{"id":3612,"date":"2026-02-26T13:14:00","date_gmt":"2026-02-26T12:14:00","guid":{"rendered":"https:\/\/insurancevisa.com\/nieskategoryzowane\/ubezpieczenie-zdrowotne-polska-przewodnik-dla-obcokrajowcow\/"},"modified":"2026-09-30T05:23:39","modified_gmt":"2026-09-30T03:23:39","slug":"bao-hiem-y-te-ba-lan-huong-dan-cho-nguoi-nuoc-ngoai","status":"publish","type":"post","link":"https:\/\/insurancevisa.com\/vi\/poradnik\/podstawy-ubezpieczenia-zdrowotnego-w-polsce\/ubezpieczenie-zdrowotne-polska-przewodnik-dla-obcokrajowcow\/","title":{"rendered":"B\u1ea3o hi\u1ec3m y t\u1ebf Ba Lan: h\u01b0\u1edbng d\u1eabn cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i"},"content":{"rendered":"
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B\u1ea3o hi\u1ec3m y t\u1ebf \u1edf Ba Lan: \u0111\u00f3 l\u00e0 g\u00ec?<\/h2>\n<\/p><\/div>\n
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Khi b\u1ea1n \u0111\u1ebfn Ba Lan \u0111\u1ec3 l\u00e0m vi\u1ec7c, h\u1ecdc t\u1eadp ho\u1eb7c c\u00f9ng gia \u0111\u00ecnh, c\u00e2u h\u1ecfi nhanh ch\u00f3ng xu\u1ea5t hi\u1ec7n: B\u1ea3o hi\u1ec3m ho\u1ea1t \u0111\u1ed9ng nh\u01b0 th\u1ebf n\u00e0o \u1edf Ba Lan?<\/strong> v\u00e0 nh\u1eefng g\u00ec b\u1ea1n c\u1ea7n c\u00f3 \u0111\u1ec3 \u0111\u01b0\u1ee3c h\u01b0\u1edfng d\u1ecbch v\u1ee5 y t\u1ebf h\u1ee3p ph\u00e1p. \u0110\u1ed1i v\u1edbi nhi\u1ec1u ng\u01b0\u1eddi, vi\u1ec7c \u0111\u00e1p \u1ee9ng c\u00e1c y\u00eau c\u1ea7u v\u1ec1 th\u1ecb th\u1ef1c ho\u1eb7c th\u1ebb c\u01b0 tr\u00fa c\u0169ng r\u1ea5t quan tr\u1ecdng. \u0110i\u1ec1u n\u00e0y r\u1ea5t quan tr\u1ecdng v\u00ec chi ph\u00ed kh\u00e1m b\u1ec7nh t\u01b0 nh\u00e2n, x\u00e9t nghi\u1ec7m ho\u1eb7c nh\u1eadp vi\u1ec7n c\u00f3 th\u1ec3 r\u1ea5t cao, v\u00e0 trong tr\u01b0\u1eddng h\u1ee3p kh\u1ea9n c\u1ea5p, th\u1eddi gian l\u00e0 y\u1ebfu t\u1ed1 quan tr\u1ecdng.<\/p>\n

Trong th\u1ef1c t\u1ebf, b\u1ea1n c\u00f3 hai h\u01b0\u1edbng ch\u00ednh: b\u1ea3o hi\u1ec3m c\u00f4ng c\u1ed9ng (NFZ)<\/strong> ho\u1eb7c b\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n<\/strong> cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i. Ch\u00fang kh\u00e1c nhau v\u1ec1 quy \u0111\u1ecbnh, quy\u1ec1n truy c\u1eadp v\u00e0o c\u00e1c d\u1ecbch v\u1ee5 v\u00e0 c\u00e1ch t\u00ednh to\u00e1n chi ph\u00ed. Trong b\u00e0i vi\u1ebft n\u00e0y, ch\u00fang t\u00f4i gi\u1ea3i th\u00edch v\u1ec1 b\u1ea3o hi\u1ec3m y t\u1ebf Ba Lan<\/strong> Trong th\u1ef1c t\u1ebf h\u00e0ng ng\u00e0y, b\u1ea1n c\u1ea7n l\u01b0u \u00fd nh\u1eefng g\u00ec v\u00e0 l\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 ch\u1ecdn gi\u1ea3i ph\u00e1p ph\u00f9 h\u1ee3p v\u1edbi t\u00ecnh tr\u1ea1ng c\u01b0 tr\u00fa c\u1ee7a b\u1ea1n.<\/p>\n<\/p><\/div>\n

