{"id":3721,"date":"2026-05-26T13:27:53","date_gmt":"2026-05-26T11:27:53","guid":{"rendered":"https:\/\/insurancevisa.com\/nieskategoryzowane\/zwrot-kosztow-polisy-po-wyjezdzie-co-wiesz\/"},"modified":"2026-09-30T04:20:59","modified_gmt":"2026-09-30T02:20:59","slug":"hoan-tra-phi-bao-hiem-sau-khi-roi-di-ban-biet-gi-ve-dieu-nay","status":"publish","type":"post","link":"https:\/\/insurancevisa.com\/vi\/poradnik\/ubezpieczenie-wymagane-do-wizy-i-karty-pobytu\/zwrot-kosztow-polisy-po-wyjezdzie-co-wiesz\/","title":{"rendered":"Ho\u00e0n tr\u1ea3 ph\u00ed b\u1ea3o hi\u1ec3m sau khi r\u1eddi \u0111i \u2013 b\u1ea1n \u0111\u00e3 bi\u1ebft g\u00ec ch\u01b0a?"},"content":{"rendered":"<div class=\"wp-block-kadence-advancedtext\">\n<p><strong>Ho\u00e0n tr\u1ea3 ph\u00ed b\u1ea3o hi\u1ec3m<\/strong> \u0111\u00f3 l\u00e0 kh\u1ea3 n\u0103ng \u0111\u01b0\u1ee3c ho\u00e0n l\u1ea1i m\u1ed9t ph\u1ea7n ti\u1ec1n cho th\u1eddi gian b\u1ea3o hi\u1ec3m ch\u01b0a s\u1eed d\u1ee5ng trong tr\u01b0\u1eddng h\u1ee3p k\u1ebft th\u00fac th\u1eddi gian l\u01b0u tr\u00fa s\u1edbm ho\u1eb7c ch\u1ea5m d\u1ee9t h\u1ee3p \u0111\u1ed3ng. Tr\u00ean th\u1ef1c t\u1ebf <strong>ho\u00e0n tr\u1ea3 ph\u00ed b\u1ea3o hi\u1ec3m sau khi k\u1ebft th\u00fac chuy\u1ebfn \u0111i<\/strong> \u0110i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 x\u1ea3y ra, nh\u01b0ng ph\u1ee5 thu\u1ed9c v\u00e0o c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee5 th\u1ec3 c\u1ee7a h\u1ee3p \u0111\u1ed3ng, ng\u00e0y h\u1ebft h\u1ea1n b\u1ea3o hi\u1ec3m v\u00e0 vi\u1ec7c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u00e3 ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m b\u1ed3i th\u01b0\u1eddng theo h\u1ee3p \u0111\u1ed3ng hay ch\u01b0a. Trong b\u00e0i vi\u1ebft n\u00e0y, ch\u00fang t\u00f4i s\u1ebd gi\u1ea3i th\u00edch khi n\u00e0o b\u1ea1n c\u00f3 th\u1ec3 y\u00eau c\u1ea7u ho\u00e0n ti\u1ec1n ph\u00ed b\u1ea3o hi\u1ec3m, s\u1ef1 kh\u00e1c bi\u1ec7t gi\u1eefa vi\u1ec7c h\u1ee7y h\u1ee3p \u0111\u1ed3ng v\u00e0 vi\u1ec7c ch\u1ea5m d\u1ee9t h\u1ee3p \u0111\u1ed3ng, c\u0169ng nh\u01b0 nh\u1eefng gi\u1ea5y t\u1edd th\u01b0\u1eddng c\u1ea7n chu\u1ea9n b\u1ecb.<\/p>\n<\/div>\n<nav class=\"wp-block-kadence-infobox has-theme-palette-8-background-color has-background\" aria-label=\"M\u1ee5c l\u1ee5c\">\n<div class=\"kt-blocks-info-box-link-wrap\">\n<div class=\"kt-infobox-textcontent\">\n<h4 class=\"kt-blocks-info-box-title\">M\u1ee5c l\u1ee5c<\/h4>\n<ol>\n<li><a href=\"#czym-jest-zwrot\">Ho\u00e0n tr\u1ea3 ph\u00ed b\u1ea3o hi\u1ec3m sau khi k\u1ebft th\u00fac chuy\u1ebfn \u0111i l\u00e0 g\u00ec?<\/a><\/li>\n<li><a href=\"#kiedy-mozliwy-zwrot\">Khi n\u00e0o c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c ho\u00e0n l\u1ea1i ph\u00ed b\u1ea3o hi\u1ec3m?<\/a><\/li>\n<li><a href=\"#jak-zlozyc-wniosek\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 n\u1ed9p \u0111\u01a1n xin ho\u00e0n ti\u1ec1n?<\/a><\/li>\n<li><a href=\"#na-co-uwazac\">C\u1ea7n l\u01b0u \u00fd \u0111i\u1ec1u g\u00ec?