{"id":3507,"date":"2025-12-22T22:15:23","date_gmt":"2025-12-22T21:15:23","guid":{"rendered":"https:\/\/insurancevisa.com\/nieskategoryzowane\/zwrot-kosztow-ubezpieczenia-po-pobycie-zasady-i-kroki\/"},"modified":"2026-09-30T05:22:35","modified_gmt":"2026-09-30T03:22:35","slug":"hoan-tra-chi-phi-bao-hiem-sau-khi-luu-tru-quy-tac-va-cac-buoc-thuc-hien","status":"publish","type":"post","link":"https:\/\/insurancevisa.com\/vi\/poradnik\/ubezpieczenie-wymagane-do-wizy-i-karty-pobytu\/zwrot-kosztow-ubezpieczenia-po-pobycie-zasady-i-kroki\/","title":{"rendered":"Ho\u00e0n tr\u1ea3 chi ph\u00ed b\u1ea3o hi\u1ec3m sau k\u1ef3 ngh\u1ec9: quy t\u1eafc v\u00e0 c\u00e1c b\u01b0\u1edbc th\u1ef1c hi\u1ec7n"},"content":{"rendered":"
\n
\n
\n

C\u00f3 th\u1ec3 ho\u00e0n l\u1ea1i ti\u1ec1n sau khi k\u1ebft th\u00fac k\u1ef3 ngh\u1ec9 kh\u00f4ng?<\/h2>\n<\/p><\/div>\n
\n

Nhi\u1ec1u ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m \u201echo th\u1ecb th\u1ef1c\u201d ho\u1eb7c \u201echo th\u1ebb c\u01b0 tr\u00fa\u201d v\u1edbi th\u1eddi h\u1ea1n d\u00e0i h\u01a1n th\u1eddi gian h\u1ecd th\u1ef1c s\u1ef1 \u1edf l\u1ea1i Ba Lan. Sau \u0111\u00f3, c\u00e2u h\u1ecfi t\u1ef1 nhi\u00ean \u0111\u01b0\u1ee3c \u0111\u1eb7t ra l\u00e0: li\u1ec7u sau khi r\u1eddi kh\u1ecfi Ba Lan, h\u1ecd c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c ho\u00e0n l\u1ea1i ti\u1ec1n b\u1ea3o hi\u1ec3m hay kh\u00f4ng. C\u00e2u tr\u1ea3 l\u1eddi l\u00e0: \u0111\u00f4i khi c\u00f3, nh\u01b0ng kh\u00f4ng ph\u1ea3i lu\u00f4n lu\u00f4n v\u00e0 th\u01b0\u1eddng kh\u00f4ng \u201et\u1ef1 \u0111\u1ed9ng\u201d sau khi k\u1ebft th\u00fac th\u1eddi gian c\u01b0 tr\u00fa.<\/p>\n

Ho\u00e0n tr\u1ea3 chi ph\u00ed b\u1ea3o hi\u1ec3m<\/strong> th\u01b0\u1eddng li\u00ean quan \u0111\u1ebfn th\u1eddi gian b\u1ea3o v\u1ec7 ch\u01b0a s\u1eed d\u1ee5ng<\/strong>, khi h\u1ee3p \u0111\u1ed3ng k\u1ebft th\u00fac s\u1edbm h\u01a1n d\u1ef1 ki\u1ebfn. \u0110i\u1ec1u quan tr\u1ecdng l\u00e0 nh\u1eefng g\u00ec \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 trong h\u1ee3p \u0111\u1ed3ng v\u00e0 \u0110i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chung (OWU). Tr\u00ean th\u1ef1c t\u1ebf, nh\u1eefng y\u1ebfu t\u1ed1 sau \u0111\u00e2y l\u00e0 quan tr\u1ecdng: th\u1ee7 t\u1ee5c ch\u1ea5m d\u1ee9t h\u1ee3p \u0111\u1ed3ng, th\u1eddi \u0111i\u1ec3m n\u1ed9p \u0111\u01a1n h\u1ee7y b\u1ecf v\u00e0 li\u1ec7u ph\u00ed b\u1ea3o hi\u1ec3m \u0111\u00e3 \u0111\u01b0\u1ee3c thanh to\u00e1n hay ch\u01b0a, c\u0169ng nh\u01b0 th\u1eddi gian thanh to\u00e1n.<\/p>\n<\/p><\/div>\n

\n

Khi n\u00e0o \u0111\u01b0\u1ee3c ho\u00e0n tr\u1ea3 ph\u00ed b\u1ea3o hi\u1ec3m t\u1eeb h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m?<\/h2>\n<\/p><\/div>\n
\n

Nguy\u00ean t\u1eafc quan tr\u1ecdng nh\u1ea5t trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) l\u00e0: Khi b\u1ea3o hi\u1ec3m h\u1ebft hi\u1ec7u l\u1ef1c tr\u01b0\u1edbc khi h\u1ebft th\u1eddi h\u1ea1n h\u1ee3p \u0111\u1ed3ng, c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd ho\u00e0n tr\u1ea3 ph\u00ed b\u1ea3o hi\u1ec3m cho th\u1eddi gian b\u1ea3o hi\u1ec3m ch\u01b0a s\u1eed d\u1ee5ng.<\/strong>. Kho\u1ea3n ho\u00e0n tr\u1ea3 n\u00e0y th\u01b0\u1eddng \u0111\u01b0\u1ee3c t\u00ednh theo t\u1ef7 l\u1ec7 t\u01b0\u01a1ng \u1ee9ng v\u1edbi s\u1ed1 ng\u00e0y c\u00f2n l\u1ea1i cho \u0111\u1ebfn h\u1ebft th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m. Trong m\u1ed9t s\u1ed1 m\u1eabu \u0111i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chung (OWU), c\u0169ng nh\u1ea5n m\u1ea1nh r\u1eb1ng M\u1ed7i ng\u00e0y b\u1ea3o v\u1ec7 b\u1eaft \u0111\u1ea7u c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c coi l\u00e0 \u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ea7y \u0111\u1ee7.<\/strong>, \u0111i\u1ec1u n\u00e0y l\u00e0m gi\u1ea3m s\u1ed1 ti\u1ec1n ho\u00e0n l\u1ea1i cu\u1ed1i c\u00f9ng.<\/p>\n

