{"id":3623,"date":"2026-03-10T13:14:10","date_gmt":"2026-03-10T12:14:10","guid":{"rendered":"https:\/\/insurancevisa.com\/nieskategoryzowane\/zwrot-kosztow-ubezpieczenia-po-zakonczeniu-pobytu\/"},"modified":"2026-09-30T03:57:00","modified_gmt":"2026-09-30T01:57:00","slug":"hoan-tra-chi-phi-bao-hiem-sau-khi-ket-thuc-ky-nghi","status":"publish","type":"post","link":"https:\/\/insurancevisa.com\/vi\/poradnik\/ubezpieczenie-wymagane-do-wizy-i-karty-pobytu\/zwrot-kosztow-ubezpieczenia-po-zakonczeniu-pobytu\/","title":{"rendered":"Ho\u00e0n tr\u1ea3 chi ph\u00ed b\u1ea3o hi\u1ec3m sau khi k\u1ebft th\u00fac k\u1ef3 ngh\u1ec9"},"content":{"rendered":"<div class=\"wp-block-kadence-rowlayout\">\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 class=\"kt-adv-heading\">Ho\u00e0n tr\u1ea3 sau khi k\u1ebft th\u00fac k\u1ef3 ngh\u1ec9: nh\u1eefng c\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p nh\u1ea5t<\/h2>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>K\u1ebft th\u00fac th\u1eddi gian \u1edf n\u01b0\u1edbc ngo\u00e0i ho\u1eb7c \u1edf Ba Lan th\u01b0\u1eddng \u0111\u1eb7t ra m\u1ed9t c\u00e2u h\u1ecfi: li\u1ec7u c\u00f3 th\u1ec3 l\u00e0m \u0111\u01b0\u1ee3c kh\u00f4ng? <strong>ho\u00e0n tr\u1ea3 chi ph\u00ed b\u1ea3o hi\u1ec3m<\/strong> cho th\u1eddi gian b\u1ea3o hi\u1ec3m ch\u01b0a s\u1eed d\u1ee5ng. C\u00e2u tr\u1ea3 l\u1eddi l\u00e0: \u0111\u00f4i khi c\u00f3, nh\u01b0ng t\u00f9y thu\u1ed9c v\u00e0o lo\u1ea1i h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, c\u00e1ch thanh to\u00e1n ph\u00ed b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OCU). T\u00ecnh hu\u1ed1ng n\u00e0y kh\u00e1c nhau. <strong>ho\u00e0n tr\u1ea3 ph\u00ed b\u1ea3o hi\u1ec3m<\/strong> sau khi ch\u1ea5m d\u1ee9t h\u1ee3p \u0111\u1ed3ng, ho\u1eb7c thanh to\u00e1n theo h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m du l\u1ecbch, ho\u1eb7c theo h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m mua theo \u201eth\u1ebb c\u01b0 tr\u00fa\u201d.<\/p>\n<p>Trong h\u01b0\u1edbng d\u1eabn n\u00e0y, t\u00f4i gi\u1ea3i th\u00edch khi n\u00e0o \u0111i\u1ec1u \u0111\u00f3 l\u00e0 th\u1ef1c t\u1ebf. <strong>ho\u00e0n tr\u1ea3 chi ph\u00ed b\u1ea3o hi\u1ec3m<\/strong>, c\u00e1ch ho\u1ea1t \u0111\u1ed9ng <strong>h\u1ee7y b\u1ecf h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/strong>, nh\u1eefng t\u00e0i li\u1ec7u n\u00e0o th\u01b0\u1eddng c\u1ea7n thi\u1ebft v\u00e0 c\u00e1ch tr\u00e1nh nh\u1eefng sai l\u1ea7m l\u00e0m k\u00e9o d\u00e0i qu\u00e1 tr\u00ecnh. N\u1ebfu b\u1ea1n \u0111ang \u1edf giai \u0111o\u1ea1n ho\u00e0n thi\u1ec7n t\u00e0i li\u1ec7u, h\u00e3y xem th\u00eam <a href=\"https:\/\/insurancevisa.com\/vi\/huong-dan\/bao-hiem-can-thiet-cho-visa-va-the-cu-tru\/yeu-cau-bao-hiem-cho-the-cu-tru-2025\/\">Y\u00eau c\u1ea7u b\u1ea3o hi\u1ec3m cho th\u1ebb c\u01b0 tr\u00fa<\/a>, b\u1edfi v\u00ec kh\u00f4ng ph\u1ea3i m\u1ecdi thay \u0111\u1ed5i v\u00e0 m\u1ecdi tuy\u00ean b\u1ed1 \u0111\u1ec1u trung l\u1eadp \u0111\u1ed1i v\u1edbi c\u01a1 quan.<\/p>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 class=\"kt-adv-heading\">Khi n\u00e0o c\u00f3 th\u1ec3 ho\u00e0n tr\u1ea3 ph\u00ed b\u1ea3o hi\u1ec3m?<\/h2>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p><strong>Ho\u00e0n tr\u1ea3 ph\u00ed b\u1ea3o hi\u1ec3m<\/strong> Sau khi k\u1ebft th\u00fac th\u1eddi gian l\u01b0u tr\u00fa, \u0111i\u1ec1u n\u00e0y th\u01b0\u1eddng x\u1ea3y ra khi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m k\u1ebft th\u00fac s\u1edbm h\u01a1n d\u1ef1 ki\u1ebfn (v\u00ed d\u1ee5: r\u1eddi \u0111i, m\u1ea5t c\u01a1 s\u1edf l\u01b0u tr\u00fa, thay \u0111\u1ed5i t\u00ecnh tr\u1ea1ng). Tr\u00ean th\u1ef1c t\u1ebf, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u00e1p d\u1ee5ng m\u1ed9t s\u1ed1 m\u00f4 h\u00ecnh thanh to\u00e1n v\u00e0 ch\u00ednh c\u00e1c m\u00f4 h\u00ecnh n\u00e0y quy\u1ebft \u0111\u1ecbnh li\u1ec7u c\u00f3 ho\u00e0n tr\u1ea3 hay kh\u00f4ng.