<\/a><\/li>\n<li><a href=\"#faq\">C\u00e1c c\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p<\/a><\/li>\n<li><a href=\"#podsumowanie\">T\u00f3m t\u1eaft<\/a><\/li>\n<\/ol>\n<\/div>\n<\/div>\n<\/nav>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"czym-jest-zwrot\" class=\"kt-adv-heading\">Ho\u00e0n tr\u1ea3 ph\u00ed b\u1ea3o hi\u1ec3m sau khi k\u1ebft th\u00fac chuy\u1ebfn \u0111i l\u00e0 g\u00ec?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Ho\u00e0n tr\u1ea3 ph\u00ed b\u1ea3o hi\u1ec3m sau khi r\u1eddi \u0111i l\u00e0 vi\u1ec7c ho\u00e0n l\u1ea1i m\u1ed9t ph\u1ea7n ph\u00ed b\u1ea3o hi\u1ec3m cho kho\u1ea3ng th\u1eddi gian m\u00e0 b\u1ea3o hi\u1ec3m kh\u00f4ng c\u00f2n c\u1ea7n thi\u1ebft ho\u1eb7c kh\u00f4ng \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng sau khi h\u1ee3p \u0111\u1ed3ng ch\u1ea5m d\u1ee9t. Th\u00f4ng th\u01b0\u1eddng, \u0111i\u1ec1u n\u00e0y \u00e1p d\u1ee5ng trong tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i k\u1ebft th\u00fac th\u1eddi gian l\u01b0u tr\u00fa t\u1ea1i Ba Lan s\u1edbm h\u01a1n d\u1ef1 ki\u1ebfn, tr\u1edf v\u1ec1 qu\u1ed1c gia th\u01b0\u1eddng tr\u00fa ho\u1eb7c thay \u0111\u1ed5i c\u01a1 s\u1edf b\u1ea3o hi\u1ec3m.<\/p>\n<p>T\u1eeb g\u00f3c \u0111\u1ed9 th\u1ef1c ti\u1ec5n b\u1ea3o hi\u1ec3m, \u0111i\u1ec1u quan tr\u1ecdng nh\u1ea5t l\u00e0 ph\u1ea3i ph\u00e2n bi\u1ec7t r\u00f5 gi\u1eefa th\u1eddi \u0111i\u1ec3m k\u1ebft th\u00fac k\u1ef3 l\u01b0u tr\u00fa v\u00e0 th\u1eddi \u0111i\u1ec3m ch\u1ea5m d\u1ee9t h\u1ee3p \u0111\u1ed3ng. Vi\u1ec7c r\u1eddi \u0111i kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o c\u0169ng \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd ho\u00e0n ti\u1ec1n. Trong nhi\u1ec1u \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU), c\u00f3 quy \u0111\u1ecbnh r\u1eb1ng ph\u00ed b\u1ea3o hi\u1ec3m cho th\u1eddi gian ch\u01b0a s\u1eed d\u1ee5ng c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c ho\u00e0n l\u1ea1i theo t\u1ef7 l\u1ec7 t\u01b0\u01a1ng \u1ee9ng, nh\u01b0ng ch\u1ec9 sau khi h\u1ee3p \u0111\u1ed3ng \u0111\u00e3 \u0111\u01b0\u1ee3c ch\u1ea5m d\u1ee9t h\u1ee3p l\u1ec7 v\u00e0 t\u00ednh \u0111\u1ebfn nh\u1eefng ng\u00e0y m\u00e0 b\u1ea3o hi\u1ec3m \u0111\u00e3 c\u00f3 hi\u1ec7u l\u1ef1c.<\/p>\n<p>C\u0169ng c\u1ea7n l\u01b0u \u00fd r\u1eb1ng h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m mua \u0111\u1ec3 xin th\u1ecb th\u1ef1c ho\u1eb7c th\u1ebb c\u01b0 tr\u00fa ch\u1ec9 mang t\u00ednh ch\u1ea5t th\u1ee7 t\u1ee5c. Do \u0111\u00f3, tr\u01b0\u1edbc khi n\u1ed9p \u0111\u01a1n, b\u1ea1n n\u00ean ki\u1ec3m tra k\u1ef9 xem vi\u1ec7c ch\u1ea5m d\u1ee9t h\u1ee3p \u0111\u1ed3ng s\u1edbm c\u00f3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn t\u00ednh h\u1ee3p ph\u00e1p c\u1ee7a vi\u1ec7c c\u01b0 tr\u00fa, vi\u1ec7c duy tr\u00ec b\u1ea3o hi\u1ec3m hay c\u00e1c th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh ti\u1ebfp theo hay kh\u00f4ng. C\u00e1c b\u00e0i vi\u1ebft trong m\u1ee5c <a href=\"https:\/\/insurancevisa.com\/vi\/huong-dan\/bao-hiem-can-thiet-cho-visa-va-the-cu-tru\/\">B\u1ea3o hi\u1ec3m cho th\u1ecb th\u1ef1c v\u00e0 th\u1ebb c\u01b0 tr\u00fa<\/a>.