T\u1eeb quan \u0111i\u1ec3m c\u1ee7a kh\u1ea9u hi\u1ec7u k\u1ebft th\u00fac th\u1eddi gian l\u01b0u tr\u00fa b\u1ea3o hi\u1ec3m<\/strong> \u0110i\u1ec1u quan tr\u1ecdng l\u00e0 ph\u1ea3i ph\u00e2n bi\u1ec7t: vi\u1ec7c r\u1eddi kh\u1ecfi Ba Lan kh\u00f4ng t\u1ef1 \u0111\u1ed9ng ch\u1ea5m d\u1ee9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m. Th\u00f4ng th\u01b0\u1eddng, b\u1ea1n ph\u1ea3i ho\u00e0n t\u1ea5t th\u1ee7 t\u1ee5c ch\u1ea5m d\u1ee9t h\u1ee3p \u0111\u1ed3ng (v\u00ed d\u1ee5: th\u00f4ng b\u00e1o ch\u1ea5m d\u1ee9t, t\u1eeb ch\u1ed1i, h\u1ee7y b\u1ecf), v\u00e0 ch\u1ec9 sau \u0111\u00f3 m\u1edbi c\u00f3 th\u1ec3 t\u00ednh to\u00e1n s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m ch\u01b0a s\u1eed d\u1ee5ng.<\/p>\n

\n

C\u00e1c t\u00ecnh hu\u1ed1ng \u0111i\u1ec3n h\u00ecnh trong \u0111\u00f3 vi\u1ec7c ho\u00e0n tr\u1ea3 l\u00e0 kh\u1ea3 thi<\/h3>\n<\/p><\/div>\n
\n

B\u1ea1n th\u01b0\u1eddng g\u1eb7p tr\u01b0\u1eddng h\u1ee3p ho\u00e0n tr\u1ea3 ph\u00ed b\u1ea3o hi\u1ec3m trong c\u00e1c tr\u01b0\u1eddng h\u1ee3p sau: khi b\u1ea1n h\u1ee7y h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m trong th\u1eddi gian b\u1ea3o hi\u1ec3m c\u00f2n hi\u1ec7u l\u1ef1c, khi h\u1ee3p \u0111\u1ed3ng b\u1ecb ch\u1ea5m d\u1ee9t do kh\u00f4ng thanh to\u00e1n c\u00e1c kho\u1ea3n ph\u00ed (v\u00e0 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m quy \u0111\u1ecbnh vi\u1ec7c ho\u00e0n tr\u1ea3 cho th\u1eddi gian ch\u01b0a s\u1eed d\u1ee5ng sau khi ch\u1ea5m d\u1ee9t), ho\u1eb7c khi tr\u00e1ch nhi\u1ec7m b\u1ea3o hi\u1ec3m h\u1ebft hi\u1ec7u l\u1ef1c tr\u01b0\u1edbc th\u1eddi h\u1ea1n v\u00ec c\u00e1c l\u00fd do \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m.<\/p>\n

N\u1ebfu b\u1ea1n mu\u1ed1n chuy\u1ec3n \u0111\u1ed5i b\u1ea3o hi\u1ec3m sang m\u1ed9t lo\u1ea1i kh\u00e1c, h\u00e3y ki\u1ec3m tra c\u00e1ch th\u1ef1c hi\u1ec7n \u0111\u00fang. H\u01b0\u1edbng d\u1eabn sau \u0111\u00e2y s\u1ebd h\u1eefu \u00edch cho b\u1ea1n: thay \u0111\u1ed5i b\u1ea3o hi\u1ec3m trong th\u1eddi gian l\u01b0u tr\u00fa<\/a>, v\u00ec th\u1ee9 t\u1ef1 h\u00e0nh \u0111\u1ed9ng sai c\u00f3 th\u1ec3 l\u00e0m m\u1ea5t m\u1ed9t ph\u1ea7n ti\u1ec1n ho\u00e0n l\u1ea1i.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n

\n
\n
\n

\ud83d\udca1 M\u1eb9o<\/h4>\n

Tr\u01b0\u1edbc khi n\u1ed9p \u0111\u01a1n t\u1eeb ch\u1ee9c, h\u00e3y ki\u1ec3m tra trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU): th\u1eddi \u0111i\u1ec3m hi\u1ec7u l\u1ef1c c\u1ee7a vi\u1ec7c ch\u1ea5m d\u1ee9t h\u1ee3p \u0111\u1ed3ng v\u00e0 c\u00e1ch t\u00ednh th\u1eddi gian ho\u00e0n tr\u1ea3 (ng\u00e0y l\u1ecbch, ng\u00e0y \u0111\u00e3 b\u1eaft \u0111\u1ea7u, th\u1eddi gian \u00e2n h\u1ea1n).<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n

\n

Th\u1ee7 t\u1ee5c ho\u00e0n tr\u1ea3 chi ph\u00ed b\u1ea3o hi\u1ec3m nh\u01b0 th\u1ebf n\u00e0o?<\/h2>\n<\/p><\/div>\n
\n

Ho\u00e0n tr\u1ea3 chi ph\u00ed b\u1ea3o hi\u1ec3m<\/strong> (t\u1ee9c l\u00e0 ho\u00e0n tr\u1ea3 ph\u00ed b\u1ea3o hi\u1ec3m cho th\u1eddi gian ch\u01b0a s\u1eed d\u1ee5ng) th\u01b0\u1eddng y\u00eau c\u1ea7u c\u00e1c th\u1ee7 t\u1ee5c \u0111\u01a1n gi\u1ea3n. C\u00f4ng ty b\u1ea3o hi\u1ec3m ph\u1ea3i nh\u1eadn \u0111\u01b0\u1ee3c tuy\u00ean b\u1ed1 \u00fd ch\u00ed c\u1ee7a b\u1ea1n v\u00e0 th\u00f4ng tin \u0111\u1ec3 thanh to\u00e1n. Tr\u00ean th\u1ef1c t\u1ebf, m\u1ed9t s\u1ed1 c\u00f4ng ty ch\u1ea5p nh\u1eadn \u0111\u01a1n \u0111\u0103ng k\u00fd qua email, m\u1ed9t s\u1ed1 y\u00eau c\u1ea7u m\u1eabu \u0111\u01a1n ho\u1eb7c th\u01b0. \u0110i\u1ec1u quan tr\u1ecdng nh\u1ea5t l\u00e0 vi\u1ec7c h\u1ee7y b\u1ecf ph\u1ea3i \u0111\u01b0\u1ee3c g\u1eedi \u0111\u1ebfn c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c ch\u1ee9ng minh b\u1eb1ng t\u00e0i li\u1ec7u.<\/p>\n

\n

C\u00e1c t\u00e0i li\u1ec7u th\u01b0\u1eddng c\u1ea7n thi\u1ebft<\/h3>\n<\/p><\/div>\n
\n

