1c t\u1ecbch kh\u00f4ng n\u00ean l\u00e0 r\u00e0o c\u1ea3n. N\u00ean h\u1ecfi c\u01a1 s\u1edf y t\u1ebf v\u1ec1 kh\u1ea3 n\u0103ng giao ti\u1ebfp b\u1eb1ng ti\u1ebfng Anh ho\u1eb7c s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 phi\u00ean d\u1ecbch, \u0111\u1eb7c bi\u1ec7t l\u00e0 khi nh\u1eadp vi\u1ec7n.<\/p>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 class=\"kt-adv-heading\">B\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n: n\u00f3 \u0111\u1ea3m b\u1ea3o cho b\u1ea1n nh\u1eefng g\u00ec?<\/h2>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>N\u1ebfu b\u1ea1n s\u1eed d\u1ee5ng ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n (th\u01b0\u1eddng \u0111\u01b0\u1ee3c ch\u1ecdn khi xin th\u1ecb th\u1ef1c ho\u1eb7c th\u1ebb c\u01b0 tr\u00fa), c\u00e1c quy\u1ec1n c\u1ee7a b\u1ea1n ch\u1ee7 y\u1ebfu xu\u1ea5t ph\u00e1t t\u1eeb h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU). \u0110i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0 c\u00e1c y\u1ebfu t\u1ed1 quan tr\u1ecdng bao g\u1ed3m: ph\u1ea1m vi b\u1ea3o hi\u1ec3m, gi\u1edbi h\u1ea1n, c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb v\u00e0 c\u00e1ch th\u1ee9c t\u1ed5 ch\u1ee9c h\u1ed7 tr\u1ee3 (ho\u00e0n tr\u1ea3 ho\u1eb7c h\u1ed7 tr\u1ee3 kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t). Trong nhi\u1ec1u s\u1ea3n ph\u1ea9m d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i, c\u00f4ng ty b\u1ea3o hi\u1ec3m l\u00e0 t\u1ed5 ch\u1ee9c tr\u1ef1c ti\u1ebfp \u0111\u1ecbnh ngh\u0129a \u201eng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m\u201d l\u00e0 ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i m\u00e0 h\u1ee3p \u0111\u1ed3ng \u0111\u01b0\u1ee3c k\u00fd k\u1ebft cho.<\/p>\n<p>Trong th\u1ef1c t\u1ebf, b\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n c\u00f3 th\u1ec3 \u0111\u1ea3m b\u1ea3o chi tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb t\u1ea1i Ba Lan, s\u1eafp x\u1ebfp c\u00e1c cu\u1ed9c h\u1eb9n kh\u00e1m b\u1ec7nh, v\u00e0 \u0111\u00f4i khi c\u1ea3 c\u00e1c y\u1ebfu t\u1ed1 b\u1ed5 sung, nh\u01b0 b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 trong cu\u1ed9c s\u1ed1ng ri\u00eang t\u01b0. N\u1ebfu b\u1ea1n \u0111ang c\u00e2n nh\u1eafc l\u1ef1a ch\u1ecdn b\u1ea3o hi\u1ec3m, b\u00e0i vi\u1ebft n\u00e0y s\u1ebd h\u1eefu \u00edch cho b\u1ea1n. <a href=\"https:\/\/insurancevisa.com\/vi\/huong-dan\/bao-hiem-tu-nhan-cho-nguoi-nuoc-ngoai\/lam-the-nao-de-chon-bao-hiem-y-te-tu-nhan-o-ba-lan\/\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 ch\u1ecdn b\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n<\/a>.<\/p>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h3 class=\"kt-adv-heading\">Thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t hay ho\u00e0n ti\u1ec1n?