<\/p>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h3 class=\"kt-adv-heading\">1) Ph\u00ed b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c thanh to\u00e1n h\u00e0ng th\u00e1ng ho\u1eb7c theo \u0111\u1ee3t<\/h3>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>N\u1ebfu b\u1ea1n tr\u1ea3 ph\u00ed h\u00e0ng th\u00e1ng ho\u1eb7c theo \u0111\u1ee3t, vi\u1ec7c \u201eho\u00e0n tr\u1ea3\u201d th\u01b0\u1eddng \u00edt ph\u1ee9c t\u1ea1p nh\u1ea5t, v\u00ec b\u1ea1n ch\u1ec9 c\u1ea7n ng\u1eebng thanh to\u00e1n cho c\u00e1c k\u1ef3 ti\u1ebfp theo. M\u1ed9t chi ti\u1ebft quan tr\u1ecdng trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) th\u01b0\u1eddng g\u1eb7p trong nhi\u1ec1u s\u1ea3n ph\u1ea9m: <strong>vi\u1ec7c t\u1eeb ch\u1ee9c c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n b\u1ea5t c\u1ee9 l\u00fac n\u00e0o<\/strong>, nh\u01b0ng tr\u00e1ch nhi\u1ec7m c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m th\u01b0\u1eddng k\u1ebft th\u00fac <strong>khi h\u1ebft th\u1eddi h\u1ea1n m\u00e0 ph\u00ed b\u1ea3o hi\u1ec3m \u0111\u00e3 \u0111\u01b0\u1ee3c thanh to\u00e1n<\/strong>. \u0110i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0 vi\u1ec7c h\u1ee7y \u0111\u0103ng k\u00fd h\u00f4m nay kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o c\u0169ng t\u1ef1 \u0111\u1ed9ng \u201eho\u00e0n l\u1ea1i\u201d ph\u00ed cho th\u00e1ng hi\u1ec7n t\u1ea1i.<\/p>\n<p>Trong m\u00f4 h\u00ecnh n\u00e0y, \u0111i\u1ec1u quan tr\u1ecdng l\u00e0 ph\u1ea3i n\u1ed9p \u0111\u01a1n h\u1ee7y h\u1ee3p \u0111\u1ed3ng theo quy \u0111\u1ecbnh c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m (b\u1eb1ng v\u0103n b\u1ea3n ho\u1eb7c email, n\u1ebfu \u0111\u01b0\u1ee3c ph\u00e9p), sau \u0111\u00f3 \u0111\u1ea3m b\u1ea3o nh\u1eadn \u0111\u01b0\u1ee3c x\u00e1c nh\u1eadn ch\u1ea5p nh\u1eadn. N\u1ebfu b\u1ea1n \u0111ang c\u00e2n nh\u1eafc thay \u0111\u1ed5i g\u00f3i b\u1ea3o hi\u1ec3m thay v\u00ec h\u1ee7y h\u1ee3p \u0111\u1ed3ng, h\u01b0\u1edbng d\u1eabn n\u00e0y s\u1ebd h\u1eefu \u00edch cho b\u1ea1n. <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<h3 class=\"kt-adv-heading\">2) Ph\u00ed b\u1ea3o hi\u1ec3m tr\u1ea3 tr\u01b0\u1edbc cho th\u1eddi gian d\u00e0i<\/h3>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>N\u1ebfu ph\u00ed b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c thanh to\u00e1n m\u1ed9t l\u1ea7n (v\u00ed d\u1ee5: cho 6 ho\u1eb7c 12 th\u00e1ng), v\u1ea5n \u0111\u1ec1 \u201ec\u00f3 \u0111\u01b0\u1ee3c ho\u00e0n l\u1ea1i ti\u1ec1n hay kh\u00f4ng\u201d s\u1ebd \u0111\u01b0\u1ee3c quy\u1ebft \u0111\u1ecbnh theo c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU). Th\u01b0\u1eddng th\u00ec quy \u0111\u1ecbnh l\u00e0 vi\u1ec7c ch\u1ea5m d\u1ee9t h\u1ee3p \u0111\u1ed3ng kh\u00f4ng mi\u1ec5n tr\u1eeb ngh\u0129a v\u1ee5 thanh to\u00e1n ph\u00ed b\u1ea3o hi\u1ec3m cho th\u1eddi gian m\u00e0 b\u1ea3o hi\u1ec3m \u0111\u00e3 \u0111\u01b0\u1ee3c cung c\u1ea5p. N\u00f3i c\u00e1ch kh\u00e1c: vi\u1ec7c ho\u00e0n l\u1ea1i ti\u1ec1n ch\u1ec9 \u00e1p d\u1ee5ng t\u1ed1i \u0111a cho <strong>th\u1eddi gian ch\u01b0a s\u1eed d\u1ee5ng<\/strong>, v\u00e0 kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o c\u0169ng theo t\u1ef7 l\u1ec7 \u201eng\u00e0y cho ng\u00e0y\u201d (c\u00f3 th\u1ec3 c\u00f3 c\u00e1c kho\u1ea3ng th\u1eddi gian thanh to\u00e1n t\u1ed1i thi\u1ec3u ho\u1eb7c ph\u00ed x\u1eed l\u00fd).<\/p>\n<p>Kh\u1ea3 n\u0103ng ho\u00e0n tr\u1ea3 c\u0169ng c\u00f3 th\u1ec3 b\u1ecb \u1ea3nh h\u01b0\u1edfng b\u1edfi vi\u1ec7c c\u00f3 x\u1ea3y ra s\u1ef1 ki\u1ec7n v\u00e0 thanh to\u00e1n trong th\u1eddi gian b\u1ea3o hi\u1ec3m hay kh\u00f4ng. N\u1ebfu c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u00e3 ch\u1ecbu chi ph\u00ed (v\u00ed d\u1ee5: ho\u00e0n tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb), h\u1ecd c\u00f3 th\u1ec3 t\u1eeb ch\u1ed1i ho\u00e0n tr\u1ea3 ph\u00ed b\u1ea3o hi\u1ec3m ho\u1eb7c t\u00ednh to\u00e1n theo c\u00e1ch kh\u00e1c. Do \u0111\u00f3, tr\u01b0\u1edbc khi n\u1ed9p \u0111\u01a1n xin ho\u00e0n tr\u1ea3, h\u00e3y x\u00e1c \u0111\u1ecbnh xem b\u1ea1n c\u00f3 y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng ho\u1eb7c ho\u00e0n tr\u1ea3 \u0111ang \u0111\u01b0\u1ee3c x\u1eed l\u00fd hay kh\u00f4ng.