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NFZ cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i: khi n\u00e0o c\u00f3 hi\u1ec7u l\u1ef1c?<\/h2>\n<\/p><\/div>\n
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NFZ (Qu\u1ef9 Y t\u1ebf Qu\u1ed1c gia) l\u00e0 h\u1ec7 th\u1ed1ng ch\u0103m s\u00f3c s\u1ee9c kh\u1ecfe c\u00f4ng c\u1ed9ng. B\u1ea1n th\u01b0\u1eddng s\u1ebd tham gia h\u1ec7 th\u1ed1ng n\u00e0y khi b\u1ea1n \u0111\u01b0\u1ee3c \u0111\u0103ng k\u00fd b\u1ea3o hi\u1ec3m y t\u1ebf do c\u00f4ng vi\u1ec7c, ho\u1ea1t \u0111\u1ed9ng kinh doanh ho\u1eb7c l\u00e0 th\u00e0nh vi\u00ean gia \u0111\u00ecnh c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m. Trong nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p, th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh do ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng th\u1ef1c hi\u1ec7n, v\u00e0 b\u1ea1n \u0111\u01b0\u1ee3c h\u01b0\u1edfng quy\u1ec1n l\u1ee3i t\u1eeb c\u00e1c kho\u1ea3n \u0111\u00f3ng g\u00f3p b\u1ea3o hi\u1ec3m y t\u1ebf.<\/p>\n

N\u1ebfu b\u1ea1n kh\u00f4ng c\u00f3 quy\u1ec1n \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m (v\u00ed d\u1ee5: b\u1ea1n kh\u00f4ng \u0111i l\u00e0m), \u0111\u00f4i khi c\u00f3 th\u1ec3 b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n t\u1ea1i NFZ<\/strong>. C\u00e1c quy t\u1eafc v\u00e0 chi ph\u00ed ph\u1ee5 thu\u1ed9c v\u00e0o t\u00ecnh hu\u1ed1ng c\u1ee7a b\u1ea1n, v\u00ec v\u1eady b\u1ea1n n\u00ean ki\u1ec3m tra xem li\u1ec7u n\u00f3 c\u00f3 \u0111\u00e1ng gi\u00e1 so v\u1edbi b\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n hay kh\u00f4ng. Trong NFZ, t\u00ednh s\u1eb5n c\u00f3 c\u1ee7a c\u00e1c d\u1ecbch v\u1ee5 c\u0169ng r\u1ea5t quan tr\u1ecdng: m\u1ed9t s\u1ed1 cu\u1ed9c h\u1eb9n v\u00e0 x\u00e9t nghi\u1ec7m c\u00f3 th\u1ec3 ph\u1ea3i x\u1ebfp h\u00e0ng ch\u1edd \u0111\u1ee3i, v\u00e0 h\u1ec7 th\u1ed1ng n\u00e0y ho\u1ea1t \u0111\u1ed9ng trong m\u1ea1ng l\u01b0\u1edbi c\u00e1c c\u01a1 s\u1edf c\u00f3 h\u1ee3p \u0111\u1ed3ng v\u1edbi NFZ.<\/p>\n<\/p><\/div>\n

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

N\u1ebfu m\u1ee5c ti\u00eau c\u1ee7a b\u1ea1n l\u00e0 h\u1ee3p ph\u00e1p h\u00f3a vi\u1ec7c c\u01b0 tr\u00fa, tr\u01b0\u1edbc ti\u00ean h\u00e3y ki\u1ec3m tra xem c\u01a1 quan ch\u1ee9c n\u0103ng c\u00f3 y\u00eau c\u1ea7u lo\u1ea1i gi\u1ea5y t\u1edd c\u1ee5 th\u1ec3 n\u00e0o kh\u00f4ng (NFZ ho\u1eb7c b\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n). Xem th\u00eam h\u01b0\u1edbng d\u1eabn: Y\u00eau c\u1ea7u b\u1ea3o hi\u1ec3m cho th\u1ebb c\u01b0 tr\u00fa<\/a>.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n