<\/h3>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>C\u1ee7a b\u1ea1n <strong>quy\u1ec1n c\u1ee7a ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i b\u1ea3o hi\u1ec3m<\/strong> th\u1ef1c hi\u1ec7n kh\u00e1c nhau t\u00f9y theo m\u00f4 h\u00ecnh. Trong ch\u1ebf \u0111\u1ed9 kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t, c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u1ed5 ch\u1ee9c vi\u1ec7c cung c\u1ea5p d\u1ecbch v\u1ee5 v\u00e0 thanh to\u00e1n v\u1edbi c\u01a1 s\u1edf y t\u1ebf. Trong ch\u1ebf \u0111\u1ed9 ho\u00e0n tr\u1ea3, b\u1ea1n t\u1ef1 thanh to\u00e1n v\u00e0 sau \u0111\u00f3 n\u1ed9p \u0111\u01a1n xin ho\u00e0n tr\u1ea3. Trong \u0111i\u1ec1u kho\u1ea3n chung c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n, th\u01b0\u1eddng quy \u0111\u1ecbnh r\u1eb1ng c\u00e1c t\u00e0i li\u1ec7u ch\u1ee9ng minh chi ph\u00ed ph\u1ea3i bao g\u1ed3m th\u00f4ng tin c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, th\u00f4ng tin c\u1ee7a c\u01a1 s\u1edf y t\u1ebf v\u00e0 ch\u1eef k\u00fd v\u00e0 con d\u1ea5u c\u1ee7a ng\u01b0\u1eddi c\u00f3 th\u1ea9m quy\u1ec1n.<\/p>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h3 class=\"kt-adv-heading\">B\u1ea3o v\u1ec7 cho m\u1ee5c \u0111\u00edch xin th\u1ecb th\u1ef1c v\u00e0 c\u01b0 tr\u00fa<\/h3>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Nhi\u1ec1u ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m ch\u1ee7 y\u1ebfu v\u00ec n\u00f3 l\u00e0 y\u00eau c\u1ea7u b\u1eaft bu\u1ed9c \u0111\u1ec3 xin visa ho\u1eb7c th\u1ebb c\u01b0 tr\u00fa. \u0110\u00e2y l\u00e0 m\u1ee5c \u0111\u00edch quan tr\u1ecdng, nh\u01b0ng kh\u00f4ng ph\u1ea3i l\u00e0 duy nh\u1ea5t. H\u00e3y ki\u1ec3m tra xem b\u1ea3o hi\u1ec3m c\u00f3 hi\u1ec7u qu\u1ea3 trong th\u1ef1c t\u1ebf hay kh\u00f4ng: li\u1ec7u n\u00f3 c\u00f3 bao g\u1ed3m \u0111i\u1ec1u tr\u1ecb ngo\u1ea1i tr\u00fa v\u00e0 n\u1ed9i tr\u00fa, m\u1ee9c b\u1ea3o hi\u1ec3m l\u00e0 bao nhi\u00eau v\u00e0 c\u00f3 gi\u1edbi h\u1ea1n cho c\u00e1c d\u1ecbch v\u1ee5 c\u1ee5 th\u1ec3 hay kh\u00f4ng. N\u1ebfu b\u1ea1n mu\u1ed1n tr\u00e1nh nh\u1eefng sai l\u1ea7m ph\u1ed5 bi\u1ebfn, h\u00e3y xem t\u00e0i li\u1ec7u n\u00e0y. <a href=\"https:\/\/insurancevisa.com\/vi\/huong-dan\/bao-hiem-can-thiet-cho-visa-va-the-cu-tru\/lua-chon-bao-hiem-cho-visa-10-bay\/\">sai l\u1ea7m khi ch\u1ecdn ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m<\/a>.<\/p>\n<\/p><\/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\">M\u1eb9o<\/h4>\n<p class=\"kt-blocks-info-box-text\">Tr\u01b0\u1edbc khi mua b\u1ea3o hi\u1ec3m, h\u00e3y ki\u1ec3m tra xem b\u1ea3o hi\u1ec3m \u0111\u00f3 c\u00f3 h\u1ed7 tr\u1ee3 \u0111i\u1ec1u tr\u1ecb kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t v\u00e0 c\u00f3 trung t\u00e2m b\u00e1o \u0111\u1ed9ng ho\u1ea1t \u0111\u1ed9ng hay kh\u00f4ng. \u0110i\u1ec1u n\u00e0y th\u01b0\u1eddng quy\u1ebft \u0111\u1ecbnh li\u1ec7u b\u1ea1n c\u00f3 th\u1ef1c s\u1ef1 \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 hay kh\u00f4ng.