<\/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\">\ud83d\udca1 M\u1eb9o<\/h4>\n<p class=\"kt-blocks-info-box-text\">N\u1ebfu h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c mua cho m\u1ee5c \u0111\u00edch h\u00e0nh ch\u00ednh (visa, th\u1ebb c\u01b0 tr\u00fa), \u0111\u1eebng h\u1ee7y h\u1ee3p \u0111\u1ed3ng tr\u01b0\u1edbc khi b\u1ea1n c\u00f3 x\u00e1c nh\u1eadn kh\u00e1c v\u1ec1 vi\u1ec7c ti\u1ebfp t\u1ee5c b\u1ea3o hi\u1ec3m. Xem th\u00eam <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\/\">nh\u1eefng l\u1ed7i th\u01b0\u1eddng g\u1eb7p nh\u1ea5t khi mua b\u1ea3o hi\u1ec3m cho th\u1ecb th\u1ef1c<\/a>.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 class=\"kt-adv-heading\">K\u1ebft th\u00fac th\u1eddi gian l\u01b0u tr\u00fa v\u00e0 lo\u1ea1i h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/h2>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>T\u1eeb kh\u00f3a \u201e<strong>k\u1ebft th\u00fac th\u1eddi gian l\u01b0u tr\u00fa b\u1ea3o hi\u1ec3m<\/strong>\u201dc\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c hi\u1ec3u theo hai c\u00e1ch: l\u00e0 k\u1ebft th\u00fac th\u1eddi gian l\u01b0u tr\u00fa th\u1ef1c t\u1ebf (ra \u0111i) ho\u1eb7c l\u00e0 k\u1ebft th\u00fac h\u1ee3p \u0111\u1ed3ng (k\u1ebft th\u00fac b\u1ea3o hi\u1ec3m). T\u00f9y thu\u1ed9c v\u00e0o s\u1ea3n ph\u1ea9m, vi\u1ec7c ra \u0111i c\u00f3 th\u1ec3 t\u1ef1 \u0111\u1ed9ng ch\u1ea5m d\u1ee9t b\u1ea3o hi\u1ec3m ho\u1eb7c kh\u00f4ng \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn b\u1ea3o hi\u1ec3m.<\/p>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h3 class=\"kt-adv-heading\">B\u1ea3o hi\u1ec3m du l\u1ecbch: tr\u1edf v\u1ec1 v\u00e0 b\u1ea3o v\u1ec7<\/h3>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Trong b\u1ea3o hi\u1ec3m du l\u1ecbch, th\u01b0\u1eddng c\u00f3 \u0111i\u1ec1u kho\u1ea3n quy \u0111\u1ecbnh r\u1eb1ng h\u1ee3p \u0111\u1ed3ng s\u1ebd h\u1ebft hi\u1ec7u l\u1ef1c khi b\u1ea1n tr\u1edf v\u1ec1 n\u01b0\u1edbc c\u01b0 tr\u00fa th\u01b0\u1eddng xuy\u00ean tr\u01b0\u1edbc th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m d\u1ef1 ki\u1ebfn. \u0110i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 gi\u00fap b\u1ea1n d\u1ec5 d\u00e0ng ch\u1ea5m d\u1ee9t b\u1ea3o hi\u1ec3m, nh\u01b0ng kh\u00f4ng c\u00f3 ngh\u0129a l\u00e0 b\u1ea1n s\u1ebd \u0111\u01b0\u1ee3c ho\u00e0n tr\u1ea3 ph\u00ed b\u1ea3o hi\u1ec3m. Vi\u1ec7c ho\u00e0n tr\u1ea3 ph\u00ed b\u1ea3o hi\u1ec3m ph\u1ee5 thu\u1ed9c v\u00e0o c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee5 th\u1ec3 c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 vi\u1ec7c b\u1ea1n c\u00f3 b\u00e1o c\u00e1o thi\u1ec7t h\u1ea1i hay kh\u00f4ng.<\/p>\n<p>Quan tr\u1ecdng: ngay c\u1ea3 khi th\u1eddi gian l\u01b0u tr\u00fa \u0111\u00e3 k\u1ebft th\u00fac, m\u1ed9t ph\u1ea7n c\u00e1c d\u1ecbch v\u1ee5 v\u1eabn c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c thanh to\u00e1n. <strong>sau s\u1ef1 ki\u1ec7n<\/strong> (v\u00ed d\u1ee5: thanh to\u00e1n tr\u1ee3 c\u1ea5p sau khi k\u1ebft th\u00fac th\u1eddi gian n\u1eb1m vi\u1ec7n). T\u01b0\u01a1ng t\u1ef1, vi\u1ec7c ho\u00e0n tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb th\u01b0\u1eddng y\u00eau c\u1ea7u h\u00f3a \u0111\u01a1n v\u00e0 ch\u1ee9ng t\u1eeb thanh to\u00e1n, v\u00e0 quy\u1ebft \u0111\u1ecbnh c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c \u0111\u01b0a ra sau khi b\u1ea1n tr\u1edf v\u1ec1.