Th\u00f4ng th\u01b0\u1eddng, b\u1ea1n c\u1ea7n chu\u1ea9n b\u1ecb: s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ho\u1eb7c ch\u1ee9ng ch\u1ec9, th\u00f4ng tin c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, ng\u00e0y k\u1ebft th\u00fac b\u1ea3o hi\u1ec3m, l\u00fd do (v\u00ed d\u1ee5: \u0111i du l\u1ecbch), v\u00e0 s\u1ed1 t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng. \u0110\u00f4i khi c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd y\u00eau c\u1ea7u x\u00e1c nh\u1eadn vi\u1ec7c \u0111i du l\u1ecbch ho\u1eb7c m\u1ea5t c\u01a1 s\u1edf l\u01b0u tr\u00fa, nh\u01b0ng \u0111i\u1ec1u n\u00e0y kh\u00f4ng ph\u1ea3i l\u00e0 quy t\u1eafc. N\u1ebfu b\u1ea1n c\u00f3 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m mua \u201et\u1ea1i c\u01a1 quan\u201d, h\u00e3y nh\u1edb r\u1eb1ng c\u01a1 quan quan t\u00e2m \u0111\u1ebfn t\u00ednh li\u00ean t\u1ee5c c\u1ee7a b\u1ea3o hi\u1ec3m, ch\u1ee9 kh\u00f4ng ph\u1ea3i vi\u1ec7c b\u1ea1n c\u00f3 \u0111\u01b0\u1ee3c ho\u00e0n tr\u1ea3 hay kh\u00f4ng.<\/p>\n

N\u1ebfu t\u00ecnh hu\u1ed1ng c\u1ee7a b\u1ea1n li\u00ean quan \u0111\u1ebfn c\u00e1c y\u00eau c\u1ea7u h\u00e0nh ch\u00ednh, b\u1ea1n n\u00ean so s\u00e1nh ch\u00fang v\u1edbi c\u00e1c quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh trong b\u00e0i vi\u1ebft v\u1ec1 Y\u00eau c\u1ea7u b\u1ea3o hi\u1ec3m cho th\u1ebb c\u01b0 tr\u00fa 2025<\/a>. \u0110i\u1ec1u n\u00e0y gi\u00fap b\u1ea1n d\u1ec5 d\u00e0ng quy\u1ebft \u0111\u1ecbnh n\u00ean r\u00fat ng\u1eafn h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m hay gi\u1eef nguy\u00ean \u0111\u1ebfn h\u1ebft h\u1ea1n.<\/p>\n<\/p><\/div>\n

\n

C\u1ea7n l\u01b0u \u00fd g\u00ec khi t\u00ednh to\u00e1n kho\u1ea3n ho\u00e0n tr\u1ea3?<\/h3>\n<\/p><\/div>\n
\n

Trong \u0110i\u1ec1u kho\u1ea3n chung (OWU), th\u01b0\u1eddng c\u00f3 c\u00e1c quy \u0111\u1ecbnh \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn s\u1ed1 ti\u1ec1n ho\u00e0n l\u1ea1i. Th\u1ee9 nh\u1ea5t, c\u00f4ng ty b\u1ea3o hi\u1ec3m th\u01b0\u1eddng gi\u1eef l\u1ea1i ph\u00ed b\u1ea3o hi\u1ec3m cho kho\u1ea3ng th\u1eddi gian m\u00e0 h\u1ecd th\u1ef1c s\u1ef1 cung c\u1ea5p b\u1ea3o hi\u1ec3m. Th\u1ee9 hai, s\u1ed1 ti\u1ec1n ho\u00e0n l\u1ea1i c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c t\u00ednh theo t\u1ef7 l\u1ec7, v\u00e0 m\u1ed7i ng\u00e0y \u0111\u00e3 b\u1eaft \u0111\u1ea7u \u0111\u01b0\u1ee3c t\u00ednh l\u00e0 \u0111\u00e3 s\u1eed d\u1ee5ng. Th\u1ee9 ba, n\u1ebfu b\u1ea1n \u0111\u00e3 thanh to\u00e1n ph\u00ed b\u1ea3o hi\u1ec3m theo t\u1eebng \u0111\u1ee3t, vi\u1ec7c ch\u1eadm thanh to\u00e1n c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn vi\u1ec7c ch\u1ea5m d\u1ee9t h\u1ee3p \u0111\u1ed3ng, nh\u01b0ng m\u1ed9t ph\u1ea7n c\u1ee7a OWU quy \u0111\u1ecbnh ho\u00e0n tr\u1ea3 cho th\u1eddi gian ch\u01b0a s\u1eed d\u1ee5ng sau khi ch\u1ea5m d\u1ee9t h\u1ee3p \u0111\u1ed3ng.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n

\n
\n
\n

\ud83d\udca1 M\u1eb9o<\/h4>\n

N\u1ebfu b\u1ea1n \u0111\u00e3 mua b\u1ea3o hi\u1ec3m cho th\u1ecb th\u1ef1c ho\u1eb7c th\u1ebb c\u01b0 tr\u00fa, h\u00e3y tr\u00e1nh nh\u1eefng \u201el\u1ed7 h\u1ed5ng\u201d trong b\u1ea3o hi\u1ec3m. Tr\u01b0\u1edbc ti\u00ean, h\u00e3y \u0111\u1ea3m b\u1ea3o t\u00ednh li\u00ean t\u1ee5c, sau \u0111\u00f3 m\u1edbi n\u1ed9p \u0111\u01a1n h\u1ee7y b\u1ecf.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n

\n

Ho\u00e0n tr\u1ea3 sau khi l\u01b0u tr\u00fa v\u00e0 c\u00e1c d\u1ecbch v\u1ee5 v\u00e0 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb<\/h2>\n<\/p><\/div>\n
\n

Trong c\u00e1c cu\u1ed9c th\u1ea3o lu\u1eadn v\u1ec1 vi\u1ec7c ho\u00e0n tr\u1ea3, hai ch\u1ee7 \u0111\u1ec1 kh\u00e1c nhau th\u01b0\u1eddng \u0111\u01b0\u1ee3c \u0111\u1ec1 c\u1eadp c\u00f9ng nhau. Ch\u1ee7 \u0111\u1ec1 \u0111\u1ea7u ti\u00ean l\u00e0 ho\u00e0n tr\u1ea3 ph\u00ed b\u1ea3o hi\u1ec3m<\/strong> sau khi h\u1ee3p \u0111\u1ed3ng k\u1ebft th\u00fac. Th\u1ee9 hai l\u00e0 ho\u00e0n tr\u1ea3 chi ph\u00ed<\/strong> trong ph\u1ea1m vi b\u1ea3o hi\u1ec3m, v\u00ed d\u1ee5 nh\u01b0 ho\u00e0n tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb, thu\u1ed1c men ho\u1eb7c ph\u1ee5c h\u1ed3i ch\u1ee9c n\u0103ng. \u0110i\u1ec1u n\u00e0y kh\u00f4ng gi\u1ed1ng nhau.<\/p>\n