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 class=\"kt-adv-heading\">Khi\u1ebfu n\u1ea1i, t\u1eeb ch\u1ed1i v\u00e0 tranh ch\u1ea5p: Quy\u1ec1n c\u1ee7a b\u1ea1n<\/h2>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>N\u1ebfu c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u1eeb ch\u1ed1i ho\u00e0n tr\u1ea3 chi ph\u00ed ho\u1eb7c c\u01a1 s\u1edf y t\u1ebf nghi ng\u1edd quy\u1ec1n l\u1ee3i c\u1ee7a b\u1ea1n, \u0111i\u1ec1u \u0111\u00f3 kh\u00f4ng c\u00f3 ngh\u0129a l\u00e0 v\u1ee5 vi\u1ec7c \u0111\u00e3 k\u1ebft th\u00fac. L\u00e0 kh\u00e1ch h\u00e0ng v\u00e0 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, b\u1ea1n c\u00f3 quy\u1ec1n n\u1ed9p \u0111\u01a1n khi\u1ebfu n\u1ea1i v\u00e0 nh\u1eadn \u0111\u01b0\u1ee3c ph\u1ea3n h\u1ed3i. Trong \u0111i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m c\u0169ng c\u00f3 quy \u0111\u1ecbnh r\u1eb1ng ph\u1ea3n h\u1ed3i c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c g\u1eedi qua \u0111\u01b0\u1eddng \u0111i\u1ec7n t\u1eed theo y\u00eau c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng.<\/p>\n<p>Trong c\u00e1c tranh ch\u1ea5p li\u00ean quan \u0111\u1ebfn h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, b\u1ea1n c\u00f3 th\u1ec3 y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng tr\u01b0\u1edbc t\u00f2a \u00e1n c\u00f3 th\u1ea9m quy\u1ec1n, v\u00ed d\u1ee5 nh\u01b0 t\u00f2a \u00e1n n\u01a1i c\u01b0 tr\u00fa c\u1ee7a ng\u01b0\u1eddi b\u1ea3o hi\u1ec3m ho\u1eb7c ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m. Trong th\u1ef1c t\u1ebf, b\u1ea1n n\u00ean b\u1eaft \u0111\u1ea7u b\u1eb1ng vi\u1ec7c s\u1eafp x\u1ebfp c\u00e1c t\u00e0i li\u1ec7u v\u00e0 th\u1eddi gian x\u1ea3y ra s\u1ef1 ki\u1ec7n, v\u00ec \u0111i\u1ec1u n\u00e0y s\u1ebd gi\u00fap \u0111\u1ea9y nhanh qu\u00e1 tr\u00ecnh \u0111\u00e1nh gi\u00e1 y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng v\u00e0 gi\u1ea3m thi\u1ec3u r\u1ee7i ro v\u1ec1 c\u00e1c thi\u1ebfu s\u00f3t v\u1ec1 m\u1eb7t h\u00ecnh th\u1ee9c.<\/p>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h3 class=\"kt-adv-heading\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 chu\u1ea9n b\u1ecb c\u00e1c t\u00e0i li\u1ec7u \u0111\u1ec3 \u0111\u01b0\u1ee3c ho\u00e0n tr\u1ea3 chi ph\u00ed?<\/h3>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Khi y\u00eau c\u1ea7u ho\u00e0n tr\u1ea3, h\u00e3y tu\u00e2n th\u1ee7 nguy\u00ean t\u1eafc: t\u00e0i li\u1ec7u ph\u1ea3i x\u00e1c nh\u1eadn c\u1ea3 d\u1ecbch v\u1ee5 y t\u1ebf v\u00e0 thanh to\u00e1n. Y\u00eau c\u1ea7u h\u00f3a \u0111\u01a1n ho\u1eb7c bi\u00ean lai c\u00f3 th\u00f4ng tin b\u1ec7nh nh\u00e2n v\u00e0 m\u00f4 t\u1ea3 y t\u1ebf v\u1ec1 l\u1ea7n kh\u00e1m. N\u1ebfu b\u1ea1n c\u00f3 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, h\u00e3y \u0111i\u1ec1n v\u00e0o \u0111\u01a1n y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng v\u00e0 \u0111\u00ednh k\u00e8m c\u00e1c t\u00e0i li\u1ec7u c\u1ea7n thi\u1ebft. Trong tr\u01b0\u1eddng h\u1ee3p \u0111i\u1ec1u tr\u1ecb n\u1ed9i tr\u00fa, b\u1ea3n sao \u0111\u1ea7y \u0111\u1ee7 h\u1ed3 s\u01a1 b\u1ec7nh \u00e1n c\u0169ng r\u1ea5t h\u1eefu \u00edch.