<\/p>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h3 class=\"kt-adv-heading\">Gi\u1ea5y ph\u00e9p c\u01b0 tr\u00fa ho\u1eb7c th\u1ebb c\u01b0 tr\u00fa<\/h3>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Trong c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c mua theo \u201eth\u1ee7 t\u1ee5c\u201d ch\u00ednh th\u1ee9c, \u0111i\u1ec1u quan tr\u1ecdng nh\u1ea5t l\u00e0 <strong>s\u1ef1 li\u00ean t\u1ee5c c\u1ee7a b\u1ea3o v\u1ec7<\/strong> trong th\u1eddi gian m\u00e0 b\u1ea1n khai b\u00e1o trong c\u00e1c t\u00e0i li\u1ec7u. N\u1ebfu th\u1eddi gian l\u01b0u tr\u00fa c\u1ee7a b\u1ea1n k\u1ebft th\u00fac s\u1edbm h\u01a1n, b\u1ea1n c\u00f3 th\u1ec3 xem x\u00e9t vi\u1ec7c ch\u1ea5m d\u1ee9t h\u1ee3p \u0111\u1ed3ng, nh\u01b0ng h\u00e3y nh\u1edb r\u1eb1ng c\u01a1 quan c\u00f3 th\u1ec3 y\u00eau c\u1ea7u gi\u1ea3i th\u00edch n\u1ebfu trong qu\u00e1 tr\u00ecnh x\u1eed l\u00fd, h\u1ecd ph\u00e1t hi\u1ec7n ra r\u1eb1ng b\u1ea3o hi\u1ec3m kh\u00f4ng bao g\u1ed3m to\u00e0n b\u1ed9 th\u1eddi gian khai b\u00e1o.<\/p>\n<p>N\u1ebfu b\u1ea1n mu\u1ed1n \u0111i\u1ec1u ch\u1ec9nh h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m cho ph\u00f9 h\u1ee3p v\u1edbi t\u00ecnh hu\u1ed1ng m\u1edbi (v\u00ed d\u1ee5: k\u1ebf ho\u1ea1ch kh\u00e1c, th\u1eddi h\u1ea1n kh\u00e1c) thay v\u00ec h\u1ee7y b\u1ecf h\u1ee3p \u0111\u1ed3ng, th\u00ec th\u01b0\u1eddng an to\u00e0n h\u01a1n l\u00e0 <a href=\"https:\/\/insurancevisa.com\/vi\/huong-dan\/cac-cau-hoi-va-van-de-thuong-gap-cua-nguoi-nuoc-ngoai\/thay-doi-bao-hiem-trong-thoi-gian-luu-tru-ke-hoach-moi\/\">thay \u0111\u1ed5i b\u1ea3o hi\u1ec3m trong th\u1eddi gian l\u01b0u tr\u00fa<\/a> h\u01a1n l\u00e0 \u201ec\u1eaft gi\u1ea3m\u201d b\u1ea3o v\u1ec7 m\u00e0 kh\u00f4ng c\u00f3 k\u1ebf ho\u1ea1ch B.<\/p>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 class=\"kt-adv-heading\">C\u00e1ch nh\u1eadn ho\u00e0n ti\u1ec1n: th\u1ee7 t\u1ee5c t\u1eebng b\u01b0\u1edbc<\/h2>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>N\u1ebfu m\u1ee5c ti\u00eau c\u1ee7a b\u1ea1n l\u00e0 <strong>ho\u00e0n tr\u1ea3 chi ph\u00ed b\u1ea3o hi\u1ec3m<\/strong> (ho\u00e0n tr\u1ea3 ph\u00ed b\u1ea3o hi\u1ec3m ch\u01b0a s\u1eed d\u1ee5ng), h\u00e3y b\u1eaft \u0111\u1ea7u v\u1edbi hai vi\u1ec7c: (1) ki\u1ec3m tra xem \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) c\u00f3 cho ph\u00e9p thanh to\u00e1n theo t\u1ef7 l\u1ec7 hay kh\u00f4ng, (2) x\u00e1c \u0111\u1ecbnh ng\u00e0y m\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m coi l\u00e0 ng\u00e0y k\u1ebft th\u00fac tr\u00e1ch nhi\u1ec7m. Trong nhi\u1ec1u s\u1ea3n ph\u1ea9m, \u0111\u00f3 s\u1ebd l\u00e0 ng\u00e0y k\u1ebft th\u00fac k\u1ef3 h\u1ea1n \u0111\u00e3 thanh to\u00e1n, ch\u1ee9 kh\u00f4ng ph\u1ea3i ng\u00e0y n\u1ed9p \u0111\u01a1n.<\/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>Ki\u1ec3m tra \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) v\u00e0 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m:<\/strong> H\u00e3y ch\u00fa \u00fd \u0111\u1ebfn c\u00e1c m\u1ee5c \u201eh\u1ee7y b\u1ecf\u201d, \u201ech\u1ea5m d\u1ee9t\u201d, \u201egi\u1ea3i quy\u1ebft h\u1ee3p \u0111\u1ed3ng\u201d v\u00e0 thanh to\u00e1n ph\u00ed b\u1ea3o hi\u1ec3m.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Chu\u1ea9n b\u1ecb tuy\u00ean b\u1ed1:<\/strong> H\u00e3y cung c\u1ea5p s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, th\u00f4ng tin c\u00e1 nh\u00e2n, ng\u00e0y k\u1ebft th\u00fac k\u1ef3 l\u01b0u tr\u00fa v\u00e0 y\u00eau c\u1ea7u ho\u00e0n l\u1ea1i ph\u00ed b\u1ea3o hi\u1ec3m cho th\u1eddi gian ch\u01b0a s\u1eed d\u1ee5ng.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>\u0110\u00ednh k\u00e8m t\u00e0i li\u1ec7u:<\/strong> x\u00e1c nh\u1eadn chuy\u1ebfn \u0111i (v\u00ed d\u1ee5: v\u00e9), x\u00e1c nh\u1eadn ch\u1ea5m d\u1ee9t h\u1ee3p \u0111\u1ed3ng thu\u00ea\/lao \u0111\u1ed9ng, v\u00e0 th\u00f4ng tin t\u00e0i kho\u1ea3n \u0111\u1ec3 ho\u00e0n tr\u1ea3.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>G\u1eedi qua k\u00eanh th\u00edch h\u1ee3p:<\/strong> e-mail ho\u1eb7c th\u01b0, theo OWU. Y\u00eau c\u1ea7u x\u00e1c nh\u1eadn ch\u1ea5p nh\u1eadn.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>\u0110\u1ea3m b\u1ea3o thanh to\u00e1n:<\/strong> n\u1ebfu c\u00f4ng ty b\u1ea3o hi\u1ec3m y\u00eau c\u1ea7u th\u00eam th\u00f4ng tin, h\u00e3y b\u1ed5 sung ngay l\u1eadp t\u1ee9c.