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B\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n: bao g\u1ed3m nh\u1eefng g\u00ec \u1edf Ba Lan?<\/h2>\n<\/p><\/div>\n
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\u0110\u1ed1i v\u1edbi nhi\u1ec1u ng\u01b0\u1eddi, \u0111\u1eb7c bi\u1ec7t l\u00e0 khi \u01b0u ti\u00ean h\u00e0ng \u0111\u1ea7u l\u00e0 ti\u1ebfp c\u1eadn nhanh ch\u00f3ng v\u1edbi b\u00e1c s\u0129, vi\u1ec7c n\u00e0y l\u00e0 h\u1ee3p l\u00fd. ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i b\u1ea3o hi\u1ec3m<\/strong> d\u01b0\u1edbi h\u00ecnh th\u1ee9c t\u01b0 nh\u00e2n. C\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111i\u1ec3n h\u00ecnh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i bao g\u1ed3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb trong tr\u01b0\u1eddng h\u1ee3p b\u1ec7nh t\u1eadt \u0111\u1ed9t ng\u1ed9t ho\u1eb7c tai n\u1ea1n b\u1ea5t ng\u1edd tr\u00ean l\u00e3nh th\u1ed5 Ba Lan, th\u01b0\u1eddng k\u00e8m theo d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3. Trong c\u00e1c t\u00e0i li\u1ec7u b\u1ea3o hi\u1ec3m, b\u1ea1n c\u0169ng s\u1ebd th\u1ea5y c\u00e1c \u0111\u1ecbnh ngh\u0129a nh\u01b0 \u201ed\u1ecbch v\u1ee5 y t\u1ebf\u201d ho\u1eb7c gi\u1edbi h\u1ea1n l\u00e3nh th\u1ed5, v\u00ed d\u1ee5: b\u1ea3o hi\u1ec3m ch\u1ec9 c\u00f3 hi\u1ec7u l\u1ef1c t\u1ea1i Ba Lan.<\/p>\n

T\u00f9y thu\u1ed9c v\u00e0o lo\u1ea1i h\u1ee3p \u0111\u1ed3ng, b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 chi tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb n\u1ed9i tr\u00fa v\u00e0 ngo\u1ea1i tr\u00fa, thu\u1ed1c men, v\u1eadn chuy\u1ec3n y t\u1ebf, v\u00e0 \u0111\u00f4i khi c\u1ea3 c\u00e1c kho\u1ea3n ph\u1ee5 th\u00eam nh\u01b0 b\u1ea3o hi\u1ec3m tai n\u1ea1n ho\u1eb7c b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 trong cu\u1ed9c s\u1ed1ng ri\u00eang t\u01b0. M\u1ed9t l\u1ee3i th\u1ebf th\u01b0\u1eddng th\u1ea5y l\u00e0 vi\u1ec7c t\u1ed5 ch\u1ee9c c\u00e1c cu\u1ed9c h\u1eb9n qua trung t\u00e2m kh\u1ea9n c\u1ea5p\/\u0111\u01b0\u1eddng d\u00e2y n\u00f3ng v\u00e0 thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t v\u1edbi c\u01a1 s\u1edf y t\u1ebf, mi\u1ec5n l\u00e0 b\u1ea1n li\u00ean h\u1ec7 v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m theo th\u1ee7 t\u1ee5c quy \u0111\u1ecbnh.<\/p>\n<\/p><\/div>\n