<\/p>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 class=\"kt-adv-heading\">C\u00e1c quy\u1ec1n quan tr\u1ecdng nh\u1ea5t c\u1ee7a ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i \u2013 danh s\u00e1ch ki\u1ec3m tra<\/h2>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>D\u01b0\u1edbi \u0111\u00e2y l\u00e0 danh s\u00e1ch ng\u1eafn g\u1ecdn v\u1ec1 ch\u1ee7 \u0111\u1ec1 \u201eb\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i\u201d \u1edf Ba Lan. H\u00e3y coi \u0111\u00e2y l\u00e0 \u0111i\u1ec3m kh\u1edfi \u0111\u1ea7u cho cu\u1ed9c tr\u00f2 chuy\u1ec7n v\u1edbi ch\u1ee7 lao \u0111\u1ed9ng, c\u00f4ng ty b\u1ea3o hi\u1ec3m ho\u1eb7c c\u01a1 s\u1edf y t\u1ebf.<\/p>\n<\/p><\/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>Quy\u1ec1n h\u01b0\u1edfng tr\u1ee3 c\u1ea5p:<\/strong> N\u1ebfu b\u1ea1n c\u00f3 b\u1ea3o hi\u1ec3m, b\u1ea1n c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 \u0111i\u1ec1u tr\u1ecb.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Quy\u1ec1n \u0111\u01b0\u1ee3c th\u00f4ng tin:<\/strong> v\u1ec1 ch\u1ea9n \u0111o\u00e1n, \u0111i\u1ec1u tr\u1ecb v\u00e0 chi ph\u00ed c\u00f3 th\u1ec3 ph\u00e1t sinh.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Quy\u1ec1n \u0111\u1ed1i v\u1edbi t\u00e0i li\u1ec7u:<\/strong> truy c\u1eadp v\u00e0o l\u1ecbch s\u1eed \u0111i\u1ec1u tr\u1ecb v\u00e0 b\u1ea3n sao c\u00e1c t\u00e0i li\u1ec7u.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Quy\u1ec1n khi\u1ebfu n\u1ea1i:<\/strong> khi c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u1eeb ch\u1ed1i chi tr\u1ea3 ho\u1eb7c ho\u00e0n tr\u1ea3.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Quy\u1ec1n \u0111\u01b0\u1ee3c h\u01b0\u1edfng c\u00e1c quy t\u1eafc r\u00f5 r\u00e0ng:<\/strong> OWU\/polisy okre\u015blaj\u0105 zakres, limity i wy\u0142\u0105czenia.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Quy\u1ec1n thay \u0111\u1ed5i k\u1ebf ho\u1ea1ch:<\/strong> B\u1ea1n c\u00f3 th\u1ec3 thay \u0111\u1ed5i ch\u00ednh s\u00e1ch trong th\u1eddi gian l\u01b0u tr\u00fa.<\/span><\/li>\n<\/ul><\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>N\u1ebfu b\u1ea1n \u0111ang c\u00e2n nh\u1eafc thay \u0111\u1ed5i b\u1ea3o hi\u1ec3m, h\u00e3y xem b\u00e0i vi\u1ebft h\u1eefu \u00edch n\u00e0y. <a href=\"https:\/\/insurancevisa.com\/vi\/huong-dan\/cac-cau-hoi-va-van-de-thuong-gap-cua-nguoi-nuoc-ngoai\/toi-co-the-thay-doi-bao-hiem-trong-thoi-gian-luu-tru-sang-mot-goi-khac-khong\/\">T\u00f4i c\u00f3 th\u1ec3 thay \u0111\u1ed5i b\u1ea3o hi\u1ec3m trong th\u1eddi gian l\u01b0u tr\u00fa kh\u00f4ng?<\/a>.