<\/span><\/li>\n<\/ul><\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h3 class=\"kt-adv-heading\">V\u00e0 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb sau khi r\u1eddi \u0111i th\u00ec sao?<\/h3>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>L\u01b0u \u00fd: \u201eho\u00e0n tr\u1ea3\u201d th\u01b0\u1eddng b\u1ecb nh\u1ea7m l\u1eabn v\u1edbi ho\u00e0n tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb. Ho\u00e0n tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb \u00e1p d\u1ee5ng cho h\u00f3a \u0111\u01a1n y t\u1ebf, kh\u00f4ng \u00e1p d\u1ee5ng cho ph\u00ed b\u1ea3o hi\u1ec3m. Trong nhi\u1ec1u \u0111i\u1ec1u kho\u1ea3n v\u00e0 \u0111i\u1ec1u ki\u1ec7n chung, ho\u00e0n tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n tr\u00ean c\u01a1 s\u1edf <strong>h\u00f3a \u0111\u01a1n\/phi\u1ebfu thanh to\u00e1n v\u00e0 ch\u1ee9ng t\u1eeb thanh to\u00e1n<\/strong>. \u0110\u00f4i khi c\u1ea7n th\u00eam th\u00f4ng tin tr\u00ean h\u00f3a \u0111\u01a1n (v\u00ed d\u1ee5: th\u00f4ng tin b\u1ec7nh nh\u00e2n, ng\u00e0y cung c\u1ea5p d\u1ecbch v\u1ee5, ch\u1ea9n \u0111o\u00e1n).<\/p>\n<p>N\u1ebfu b\u1ea1n mu\u1ed1n \u0111\u01b0\u1ee3c ho\u00e0n l\u1ea1i ti\u1ec1n cho chi ph\u00ed \u0111i\u1ec1u tr\u1ecb (ch\u1ee9 kh\u00f4ng ph\u1ea3i ph\u00ed b\u1ea3o hi\u1ec3m), h\u00e3y \u0111\u1ea3m b\u1ea3o r\u1eb1ng d\u1ecbch v\u1ee5 \u0111\u00f3 n\u1eb1m trong ph\u1ea1m vi b\u1ea3o hi\u1ec3m. B\u1ea1n c\u00f3 th\u1ec3 t\u00ecm th\u1ea5y th\u00f4ng tin h\u1eefu \u00edch trong b\u00e0i vi\u1ebft v\u1ec1 <a href=\"https:\/\/insurancevisa.com\/vi\/huong-dan\/cac-cau-hoi-va-van-de-thuong-gap-cua-nguoi-nuoc-ngoai\/bao-hiem-dieu-tri-noi-tru-cho-nguoi-nuoc-ngoai-pham-vi-bao-hiem\/\">trong l\u0129nh v\u1ef1c \u0111i\u1ec1u tr\u1ecb n\u1ed9i tr\u00fa<\/a>, v\u00ec \u0111i\u1ec1u n\u00e0y th\u01b0\u1eddng quy\u1ebft \u0111\u1ecbnh nh\u1eefng g\u00ec \u0111\u01b0\u1ee3c ho\u00e0n tr\u1ea3 v\u00e0 theo nh\u1eefng nguy\u00ean t\u1eafc n\u00e0o.<\/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\">\ud83d\udca1 M\u1eb9o<\/h4>\n<p class=\"kt-blocks-info-box-text\">Trong th\u01b0 t\u1eeb ch\u1ee9c, h\u00e3y t\u00e1ch hai v\u1ea5n \u0111\u1ec1: (1) ch\u1ea5m d\u1ee9t\/h\u1ee7y b\u1ecf h\u1ee3p \u0111\u1ed3ng v\u00e0 ho\u00e0n tr\u1ea3 ph\u00ed b\u1ea3o hi\u1ec3m, (2) c\u00e1c y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng chi ph\u00ed \u0111i\u1ec1u tr\u1ecb d\u1ef1a tr\u00ean h\u00f3a \u0111\u01a1n (n\u1ebfu c\u00f3). \u0110i\u1ec1u n\u00e0y s\u1ebd gi\u00fap \u0111\u1ea9y nhanh qu\u00e1 tr\u00ecnh x\u1eed l\u00fd.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 class=\"kt-adv-heading\">T\u00f3m t\u1eaft: khi vi\u1ec7c ho\u00e0n tr\u1ea3 l\u00e0 th\u1ef1c t\u1ebf<\/h2>\n<\/p><\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p><strong>C\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c ho\u00e0n l\u1ea1i chi ph\u00ed b\u1ea3o hi\u1ec3m sau khi k\u1ebft th\u00fac k\u1ef3 ngh\u1ec9 kh\u00f4ng?<\/strong> \u0110\u00fang v\u1eady, nh\u01b0ng th\u01b0\u1eddng l\u00e0 khi \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) cho ph\u00e9p thanh to\u00e1n ph\u00ed b\u1ea3o hi\u1ec3m cho th\u1eddi gian ch\u01b0a s\u1eed d\u1ee5ng v\u00e0 khi vi\u1ec7c ch\u1ea5m d\u1ee9t h\u1ee3p \u0111\u1ed3ng \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n \u0111\u00fang quy \u0111\u1ecbnh. V\u1edbi ph\u00ed b\u1ea3o hi\u1ec3m h\u00e0ng th\u00e1ng, b\u1ea1n th\u01b0\u1eddng kh\u00f4ng \u0111\u01b0\u1ee3c ho\u00e0n l\u1ea1i ph\u00ed \u0111\u00e3 tr\u1ea3 cho th\u1eddi gian \u0111\u00e3 s\u1eed d\u1ee5ng, m\u00e0 ch\u1ec9 kh\u00f4ng ph\u1ea3i tr\u1ea3 ph\u00ed cho c\u00e1c k\u1ef3 ti\u1ebfp theo. V\u1edbi ph\u00ed b\u1ea3o hi\u1ec3m tr\u1ea3 tr\u01b0\u1edbc, vi\u1ec7c ho\u00e0n l\u1ea1i ph\u00ed ph\u1ee5 thu\u1ed9c v\u00e0o quy \u0111\u1ecbnh thanh to\u00e1n v\u00e0 l\u1ecbch s\u1eed khi\u1ebfu n\u1ea1i.