V\u00ed d\u1ee5: OWU c\u00f3 th\u1ec3 quy \u0111\u1ecbnh ho\u00e0n tr\u1ea3 chi ph\u00ed thu\u1ed1c \u0111\u01b0\u1ee3c k\u00ea \u0111\u01a1n sau khi nh\u1eadp vi\u1ec7n, nh\u01b0ng ch\u1ec9 khi \u0111\u00e1p \u1ee9ng c\u00e1c \u0111i\u1ec1u ki\u1ec7n (v\u00ed d\u1ee5: c\u00f3 gi\u1ea5y ch\u1ee9ng nh\u1eadn nh\u1eadp vi\u1ec7n v\u00e0 th\u1eddi gian nh\u1eadp vi\u1ec7n t\u1ed1i thi\u1ec3u). C\u00e1c kho\u1ea3n ho\u00e0n tr\u1ea3 n\u00e0y \u0111\u01b0\u1ee3c thanh to\u00e1n trong ph\u1ea1m vi thi\u1ec7t h\u1ea1i, kh\u00f4ng ph\u1ea3i trong ph\u1ea1m vi h\u1ee7y h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m. N\u1ebfu b\u1ea1n quan t\u00e2m \u0111\u1ebfn ph\u1ea1m vi \u0111i\u1ec1u tr\u1ecb t\u1ea1i b\u1ec7nh vi\u1ec7n v\u00e0 thanh to\u00e1n, h\u00e3y xem t\u00e0i li\u1ec7u v\u1ec1 b\u1ea3o hi\u1ec3m \u0111i\u1ec1u tr\u1ecb n\u1ed9i tr\u00fa cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i<\/a>.<\/p>\n

\n

Khi n\u00e0o kh\u00f4ng \u0111\u01b0\u1ee3c ho\u00e0n l\u1ea1i ti\u1ec1n<\/h3>\n<\/p><\/div>\n
\n

Vi\u1ec7c t\u1eeb ch\u1ed1i ho\u00e0n tr\u1ea3 ph\u00ed b\u1ea3o hi\u1ec3m th\u01b0\u1eddng kh\u00f4ng ph\u1ea3i do \u201eth\u1eddi gian l\u01b0u tr\u00fa \u0111\u00e3 k\u1ebft th\u00fac\u201d, m\u00e0 l\u00e0 do h\u1ee3p \u0111\u1ed3ng v\u1eabn c\u00f2n hi\u1ec7u l\u1ef1c cho \u0111\u1ebfn khi h\u1ebft h\u1ea1n v\u00e0 ch\u01b0a \u0111\u01b0\u1ee3c ch\u1ea5m d\u1ee9t m\u1ed9t c\u00e1ch h\u1ee3p l\u1ec7. Ngo\u00e0i ra, t\u00f9y thu\u1ed9c v\u00e0o s\u1ea3n ph\u1ea9m, c\u00f3 th\u1ec3 c\u00f3 c\u00e1c h\u1ea1n ch\u1ebf, v\u00ed d\u1ee5 nh\u01b0 kh\u00f4ng c\u00f3 quy\u1ec1n h\u1ee7y h\u1ee3p \u0111\u1ed3ng \u0111\u1ed1i v\u1edbi c\u00e1c h\u1ee3p \u0111\u1ed3ng c\u00f3 th\u1eddi h\u1ea1n ng\u1eafn h\u01a1n th\u1eddi gian quy \u0111\u1ecbnh ho\u1eb7c c\u00e1c quy t\u1eafc thanh to\u00e1n \u0111\u1eb7c bi\u1ec7t \u0111\u1ed1i v\u1edbi ph\u00ed thanh to\u00e1n m\u1ed9t l\u1ea7n.<\/p>\n

N\u1ebfu b\u1ea1n kh\u00f4ng ch\u1eafc ch\u1eafn li\u1ec7u h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee7a m\u00ecnh c\u00f3 \u0111\u00e1p \u1ee9ng c\u00e1c y\u00eau c\u1ea7u c\u1ee7a c\u01a1 quan ch\u1ee9c n\u0103ng hay kh\u00f4ng v\u00e0 nh\u1eefng sai l\u1ea7m c\u1ea7n tr\u00e1nh, h\u01b0\u1edbng d\u1eabn sau \u0111\u00e2y s\u1ebd h\u1eefu \u00edch cho b\u1ea1n: sai l\u1ea7m trong vi\u1ec7c l\u1ef1a ch\u1ecdn b\u1ea3o hi\u1ec3m cho th\u1ecb th\u1ef1c<\/a>.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n

\n

T\u00f3m t\u1eaft v\u00e0 danh s\u00e1ch ki\u1ec3m tra nhanh<\/h2>\n<\/p><\/div>\n
\n

Ho\u00e0n tr\u1ea3 chi ph\u00ed b\u1ea3o hi\u1ec3m<\/strong> Sau khi r\u1eddi \u0111i, \u0111i\u1ec1u n\u00e0y ch\u1ee7 y\u1ebfu c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n \u0111\u01b0\u1ee3c n\u1ebfu b\u1ea1n ch\u1ea5m d\u1ee9t h\u1ee3p \u0111\u1ed3ng tr\u01b0\u1edbc th\u1eddi h\u1ea1n m\u1ed9t c\u00e1ch ch\u00ednh th\u1ee9c v\u00e0 th\u1eddi gian b\u1ea3o hi\u1ec3m c\u00f2n l\u1ea1i kh\u00f4ng \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng. B\u1ea3n th\u00e2n k\u1ebft th\u00fac th\u1eddi gian l\u01b0u tr\u00fa b\u1ea3o hi\u1ec3m<\/strong> kh\u00f4ng t\u1ef1 \u0111\u1ed9ng \u0111\u00f3ng. M\u1ee9c ho\u00e0n tr\u1ea3 ph\u1ee5 thu\u1ed9c v\u00e0o \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung, ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n v\u00e0 ng\u00e0y h\u1ebft h\u1ea1n tr\u00e1ch nhi\u1ec7m.<\/p>\n

B\u1ea1n mu\u1ed1n \u0111\u1ea9y nhanh qu\u00e1 tr\u00ecnh n\u00e0y? H\u00e3y chu\u1ea9n b\u1ecb s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, ng\u00e0y h\u1ebft h\u1ea1n b\u1ea3o hi\u1ec3m, th\u00f4ng tin chuy\u1ec3n kho\u1ea3n v\u00e0 n\u1ed9p \u0111\u01a1n h\u1ee7y h\u1ee3p \u0111\u1ed3ng theo c\u00e1ch c\u00f3 th\u1ec3 ch\u1ee9ng minh \u0111\u01b0\u1ee3c. N\u1ebfu b\u1ea1n c\u1ea7n tr\u1ee3 gi\u00fap trong vi\u1ec7c l\u1ef1a ch\u1ecdn h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p ho\u1eb7c thay \u0111\u1ed5i g\u00f3i b\u1ea3o hi\u1ec3m m\u00e0 kh\u00f4ng b\u1ecb gi\u00e1n \u0111o\u1ea1n b\u1ea3o hi\u1ec3m, h\u00e3y tham kh\u1ea3o c\u00e1c h\u01b0\u1edbng d\u1eabn c\u1ee7a ch\u00fang t\u00f4i t\u1ea1i insurancevisa.com.<\/p>\n<\/p><\/div>\n