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C\u1ea7n l\u01b0u \u00fd \u0111i\u1ec1u g\u00ec trong OWU (\u0111i\u1ec1u ki\u1ec7n b\u1ea3o hi\u1ec3m)?<\/h3>\n<\/p><\/div>\n
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Ngay c\u1ea3 \u01b0u \u0111\u00e3i t\u1ed1t nh\u1ea5t \u201etr\u00ean b\u1ec1 m\u1eb7t\u201d c\u0169ng c\u00f3 th\u1ec3 c\u00f3 nh\u1eefng h\u1ea1n ch\u1ebf. \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0111i\u1ec1u ki\u1ec7n b\u1ea3o hi\u1ec3m (OWU) m\u00f4 t\u1ea3, trong s\u1ed1 nh\u1eefng \u0111i\u1ec1u kh\u00e1c, c\u00e1c tr\u01b0\u1eddng h\u1ee3p mi\u1ec5n tr\u1eeb tr\u00e1ch nhi\u1ec7m, gi\u1edbi h\u1ea1n s\u1ed1 ti\u1ec1n, ngh\u0129a v\u1ee5 c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c t\u00e0i li\u1ec7u c\u1ea7n thi\u1ebft khi b\u00e1o c\u00e1o thi\u1ec7t h\u1ea1i. Trong th\u1ef1c t\u1ebf, \u0111i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0 tr\u01b0\u1edbc khi mua, b\u1ea1n n\u00ean ki\u1ec3m tra xem ch\u00ednh s\u00e1ch c\u00f3 bao g\u1ed3m c\u00e1c b\u1ec7nh m\u00e3n t\u00ednh hay kh\u00f4ng, telemedicine ho\u1ea1t \u0111\u1ed9ng nh\u01b0 th\u1ebf n\u00e0o, c\u00f3 gi\u1edbi h\u1ea1n v\u1ec1 s\u1ed1 l\u1ea7n kh\u00e1m b\u1ec7nh hay kh\u00f4ng v\u00e0 c\u00e1c quy t\u1eafc ho\u00e0n tr\u1ea3 l\u00e0 g\u00ec.<\/p>\n

N\u1ebfu b\u1ea1n c\u00f3 k\u1ebf ho\u1ea1ch \u1edf l\u1ea1i l\u00e2u h\u01a1n, h\u00e3y so s\u00e1nh c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m gia \u0111\u00ecnh v\u00e0 c\u00e1 nh\u00e2n. M\u1ed9t s\u1ed1 s\u1ea3n ph\u1ea9m cung c\u1ea5p c\u00e1c gi\u1ea3i ph\u00e1p b\u1ea3o hi\u1ec3m cho c\u1ea3 b\u1ea1n \u0111\u1eddi v\u00e0 con c\u00e1i. N\u1ebfu b\u1ea1n mu\u1ed1n so s\u00e1nh c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m, t\u00e0i li\u1ec7u sau \u0111\u00e2y s\u1ebd h\u1eefu \u00edch: X\u1ebfp h\u1ea1ng b\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n t\u1ea1i Ba Lan<\/a>.<\/p>\n<\/p><\/div>\n

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L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 ch\u1ecdn b\u1ea3o hi\u1ec3m cho th\u1ecb th\u1ef1c ho\u1eb7c th\u1ebb c\u01b0 tr\u00fa?<\/h2>\n<\/p><\/div>\n
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N\u1ebfu m\u1ee5c ti\u00eau c\u1ee7a b\u1ea1n l\u00e0 xin visa, gia h\u1ea1n th\u1eddi gian l\u01b0u tr\u00fa ho\u1eb7c th\u1ebb c\u01b0 tr\u00fa, b\u1ea3o hi\u1ec3m l\u00e0 m\u1ed9t trong nh\u1eefng t\u00e0i li\u1ec7u th\u01b0\u1eddng \u0111\u01b0\u1ee3c ki\u1ec3m tra nh\u1ea5t. C\u00e1c c\u01a1 quan ch\u1ee9c n\u0103ng th\u01b0\u1eddng y\u00eau c\u1ea7u b\u1ea3o hi\u1ec3m ph\u1ea3i c\u00f3 hi\u1ec7u l\u1ef1c li\u00ean t\u1ee5c trong su\u1ed1t th\u1eddi gian l\u01b0u tr\u00fa v\u00e0 c\u00f3 x\u00e1c nh\u1eadn r\u00f5 r\u00e0ng v\u1ec1 ph\u1ea1m vi b\u1ea3o hi\u1ec3m. Do \u0111\u00f3, khi ch\u1ecdn h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, h\u00e3y t\u00ecm t\u00e0i li\u1ec7u b\u1ea3o hi\u1ec3m (h\u1ee3p \u0111\u1ed3ng\/ch\u1ee9ng nh\u1eadn) c\u00f3 th\u00f4ng tin r\u00f5 r\u00e0ng, th\u1eddi h\u1ea1n v\u00e0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m.<\/p>\n