<\/p>\n<p>N\u1ebfu ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m l\u00e0 c\u1ea7n thi\u1ebft cho th\u1ecb th\u1ef1c ho\u1eb7c th\u1ebb c\u01b0 tr\u00fa, h\u00e3y \u0111\u1ea3m b\u1ea3o t\u00ednh li\u00ean t\u1ee5c c\u1ee7a b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c t\u00e0i li\u1ec7u tr\u01b0\u1edbc khi n\u1ed9p \u0111\u01a1n. <strong>h\u1ee7y b\u1ecf h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/strong>. V\u00e0 khi m\u1ee5c ti\u00eau c\u1ee7a b\u1ea1n l\u00e0 \u0111\u01b0\u1ee3c ho\u00e0n tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb sau khi \u0111i du l\u1ecbch, h\u00e3y thu th\u1eadp h\u00f3a \u0111\u01a1n v\u00e0 ch\u1ee9ng t\u1eeb thanh to\u00e1n. N\u1ebfu mu\u1ed1n, h\u00e3y li\u00ean h\u1ec7 v\u1edbi insurancevisa.com v\u00e0 y\u00eau c\u1ea7u tr\u1ee3 gi\u00fap trong vi\u1ec7c l\u1ef1a ch\u1ecdn gi\u1ea3i ph\u00e1p kh\u00f4ng ph\u1ee9c t\u1ea1p v\u1ec1 th\u1ee7 t\u1ee5c.<\/p>\n<\/p><\/div>\n<\/p><\/div>","protected":false},"excerpt":{"rendered":"<p>Ho\u00e0n tr\u1ea3 sau khi k\u1ebft th\u00fac k\u1ef3 ngh\u1ec9: nh\u1eefng c\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p nh\u1ea5t K\u1ebft th\u00fac k\u1ef3 ngh\u1ec9 \u1edf n\u01b0\u1edbc ngo\u00e0i ho\u1eb7c \u1edf Ba Lan th\u01b0\u1eddng \u0111\u1eb7t ra m\u1ed9t c\u00e2u h\u1ecfi: li\u1ec7u c\u00f3 th\u1ec3\u2026<\/p>","protected":false},"author":2,"featured_media":3622,"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":[55,52,63,58,54],"class_list":["post-3623","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ubezpieczenie-wymagane-do-wizy-i-karty-pobytu","tag-cudzoziemcy-w-polsce","tag-koszt-ubezpieczenia","tag-owu","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>Zwrot koszt\u00f3w ubezpieczenia po zako\u0144czeniu pobytu - Insurance VISA<\/title>\n<meta name=\"description\" content=\"Sprawd\u017a, kiedy mo\u017cliwy jest zwrot koszt\u00f3w ubezpieczenia po zako\u0144czeniu pobytu: zwrot sk\u0142adki, rezygnacja z polisy, dokumenty i procedura krok po kroku.\" \/>\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-ket-thuc-ky-nghi\/\" \/>\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 zako\u0144czeniu pobytu\" \/>\n<meta property=\"og:description\" content=\"Sprawd\u017a, kiedy mo\u017cliwy jest zwrot koszt\u00f3w ubezpieczenia po zako\u0144czeniu pobytu: zwrot sk\u0142adki, rezygnacja z polisy, dokumenty i procedura krok po kroku.\" \/>\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-ket-thuc-ky-nghi\/\" \/>\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=\"2026-03-10T12:14:10+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-09-30T01:57:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/insurancevisa.com\/wp-content\/uploads\/2026\/03\/foto-2.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"2528\" \/>\n\t<meta property=\"og:image:height\" content=\"1696\" \/>\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=\"6 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-zakonczeniu-pobytu\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/insurancevisa.com\\\/vi\\\/poradnik\\\/ubezpieczenie-wymagane-do-wizy-i-karty-pobytu\\\/zwrot-kosztow-ubezpieczenia-po-zakonczeniu-pobytu\\\/\"},\"author\":{\"name\":\"redaktor\",\"@id\":\"https:\\\/\\\/insurancevisa.com\\\/vi\\\/#\\\/schema\\\/person\\\/c078f3c69511a8a0baa74f5da100c301\"},\"headline\":\"Zwrot koszt\u00f3w ubezpieczenia po zako\u0144czeniu pobytu\",\"datePublished\":\"2026-03-10T12:14:10+00:00\",\"dateModified\":\"2026-09-30T01:57:00+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/insurancevisa.com\\\/vi\\\/poradnik\\\/ubezpieczenie-wymagane-do-wizy-i-karty-pobytu\\\/zwrot-kosztow-ubezpieczenia-po-zakonczeniu-pobytu\\\/\"},\"wordCount\":1209,\"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-zakonczeniu-pobytu\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/insurancevisa.com\\\/wp-content\\\/uploads\\\/2026\\\/03\\\/foto-2.webp\",\"keywords\":[\"cudzoziemcy w Polsce\",\"koszt ubezpieczenia\",\"OWU\",\"ubezpieczenie dla cudzoziemca\",\"ubezpieczenie zdrowotne\"],\"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-zakonczeniu-pobytu\\\/\",\"url\":\"https:\\\/\\\/insurancevisa.com\\\/vi\\\/poradnik\\\/ubezpieczenie-wymagane-do-wizy-i-karty-pobytu\\\/zwrot-kosztow-ubezpieczenia-po-zakonczeniu-pobytu\\\/\",\"name\":\"Zwrot