<\/p>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 class=\"kt-adv-heading\">T\u00f3m t\u1eaft: nh\u1eefng \u0111i\u1ec1u c\u1ea7n nh\u1edb<\/h2>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedtext has-theme-palette-8-background-color has-background\">\n<p>\u0110i\u1ec1u \u0111\u00f3 <strong>ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i \u1edf Ba Lan quy\u1ec1n<\/strong> C\u00f3 b\u1ea3o hi\u1ec3m hay kh\u00f4ng ch\u1ee7 y\u1ebfu ph\u1ee5 thu\u1ed9c v\u00e0o vi\u1ec7c h\u1ecd s\u1eed d\u1ee5ng NFZ hay b\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n. Trong NFZ, \u0111i\u1ec1u quan tr\u1ecdng l\u00e0 ph\u1ea3i c\u00f3 b\u1ea3o hi\u1ec3m h\u1ee3p ph\u00e1p, c\u00f2n trong b\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n, \u0111i\u1ec1u quan tr\u1ecdng l\u00e0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 OWU: ph\u1ea1m vi, gi\u1edbi h\u1ea1n v\u00e0 ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n (kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t ho\u1eb7c ho\u00e0n tr\u1ea3).<\/p>\n<p>N\u1ebfu b\u1ea1n mu\u1ed1n ch\u1ecdn m\u1ed9t ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p v\u1edbi th\u1ecb th\u1ef1c, th\u1ebb c\u01b0 tr\u00fa ho\u1eb7c l\u00e0m vi\u1ec7c t\u1ea1i Ba Lan, h\u00e3y so s\u00e1nh c\u00e1c \u0111i\u1ec1u ki\u1ec7n v\u00e0 \u0111\u1ea3m b\u1ea3o r\u1eb1ng b\u1ea1n th\u1ef1c s\u1ef1 c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 y t\u1ebf. N\u1ebfu c\u00f3 th\u1eafc m\u1eafc, h\u00e3y li\u00ean h\u1ec7 v\u1edbi c\u1ed1 v\u1ea5n c\u1ee7a Insurancevisa.com v\u00e0 ch\u1ecdn b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p v\u1edbi t\u00ecnh hu\u1ed1ng c\u1ee7a b\u1ea1n.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>","protected":false},"excerpt":{"rendered":"<p>Ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i c\u00f3 b\u1ea3o hi\u1ec3m c\u00f3 nh\u1eefng quy\u1ec1n g\u00ec? Khi b\u1ea1n l\u00e0 ng\u01b0\u1eddi m\u1edbi \u0111\u1ebfn Ba Lan, b\u1ea1n d\u1ec5 b\u1ecb nh\u1ea7m l\u1eabn gi\u1eefa c\u00e1c kh\u00e1i ni\u1ec7m: NFZ, ZUS, b\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n, th\u1ebb...<\/p>","protected":false},"author":2,"featured_media":3503,"comment_status":"closed","ping_status":"","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":[55,56,59,58,54],"class_list":["post-3504","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-najczestsze-pytania-i-problemy-cudzoziemcow","tag-cudzoziemcy-w-polsce","tag-polisa-medyczna","tag-prywatne-ubezpieczenie","tag-ubezpieczenie-dla-cudzoziemca","tag-ubezpieczenie-zdrowotne"],"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>Prawa cudzoziemc\u00f3w a ubezpieczenie w Polsce \u2013 poradnik - Insurance VISA<\/title>\n<meta name=\"description\" content=\"Sprawd\u017a, jakie prawa maj\u0105 cudzoziemcy jako ubezpieczeni w Polsce: NFZ, polisa prywatna, reklamacje i zwrot koszt\u00f3w. 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