Th\u1ef1c t\u1ebf, b\u1ea1n n\u00ean \u0111i\u1ec1u ch\u1ec9nh b\u1ea3o hi\u1ec3m cho ph\u00f9 h\u1ee3p v\u1edbi t\u00ecnh hu\u1ed1ng c\u1ee7a m\u00ecnh: m\u1ed9t l\u1ef1a ch\u1ecdn kh\u00e1c s\u1ebd ph\u00f9 h\u1ee3p v\u1edbi th\u1eddi gian l\u01b0u tr\u00fa ng\u1eafn v\u00e0 m\u1ed9t l\u1ef1a ch\u1ecdn kh\u00e1c s\u1ebd ph\u00f9 h\u1ee3p v\u1edbi vi\u1ec7c chuy\u1ec3n nh\u00e0 c\u00f9ng gia \u0111\u00ecnh. M\u1ed9t th\u1ef1c h\u00e0nh t\u1ed1t l\u00e0 tr\u00e1nh nh\u1eefng sai l\u1ea7m th\u01b0\u1eddng g\u1eb7p (v\u00ed d\u1ee5: s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m qu\u00e1 th\u1ea5p ho\u1eb7c ph\u1ea1m vi b\u1ea3o hi\u1ec3m kh\u00f4ng ph\u00f9 h\u1ee3p). Xem: sai l\u1ea7m khi ch\u1ecdn b\u1ea3o hi\u1ec3m cho th\u1ecb th\u1ef1c<\/a>.<\/p>\n<\/p><\/div>\n

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

Tr\u01b0\u1edbc khi mua h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, h\u00e3y \u0111\u1ea3m b\u1ea3o r\u1eb1ng b\u1ea1n c\u00f3 th\u1ec3 thay \u0111\u1ed5i ho\u1eb7c gia h\u1ea1n h\u1ee3p \u0111\u1ed3ng n\u1ebfu c\u1ea7n thi\u1ebft. Trong th\u1ef1c t\u1ebf, \u0111\u00e2y l\u00e0 c\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p c\u1ee7a ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i: 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<\/p><\/div>\n<\/p><\/div>\n

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B\u01b0\u1edbc t\u1eebng b\u01b0\u1edbc: L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 s\u1eed d\u1ee5ng ph\u01b0\u01a1ng ph\u00e1p \u0111i\u1ec1u tr\u1ecb?<\/h2>\n<\/p><\/div>\n
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Ch\u1ec9 c\u00f3 b\u1ea3o hi\u1ec3m l\u00e0 m\u1edbi ch\u1ec9 l\u00e0 b\u01b0\u1edbc \u0111\u1ea7u. Vi\u1ec7c \u0111i\u1ec1u tr\u1ecb c\u00f3 su\u00f4n s\u1ebb hay kh\u00f4ng ph\u1ee5 thu\u1ed9c v\u00e0o c\u00e1ch b\u1ea1n h\u00e0nh \u0111\u1ed9ng trong th\u1ef1c t\u1ebf. Trong h\u1ec7 th\u1ed1ng c\u00f4ng c\u1ed9ng, b\u1ea1n th\u01b0\u1eddng s\u1eed d\u1ee5ng c\u00e1c c\u01a1 s\u1edf y t\u1ebf c\u00f3 h\u1ee3p \u0111\u1ed3ng v\u1edbi NFZ. Trong b\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n, th\u01b0\u1eddng ph\u1ea3i li\u00ean h\u1ec7 v\u1edbi trung t\u00e2m c\u1ea5p c\u1ee9u, n\u01a1i s\u1ebd t\u1ed5 ch\u1ee9c vi\u1ec7c cung c\u1ea5p d\u1ecbch v\u1ee5 v\u00e0 x\u00e1c nh\u1eadn chi ph\u00ed \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m.<\/p>\n<\/p><\/div>\n

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