koszt\u00f3w ubezpieczenia po zako\u0144czeniu pobytu - 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-zakonczeniu-pobytu\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/insurancevisa.com\\\/vi\\\/poradnik\\\/ubezpieczenie-wymagane-do-wizy-i-karty-pobytu\\\/zwrot-kosztow-ubezpieczenia-po-zakonczeniu-pobytu\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/insurancevisa.com\\\/wp-content\\\/uploads\\\/2026\\\/03\\\/foto-2.webp\",\"datePublished\":\"2026-03-10T12:14:10+00:00\",\"dateModified\":\"2026-09-30T01:57:00+00:00\",\"description\":\"Sprawd\u017a, kiedy mo\u017cliwy jest zwrot koszt\u00f3w ubezpieczenia po zako\u0144czeniu pobytu: zwrot sk\u0142adki, rezygnacja z polisy, dokumenty i procedura krok po kroku.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/insurancevisa.com\\\/vi\\\/poradnik\\\/ubezpieczenie-wymagane-do-wizy-i-karty-pobytu\\\/zwrot-kosztow-ubezpieczenia-po-zakonczeniu-pobytu\\\/#breadcrumb\"},\"inLanguage\":\"vi\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/insurancevisa.com\\\/vi\\\/poradnik\\\/ubezpieczenie-wymagane-do-wizy-i-karty-pobytu\\\/zwrot-kosztow-ubezpieczenia-po-zakonczeniu-pobytu\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"vi\",\"@id\":\"https:\\\/\\\/insurancevisa.com\\\/vi\\\/poradnik\\\/ubezpieczenie-wymagane-do-wizy-i-karty-pobytu\\\/zwrot-kosztow-ubezpieczenia-po-zakonczeniu-pobytu\\\/#primaryimage\",\"url\":\"https:\\\/\\\/insurancevisa.com\\\/wp-content\\\/uploads\\\/2026\\\/03\\\/foto-2.webp\",\"contentUrl\":\"https:\\\/\\\/insurancevisa.com\\\/wp-content\\\/uploads\\\/2026\\\/03\\\/foto-2.webp\",\"width\":2528,\"height\":1696,\"caption\":\"Zwrot koszt\u00f3w ubezpieczenia po zako\u0144czeniu pobytu\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/insurancevisa.com\\\/vi\\\/poradnik\\\/ubezpieczenie-wymagane-do-wizy-i-karty-pobytu\\\/zwrot-kosztow-ubezpieczenia-po-zakonczeniu-pobytu\\\/#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 zako\u0144czeniu pobytu\"}]},{\"@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 k\u1ebft th\u00fac chuy\u1ebfn \u0111i - 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: ho\u00e0n tr\u1ea3 ph\u00ed b\u1ea3o hi\u1ec3m, h\u1ee7y h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, c\u00e1c t\u00e0i li\u1ec7u v\u00e0 th\u1ee7 t\u1ee5c t\u1eebng b\u01b0\u1edbc.","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-ket-thuc-ky-nghi\/","og_locale":"vi_VN","og_type":"article","og_title":"Zwrot koszt\u00f3w ubezpieczenia po zako\u0144czeniu pobytu","og_description":"Sprawd\u017a, kiedy mo\u017cliwy jest zwrot koszt\u00f3w ubezpieczenia po zako\u0144czeniu pobytu: zwrot sk\u0142adki, rezygnacja z polisy, dokumenty i procedura krok po kroku.","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-ket-thuc-ky-nghi\/","og_site_name":"Insurance VISA","article_publisher":"https:\/\/www.facebook.com\/POLISARIUM","article_published_time":"2026-03-10T12:14:10+00:00","article_modified_time":"2026-09-30T01:57:00+00:00","og_image":[{"width":2528,"height":1696,"url":"https:\/\/insurancevisa.com\/wp-content\/uploads\/2026\/03\/foto-2.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":"6 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-zakonczeniu-pobytu\/#article","isPartOf":{"@id":"https:\/\/insurancevisa.com\/vi\/poradnik\/ubezpieczenie-wymagane-do-wizy-i-karty-pobytu\/zwrot-kosztow-ubezpieczenia-po-zakonczeniu-pobytu\/"},"author":{"name":"redaktor","@id":"https:\/\/insurancevisa.com\/vi\/#\/schema\/person\/c078f3c69511a8a0baa74f5da100c301"},"headline":"Zwrot koszt\u00f3w ubezpieczenia po zako\u0144czeniu pobytu","datePublished":"2026-03-10T12:14:10+00:00","dateModified":"2026-09-30T01:57:00+00:00","mainEntityOfPage":{"@id":"https:\/\/insurancevisa.com\/vi\/poradnik\/ubezpieczenie-wymagane-do-wizy-i-karty-pobytu\/zwrot-kosztow-ubezpieczenia-po-zakonczeniu-pobytu\/"},"wordCount":1209,"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-zakonczeniu-pobytu\/#primaryimage"},"thumbnailUrl":"https:\/\/insurancevisa.com\/wp-content\/uploads\/2026\/03\/foto-2.webp","keywords":["cudzoziemcy