\n
    \n
  • B\u01b0\u1edbc 1:<\/strong> Ki\u1ec3m tra quy \u0111\u1ecbnh ho\u00e0n tr\u1ea3 ph\u00ed b\u1ea3o hi\u1ec3m trong \u0110i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chung.<\/span><\/li>\n
  • B\u01b0\u1edbc 2:<\/strong> N\u1ed9p \u0111\u01a1n xin t\u1eeb ch\u1ee9c\/ch\u1ea5m d\u1ee9t h\u1ee3p \u0111\u1ed3ng c\u00f3 x\u00e1c nh\u1eadn.<\/span><\/li>\n
  • B\u01b0\u1edbc 3:<\/strong> H\u00e3y cung c\u1ea5p s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 s\u1ed1 t\u00e0i kho\u1ea3n.<\/span><\/li>\n
  • B\u01b0\u1edbc 4:<\/strong> \u0110\u1ea3m b\u1ea3o t\u00ednh li\u00ean t\u1ee5c c\u1ee7a vi\u1ec7c b\u1ea3o v\u1ec7 c\u00e1c v\u1ea5n \u0111\u1ec1 h\u00e0nh ch\u00ednh.<\/span><\/li>\n
  • B\u01b0\u1edbc 5:<\/strong> Ki\u1ec3m tra c\u00e1ch t\u00ednh th\u1eddi gian ch\u01b0a s\u1eed d\u1ee5ng.<\/span><\/li>\n<\/ul><\/div>\n<\/p><\/div>\n<\/p><\/div>","protected":false},"excerpt":{"rendered":"