w Polsce","koszt ubezpieczenia","OWU","ubezpieczenie dla cudzoziemca","ubezpieczenie zdrowotne"],"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-zakonczeniu-pobytu\/","url":"https:\/\/insurancevisa.com\/vi\/poradnik\/ubezpieczenie-wymagane-do-wizy-i-karty-pobytu\/zwrot-kosztow-ubezpieczenia-po-zakonczeniu-pobytu\/","name":"Ho\u00e0n tr\u1ea3 chi ph\u00ed b\u1ea3o hi\u1ec3m sau khi k\u1ebft th\u00fac chuy\u1ebfn \u0111i - 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-zakonczeniu-pobytu\/#primaryimage"},"image":{"@id":"https:\/\/insurancevisa.com\/vi\/poradnik\/ubezpieczenie-wymagane-do-wizy-i-karty-pobytu\/zwrot-kosztow-ubezpieczenia-po-zakonczeniu-pobytu\/#primaryimage"},"thumbnailUrl":"https:\/\/insurancevisa.com\/wp-content\/uploads\/2026\/03\/foto-2.webp","datePublished":"2026-03-10T12:14:10+00:00","dateModified":"2026-09-30T01:57:00+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: ho\u00e0n tr\u1ea3 ph\u00ed b\u1ea3o hi\u1ec3m, h\u1ee7y h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, c\u00e1c t\u00e0i li\u1ec7u v\u00e0 th\u1ee7 t\u1ee5c t\u1eebng b\u01b0\u1edbc.","breadcrumb":{"@id":"https:\/\/insurancevisa.com\/vi\/poradnik\/ubezpieczenie-wymagane-do-wizy-i-karty-pobytu\/zwrot-kosztow-ubezpieczenia-po-zakonczeniu-pobytu\/#breadcrumb"},"inLanguage":"vi","potentialAction":[{"@type":"ReadAction","target":["https:\/\/insurancevisa.com\/vi\/poradnik\/ubezpieczenie-wymagane-do-wizy-i-karty-pobytu\/zwrot-kosztow-ubezpieczenia-po-zakonczeniu-pobytu\/"]}]},{"@type":"ImageObject","inLanguage":"vi","@id":"https:\/\/insurancevisa.com\/vi\/poradnik\/ubezpieczenie-wymagane-do-wizy-i-karty-pobytu\/zwrot-kosztow-ubezpieczenia-po-zakonczeniu-pobytu\/#primaryimage","url":"https:\/\/insurancevisa.com\/wp-content\/uploads\/2026\/03\/foto-2.webp","contentUrl":"https:\/\/insurancevisa.com\/wp-content\/uploads\/2026\/03\/foto-2.webp","width":2528,"height":1696,"caption":"Zwrot koszt\u00f3w ubezpieczenia po zako\u0144czeniu pobytu"},{"@type":"BreadcrumbList","@id":"https:\/\/insurancevisa.com\/vi\/poradnik\/ubezpieczenie-wymagane-do-wizy-i-karty-pobytu\/zwrot-kosztow-ubezpieczenia-po-zakonczeniu-pobytu\/#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 zako\u0144czeniu pobytu"}]},{"@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":55,"label":"cudzoziemcy w Polsce"},{"value":52,"label":"koszt ubezpieczenia"},{"value":63,"label":"OWU"},{"value":58,"label":"ubezpieczenie dla cudzoziemca"},{"value":54,"label":"ubezpieczenie zdrowotne"}]},"featured_image_src_large":["https:\/\/insurancevisa.com\/wp-content\/uploads\/2026\/03\/foto-2-1024x687.webp",1024,687,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":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"},{"term_id":54,"name":"ubezpieczenie zdrowotne","slug":"ubezpieczenie-zdrowotne","term_group":0,"term_taxonomy_id":54,"taxonomy":"post_tag","description":"","parent":0,"count":75,"filter":"raw"}],"_links":{"self":[{"href":"https:\/\/insurancevisa.com\/vi\/wp-json\/wp\/v2\/posts\/3623","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=3623"}],"version-history":[{"count":1,"href":"https:\/\/insurancevisa.com\/vi\/wp-json\/wp\/v2\/posts\/3623\/revisions"}],"predecessor-version":[{"id":3624,"href":"https:\/\/insurancevisa.com\/vi\/wp-json\/wp\/v2\/posts\/3623\/revisions\/3624"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/insurancevisa.com\/vi\/wp-json\/wp\/v2\/media\/3622"}],"wp:attachment":[{"href":"https:\/\/insurancevisa.com\/vi\/wp-json\/wp\/v2\/media?parent=3623"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/insurancevisa.com\/vi\/wp-json\/wp\/v2\/categories?post=3623"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/insurancevisa.com\/vi\/wp-json\/wp\/v2\/tags?post=3623"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}