    C\u00f3 th\u1ec3 ho\u00e0n tr\u1ea3 sau khi k\u1ebft th\u00fac k\u1ef3 l\u01b0u tr\u00fa kh\u00f4ng? Nhi\u1ec1u ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m \u201echo th\u1ecb th\u1ef1c\u201d ho\u1eb7c \u201echo th\u1ebb c\u01b0 tr\u00fa\u201d v\u1edbi th\u1eddi h\u1ea1n d\u00e0i h\u01a1n...<\/p>","protected":false},"author":2,"featured_media":3506,"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":[42],"tags":[62,55,52,63,58],"class_list":["post-3507","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ubezpieczenie-wymagane-do-wizy-i-karty-pobytu","tag-certyfikat-ubezpieczenia","tag-cudzoziemcy-w-polsce","tag-koszt-ubezpieczenia","tag-owu","tag-ubezpieczenie-dla-cudzoziemca"],"acf":[],"yoast_head":"\nZwrot koszt\u00f3w ubezpieczenia po pobycie: zasady i kroki - Insurance VISA<\/title>\n<meta name=\"description\" content=\"Sprawd\u017a, kiedy mo\u017cliwy jest zwrot koszt\u00f3w ubezpieczenia po zako\u0144czeniu pobytu, jak liczy\u0107 zwrot sk\u0142adki i jakie dokumenty przygotowa\u0107.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/insurancevisa.com\/vi\/huong-dan\/bao-hiem-can-thiet-cho-visa-va-the-cu-tru\/hoan-tra-chi-phi-bao-hiem-sau-khi-luu-tru-quy-tac-va-cac-buoc-thuc-hien\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Zwrot koszt\u00f3w ubezpieczenia po pobycie: zasady i kroki\" \/>\n<meta property=\"og:description\" content=\"Sprawd\u017a, kiedy mo\u017cliwy jest zwrot koszt\u00f3w ubezpieczenia po zako\u0144czeniu pobytu, jak liczy\u0107 zwrot sk\u0142adki i jakie dokumenty przygotowa\u0107.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/insurancevisa.com\/vi\/huong-dan\/bao-hiem-can-thiet-cho-visa-va-the-cu-tru\/hoan-tra-chi-phi-bao-hiem-sau-khi-luu-tru-quy-tac-va-cac-buoc-thuc-hien\/\" \/>\n<meta property=\"og:site_name\" content=\"Insurance VISA\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/POLISARIUM\" \/>\n<meta property=\"article:published_time\" content=\"2025-12-22T21:15:23+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-09-30T03:22:35+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/insurancevisa.com\/wp-content\/uploads\/2025\/12\/foto-14.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1536\" \/>\n\t<meta property=\"og:image:height\" content=\"1024\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"redaktor\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u0110\u01b0\u1ee3c vi\u1ebft b\u1edfi\" \/>\n\t<meta name=\"twitter:data1\" content=\"redaktor\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 ph\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/insurancevisa.com\\\/vi\\\/poradnik\\\/ubezpieczenie-wymagane-do-wizy-i-karty-pobytu\\\/zwrot-kosztow-ubezpieczenia-po-pobycie-zasady-i-kroki\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/insurancevisa.com\\\/vi\\\/poradnik\\\/ubezpieczenie-wymagane-do-wizy-i-karty-pobytu\\\/zwrot-kosztow-ubezpieczenia-po-pobycie-zasady-i-kroki\\\/\"},\"author\":{\"name\":\"redaktor\",\"@id\":\"https:\\\/\\\/insurancevisa.com\\\/vi\\\/#\\\/schema\\\/person\\\/c078f3c69511a8a0baa74f5da100c301\"},\"headline\":\"Zwrot koszt\u00f3w ubezpieczenia po pobycie: zasady i kroki\",\"datePublished\":\"2025-12-22T21:15:23+00:00\",\"dateModified\":\"2026-09-30T03:22:35+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/insurancevisa.com\\\/vi\\\/poradnik\\\/ubezpieczenie-wymagane-do-wizy-i-karty-pobytu\\\/zwrot-kosztow-ubezpieczenia-po-pobycie-zasady-i-kroki\\\/\"},\"wordCount\":1011,\"publisher\":{\"@id\":\"https:\\\/\\\/insurancevisa.com\\\/vi\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/insurancevisa.com\\\/vi\\\/poradnik\\\/ubezpieczenie-wymagane-do-wizy-i-karty-pobytu\\\/zwrot-kosztow-ubezpieczenia-po-pobycie-zasady-i-kroki\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/insurancevisa.com\\\/wp-content\\\/uploads\\\/2025\\\/12\\\/foto-14.webp\",\"keywords\":[\"certyfikat ubezpieczenia\",\"cudzoziemcy w Polsce\",\"koszt ubezpieczenia\",\"OWU\",\"ubezpieczenie dla cudzoziemca\"],\"articleSection\":[\"Ubezpieczenie wymagane do wizy i karty pobytu\"],\"inLanguage\":\"vi\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/insurancevisa.com\\\/vi\\\/poradnik\\\/ubezpieczenie-wymagane-do-wizy-i-karty-pobytu\\\/zwrot-kosztow-ubezpieczenia-po-pobycie-zasady-i-kroki\\\/\",\"url\":\"https:\\\/\\\/insurancevisa.com\\\/vi\\\/poradnik\\\/ubezpieczenie-wymagane-do-wizy-i-karty-pobytu\\\/zwrot-kosztow-ubezpieczenia-po-pobycie-zasady-i-kroki\\\/\",\"name\":\"Zwrot koszt\u00f3w ubezpieczenia po pobycie: zasady i kroki - Insurance VISA\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/insurancevisa.com\\\/vi\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/insurancevisa.com\\\/vi\\\/poradnik\\\/ubezpieczenie-wymagane-do-wizy-i-karty-pobytu\\\/zwrot-kosztow-ubezpieczenia-po-pobycie-zasady-i-kroki\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/insurancevisa.com\\\/vi\\\/poradnik\\\/ubezpieczenie-wymagane-do-wizy-i-karty-pobytu\\\/zwrot-kosztow-ubezpieczenia-po-pobycie-zasady-i-kroki\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/insurancevisa.com\\\/wp-content\\\/uploads\\\/2025\\\/12\\\/foto-14.webp\",\"datePublished\":\"2025-12-22T21:15:23+00:00\",\"dateModified\":\"2026-09-30T03:22:35+00:00\",\"description\":\"Sprawd\u017a, kiedy mo\u017cliwy jest zwrot koszt\u00f3w ubezpieczenia po zako\u0144czeniu pobytu, jak liczy\u0107 zwrot sk\u0142adki i jakie dokumenty przygotowa\u0107.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/insurancevisa.com\\\/vi\\\/poradnik\\\/ubezpieczenie-wymagane-do-wizy-i-karty-pobytu\\\/zwrot-kosztow-ubezpieczenia-po-pobycie-zasady-i-kroki\\\/#breadcrumb\"},\"inLanguage\":\"vi\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/insurancevisa.com\\\/vi\\\/poradnik\\\/ubezpieczenie-wymagane-do-wizy-i-karty-pobytu\\\/zwrot-kosztow-ubezpieczenia-po-pobycie-zasady-i-kroki\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"vi\",\"@id\":\"https:\\\/\\\/insurancevisa.com\\\/vi\\\/poradnik\\\/ubezpieczenie-wymagane-do-wizy-i-karty-pobytu\\\/zwrot-kosztow-ubezpieczenia-po-pobycie-zasady-i-kroki\\\/#primaryimage\",\"url\":\"https:\\\/\\\/insurancevisa.com\\\/wp-content\\\/uploads\\\/2025\\\/12\\\/foto-14.webp\",\"contentUrl\":\"https:\\\/\\\/insurancevisa.com\\\/wp-content\\\/uploads\\\/2025\\\/12\\\/foto-14.webp\",\"width\":1536,\"height\":1024,\"caption\":\"Zwrot koszt\u00f3w ubezpieczenia po pobycie: zasady i kroki\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/insurancevisa.com\\\/vi\\\/poradnik\\\/ubezpieczenie-wymagane-do-wizy-i-karty-pobytu\\\/zwrot-kosztow-ubezpieczenia-po-pobycie-zasady-i-kroki\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Strona g\u0142\u00f3wna\",\"item\":\"https:\\\/\\\/insurancevisa.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Zwrot koszt\u00f3w ubezpieczenia po pobycie: zasady i kroki\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/insurancevisa.com\\\/vi\\\/#website\",\"url\":\"https:\\\/\\\/insurancevisa.com\\\/vi\\\/\",\"name\":\"Ubezpieczenie Cudzoziemca\",\"description\":\"Ubezpieczenia dla Cudzoziemc\u00f3w do wizy i karty pobytu\",\"publisher\":{\"@id\":\"https:\\\/\\\/insurancevisa.com\\\/vi\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/insurancevisa.com\\\/vi\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"vi\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/insurancevisa.com\\\/vi\\\/#organization\",\"name\":\"naZycie.pl\",\"url\":\"https:\\\/\\\/insurancevisa.com\\\/vi\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"vi\",\"@id\":\"https:\\\/\\\/insurancevisa.com\\\/vi\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/insurancevisa.com\\\/wp-content\\\/uploads\\\/2025\\\/10\\\/cropped-logo.webp\",\"contentUrl\":\"https:\\\/\\\/insurancevisa.com\\\/wp-content\\\/uploads\\\/2025\\\/10\\\/cropped-logo.webp\",\"width\":244,\"height\":68,\"caption\":\"naZycie.pl\"},\"image\":{\"@id\":\"https:\\\/\\\/insurancevisa.com\\\/vi\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/POLISARIUM\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/insurancevisa.com\\\/vi\\\/#\\\/schema\\\/person\\\/c078f3c69511a8a0baa74f5da100c301\",\"name\":\"redaktor\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"vi\",\"@id\":\"https:\\\/\\\/insurancevisa.com\\\/wp-content\\\/litespeed\\\/avatar\\\/b228801e78b4ec2f78c1ff43658495b0.jpg?ver=1793978175\",\"url\":\"https:\\\/\\\/insurancevisa.com\\\/wp-content\\\/litespeed\\\/avatar\\\/b228801e78b4ec2f78c1ff43658495b0.jpg?ver=1793978175\",\"contentUrl\":\"https:\\\/\\\/insurancevisa.com\\\/wp-content\\\/litespeed\\\/avatar\\\/b228801e78b4ec2f78c1ff43658495b0.jpg?ver=1793978175\",\"caption\":\"redaktor\"}}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Ho\u00e0n tr\u1ea3 chi ph\u00ed b\u1ea3o hi\u1ec3m sau khi l\u01b0u tr\u00fa: quy t\u1eafc v\u00e0 c\u00e1c b\u01b0\u1edbc - Insurance VISA","description":"Ki\u1ec3m tra khi n\u00e0o c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c ho\u00e0n tr\u1ea3 chi ph\u00ed b\u1ea3o hi\u1ec3m sau khi k\u1ebft th\u00fac k\u1ef3 ngh\u1ec9, c\u00e1ch t\u00ednh to\u00e1n s\u1ed1 ti\u1ec1n ho\u00e0n tr\u1ea3 v\u00e0 c\u00e1c t\u00e0i li\u1ec7u c\u1ea7n chu\u1ea9n b\u1ecb.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/insurancevisa.com\/vi\/huong-dan\/bao-hiem-can-thiet-cho-visa-va-the-cu-tru\/hoan-tra-chi-phi-bao-hiem-sau-khi-luu-tru-quy-tac-va-cac-buoc-thuc-hien\/","og_locale":"vi_VN","og_type":"article","og_title":"Zwrot koszt\u00f3w ubezpieczenia po pobycie: zasady i kroki","og_description":"Sprawd\u017a, kiedy mo\u017cliwy jest zwrot koszt\u00f3w ubezpieczenia po zako\u0144czeniu pobytu, jak liczy\u0107 zwrot sk\u0142adki i jakie dokumenty przygotowa\u0107.","og_url":"https:\/\/insurancevisa.com\/vi\/huong-dan\/bao-hiem-can-thiet-cho-visa-va-the-cu-tru\/hoan-tra-chi-phi-bao-hiem-sau-khi-luu-tru-quy-tac-va-cac-buoc-thuc-hien\/","og_site_name":"Insurance VISA","article_publisher":"https:\/\/www.facebook.com\/POLISARIUM","article_published_time":"2025-12-22T21:15:23+00:00","article_modified_time":"2026-09-30T03:22:35+00:00","og_image":[{"width":1536,"height":1024,"url":"https:\/\/insurancevisa.com\/wp-content\/uploads\/2025\/12\/foto-14.webp","type":"image\/webp"}],"author":"redaktor","twitter_card":"summary_large_image","twitter_misc":{"\u0110\u01b0\u1ee3c vi\u1ebft b\u1edfi":"redaktor","\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc":"5 ph\u00fat"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/insurancevisa.com\/vi\/poradnik\/ubezpieczenie-wymagane-do-wizy-i-karty-pobytu\/zwrot-kosztow-ubezpieczenia-po-pobycie-zasady-i-kroki\/#article","isPartOf":{"@id":"https:\/\/insurancevisa.com\/vi\/poradnik\/ubezpieczenie-wymagane-do-wizy-i-karty-pobytu\/zwrot-kosztow-ubezpieczenia-po-pobycie-zasady-i-kroki\/"},"author":{"name":"redaktor","@id":"https:\/\/insurancevisa.com\/vi\/#\/schema\/person\/c078f3c69511a8a0baa74f5da100c301"},"headline":"Zwrot koszt\u00f3w ubezpieczenia po pobycie: zasady i kroki","datePublished":"2025-12-22T21:15:23+00:00","dateModified":"2026-09-30T03:22:35+00:00","mainEntityOfPage":{"@id":"https:\/\/insurancevisa.com\/vi\/poradnik\/ubezpieczenie-wymagane-do-wizy-i-karty-pobytu\/zwrot-kosztow-ubezpieczenia-po-pobycie-zasady-i-kroki\/"},"wordCount":1011,"publisher":{"@id":"https:\/\/insurancevisa.com\/vi\/#organization"},"image":{"@id":"https:\/\/insurancevisa.com\/vi\/poradnik\/ubezpieczenie-wymagane-do-wizy-i-karty-pobytu\/zwrot-kosztow-ubezpieczenia-po-pobycie-zasady-i-kroki\/#primaryimage"},"thumbnailUrl":"https:\/\/insurancevisa.com\/wp-content\/uploads\/2025\/12\/foto-14.webp","keywords":["certyfikat ubezpieczenia","cudzoziemcy w Polsce","koszt ubezpieczenia","OWU","ubezpieczenie dla cudzoziemca"],"articleSection":["Ubezpieczenie wymagane do wizy i karty pobytu"],"inLanguage":"vi"},{"@type":"WebPage","@id":"https:\/\/insurancevisa.com\/vi\/poradnik\/ubezpieczenie-wymagane-do-wizy-i-karty-pobytu\/zwrot-kosztow-ubezpieczenia-po-pobycie-zasady-i-kroki\/","url":"https:\/\/insurancevisa.com\/vi\/poradnik\/ubezpieczenie-wymagane-do-wizy-i-karty-pobytu\/zwrot-kosztow-ubezpieczenia-po-pobycie-zasady-i-kroki\/","name":"Ho\u00e0n tr\u1ea3 chi ph\u00ed b\u1ea3o hi\u1ec3m sau khi l\u01b0u tr\u00fa: quy t\u1eafc v\u00e0 c\u00e1c b\u01b0\u1edbc - Insurance VISA","isPartOf":{"@id":"https:\/\/insurancevisa.com\/vi\/#website"},"primaryImageOfPage":{"@id":"https:\/\/insurancevisa.com\/vi\/poradnik\/ubezpieczenie-wymagane-do-wizy-i-karty-pobytu\/zwrot-kosztow-ubezpieczenia-po-pobycie-zasady-i-kroki\/#primaryimage"},"image":{"@id":"https:\/\/insurancevisa.com\/vi\/poradnik\/ubezpieczenie-wymagane-do-wizy-i-karty-pobytu\/zwrot-kosztow-ubezpieczenia-po-pobycie-zasady-i-kroki\/#primaryimage"},"thumbnailUrl":"https:\/\/insurancevisa.com\/wp-content\/uploads\/2025\/12\/foto-14.webp","datePublished":"2025-12-22T21:15:23+00:00","dateModified":"2026-09-30T03:22:35+00:00","description":"Ki\u1ec3m tra khi n\u00e0o c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c ho\u00e0n tr\u1ea3 chi ph\u00ed b\u1ea3o hi\u1ec3m sau khi k\u1ebft th\u00fac k\u1ef3 ngh\u1ec9, c\u00e1ch t\u00ednh to\u00e1n s\u1ed1 ti\u1ec1n ho\u00e0n tr\u1ea3 v\u00e0 c\u00e1c t\u00e0i li\u1ec7u c\u1ea7n chu\u1ea9n b\u1ecb.","breadcrumb":{"@id":"https:\/\/insurancevisa.com\/vi\/poradnik\/ubezpieczenie-wymagane-do-wizy-i-karty-pobytu\/zwrot-kosztow-ubezpieczenia-po-pobycie-zasady-i-kroki\/#breadcrumb"},"inLanguage":"vi","potentialAction":[{"@type":"ReadAction","target":["https:\/\/insurancevisa.com\/vi\/poradnik\/ubezpieczenie-wymagane-do-wizy-i-karty-pobytu\/zwrot-kosztow-ubezpieczenia-po-pobycie-zasady-i-kroki\/"]}]},{"@type":"ImageObject","inLanguage":"vi","@id":"https:\/\/insurancevisa.com\/vi\/poradnik\/ubezpieczenie-wymagane-do-wizy-i-karty-pobytu\/zwrot-kosztow-ubezpieczenia-po-pobycie-zasady-i-kroki\/#primaryimage","url":"https:\/\/insurancevisa.com\/wp-content\/uploads\/2025\/12\/foto-14.webp","contentUrl":"https:\/\/insurancevisa.com\/wp-content\/uploads\/2025\/12\/foto-14.webp","width":1536,"height":1024,"caption":"Zwrot koszt\u00f3w ubezpieczenia po pobycie: zasady i kroki"},{"@type":"BreadcrumbList","@id":"https:\/\/insurancevisa.com\/vi\/poradnik\/ubezpieczenie-wymagane-do-wizy-i-karty-pobytu\/zwrot-kosztow-ubezpieczenia-po-pobycie-zasady-i-kroki\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Strona g\u0142\u00f3wna","item":"https:\/\/insurancevisa.com\/"},{"@type":"ListItem","position":2,"name":"Zwrot koszt\u00f3w ubezpieczenia po pobycie: zasady i kroki"}]},{"@type":"WebSite","@id":"https:\/\/insurancevisa.com\/vi\/#website","url":"https:\/\/insurancevisa.com\/vi\/","name":"B\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i","description":"B\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i \u0111\u1ec3 xin th\u1ecb th\u1ef1c v\u00e0 th\u1ebb c\u01b0 tr\u00fa","publisher":{"@id":"https:\/\/insurancevisa.com\/vi\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/insurancevisa.com\/vi\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"vi"},{"@type":"Organization","@id":"https:\/\/insurancevisa.com\/vi\/#organization","name":"naZycie.pl","url":"https:\/\/insurancevisa.com\/vi\/","logo":{"@type":"ImageObject","inLanguage":"vi","@id":"https:\/\/insurancevisa.com\/vi\/#\/schema\/logo\/image\/","url":"https:\/\/insurancevisa.com\/wp-content\/uploads\/2025\/10\/cropped-logo.webp","contentUrl":"https:\/\/insurancevisa.com\/wp-content\/uploads\/2025\/10\/cropped-logo.webp","width":244,"height":68,"caption":"naZycie.pl"},"image":{"@id":"https:\/\/insurancevisa.com\/vi\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/POLISARIUM"]},{"@type":"Person","@id":"https:\/\/insurancevisa.com\/vi\/#\/schema\/person\/c078f3c69511a8a0baa74f5da100c301","name":"bi\u00ean t\u1eadp vi\u00ean","image":{"@type":"ImageObject","inLanguage":"vi","@id":"https:\/\/insurancevisa.com\/wp-content\/litespeed\/avatar\/b228801e78b4ec2f78c1ff43658495b0.jpg?ver=1793978175","url":"https:\/\/insurancevisa.com\/wp-content\/litespeed\/avatar\/b228801e78b4ec2f78c1ff43658495b0.jpg?ver=1793978175","contentUrl":"https:\/\/insurancevisa.com\/wp-content\/litespeed\/avatar\/b228801e78b4ec2f78c1ff43658495b0.jpg?ver=1793978175","caption":"redaktor"}}]}},"taxonomy_info":{"category":[{"value":42,"label":"Ubezpieczenie wymagane do wizy i karty pobytu"}],"post_tag":[{"value":62,"label":"certyfikat ubezpieczenia"},{"value":55,"label":"cudzoziemcy w Polsce"},{"value":52,"label":"koszt ubezpieczenia"},{"value":63,"label":"OWU"},{"value":58,"label":"ubezpieczenie dla cudzoziemca"}]},"featured_image_src_large":["https:\/\/insurancevisa.com\/wp-content\/uploads\/2025\/12\/foto-14-1024x683.webp",1024,683,true],"author_info":{"display_name":"redaktor","author_link":"https:\/\/insurancevisa.com\/vi\/author\/redaktor\/"},"comment_info":0,"category_info":[{"term_id":42,"name":"Ubezpieczenie wymagane do wizy i karty pobytu","slug":"ubezpieczenie-wymagane-do-wizy-i-karty-pobytu","term_group":0,"term_taxonomy_id":42,"taxonomy":"category","description":"","parent":0,"count":24,"filter":"raw","cat_ID":42,"category_count":24,"category_description":"","cat_name":"Ubezpieczenie wymagane do wizy i karty pobytu","category_nicename":"ubezpieczenie-wymagane-do-wizy-i-karty-pobytu","category_parent":0}],"tag_info":[{"term_id":62,"name":"certyfikat ubezpieczenia","slug":"certyfikat-ubezpieczenia","term_group":0,"term_taxonomy_id":62,"taxonomy":"post_tag","description":"Poradniki i praktyczne informacje dotycz\u0105ce: certyfikat ubezpieczenia, w tym \u201ePrywatne ubezpieczenie cudzoziemca \u2013 jak wybra\u0107?\u201d.","parent":0,"count":13,"filter":"raw"},{"term_id":55,"name":"cudzoziemcy w Polsce","slug":"cudzoziemcy-w-polsce","term_group":0,"term_taxonomy_id":55,"taxonomy":"post_tag","description":"","parent":0,"count":63,"filter":"raw"},{"term_id":52,"name":"koszt ubezpieczenia","slug":"koszt-ubezpieczenia","term_group":0,"term_taxonomy_id":52,"taxonomy":"post_tag","description":"","parent":0,"count":21,"filter":"raw"},{"term_id":63,"name":"OWU","slug":"owu","term_group":0,"term_taxonomy_id":63,"taxonomy":"post_tag","description":"Poradniki i praktyczne informacje dotycz\u0105ce: OWU, w tym \u201ePrywatne ubezpieczenie cudzoziemca \u2013 jak wybra\u0107?\u201d.","parent":0,"count":33,"filter":"raw"},{"term_id":58,"name":"ubezpieczenie dla cudzoziemca","slug":"ubezpieczenie-dla-cudzoziemca","term_group":0,"term_taxonomy_id":58,"taxonomy":"post_tag","description":"","parent":0,"count":64,"filter":"raw"}],"_links":{"self":[{"href":"https:\/\/insurancevisa.com\/vi\/wp-json\/wp\/v2\/posts\/3507","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/insurancevisa.com\/vi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/insurancevisa.com\/vi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/insurancevisa.com\/vi\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/insurancevisa.com\/vi\/wp-json\/wp\/v2\/comments?post=3507"}],"version-history":[{"count":3,"href":"https:\/\/insurancevisa.com\/vi\/wp-json\/wp\/v2\/posts\/3507\/revisions"}],"predecessor-version":[{"id":3839,"href":"https:\/\/insurancevisa.com\/vi\/wp-json\/wp\/v2\/posts\/3507\/revisions\/3839"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/insurancevisa.com\/vi\/wp-json\/wp\/v2\/media\/3506"}],"wp:attachment":[{"href":"https:\/\/insurancevisa.com\/vi\/wp-json\/wp\/v2\/media?parent=3507"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/insurancevisa.com\/vi\/wp-json\/wp\/v2\/categories?post=3507"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/insurancevisa.com\/vi\/wp-json\/wp\/v2\/tags?post=3507"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}