<\/p>\n<\/div>\n<div class=\"wp-block-kadence-infobox has-theme-palette-8-background-color has-background\">\n<div class=\"kt-blocks-info-box-link-wrap\">\n<div class=\"kt-infobox-textcontent\">\n<h4 class=\"kt-blocks-info-box-title\">\ud83d\udca1 L\u1eddi khuy\u00ean quan tr\u1ecdng<\/h4>\n<p class=\"kt-blocks-info-box-text\">Vi\u1ec7c ho\u00e0n ti\u1ec1n b\u1ea3o hi\u1ec3m th\u01b0\u1eddng ch\u1ec9 \u00e1p d\u1ee5ng cho th\u1eddi gian b\u1ea3o hi\u1ec3m ch\u01b0a s\u1eed d\u1ee5ng. C\u00f4ng ty b\u1ea3o hi\u1ec3m th\u01b0\u1eddng kh\u1ea5u tr\u1eeb m\u1ed9t ph\u1ea7n ph\u00ed b\u1ea3o hi\u1ec3m t\u01b0\u01a1ng \u1ee9ng v\u1edbi s\u1ed1 ng\u00e0y m\u00e0 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u00e3 c\u00f3 hi\u1ec7u l\u1ef1c.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"kiedy-mozliwy-zwrot\" class=\"kt-adv-heading\">Khi n\u00e0o c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c ho\u00e0n l\u1ea1i ph\u00ed b\u1ea3o hi\u1ec3m?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>C\u00e2u tr\u1ea3 l\u1eddi cho c\u00e2u h\u1ecfi li\u1ec7u c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c ho\u00e0n l\u1ea1i ph\u00ed b\u1ea3o hi\u1ec3m hay kh\u00f4ng th\u01b0\u1eddng l\u00e0: c\u00f3, nh\u01b0ng kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o c\u0169ng \u0111\u01b0\u1ee3c ho\u00e0n l\u1ea1i to\u00e0n b\u1ed9 s\u1ed1 ti\u1ec1n. Theo c\u00e1c \u0111i\u1ec1u kho\u1ea3n trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, khi h\u1ee7y b\u1ecf ho\u1eb7c ch\u1ea5m d\u1ee9t h\u1ee3p \u0111\u1ed3ng, ph\u00ed b\u1ea3o hi\u1ec3m cho th\u1eddi gian b\u1ea3o hi\u1ec3m ch\u01b0a s\u1eed d\u1ee5ng c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c ho\u00e0n l\u1ea1i theo t\u1ef7 l\u1ec7 t\u01b0\u01a1ng \u1ee9ng. Tuy nhi\u00ean, m\u1ed7i ng\u00e0y b\u1ea3o hi\u1ec3m \u0111\u00e3 b\u1eaft \u0111\u1ea7u th\u01b0\u1eddng \u0111\u01b0\u1ee3c t\u00ednh l\u00e0 m\u1ed9t ng\u00e0y \u0111\u1ea7y \u0111\u1ee7.<\/p>\n<p>M\u1ed9t y\u1ebfu t\u1ed1 quan tr\u1ecdng kh\u00e1c l\u00e0 li\u1ec7u tr\u01b0\u1edbc khi ch\u1ea5m d\u1ee9t h\u1ee3p \u0111\u1ed3ng, quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m \u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng h\u1ebft hay ch\u01b0a, v\u00ed d\u1ee5 nh\u01b0 \u0111\u00e3 s\u1eed d\u1ee5ng h\u1ebft s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m ho\u1eb7c gi\u1edbi h\u1ea1n quy\u1ec1n l\u1ee3i. Trong tr\u01b0\u1eddng h\u1ee3p \u0111\u00f3, qu\u00fd kh\u00e1ch c\u00f3 th\u1ec3 kh\u00f4ng \u0111\u01b0\u1ee3c ho\u00e0n ti\u1ec1n. \u0110\u1ed1i v\u1edbi m\u1ed9t s\u1ed1 s\u1ea3n ph\u1ea9m, quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m c\u0169ng s\u1ebd t\u1ef1 \u0111\u1ed9ng ch\u1ea5m d\u1ee9t khi qu\u00fd kh\u00e1ch tr\u1edf v\u1ec1 qu\u1ed1c gia th\u01b0\u1eddng tr\u00fa ho\u1eb7c khi h\u1ebft th\u1eddi h\u1ea1n quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng.<\/p>\n<p>Vi\u1ec7c h\u1ee7y b\u1ea3o hi\u1ec3m sau khi \u0111\u00e3 tham gia c\u00f3 th\u1ec3 kh\u00e1c v\u1edbi vi\u1ec7c h\u1ee7y h\u1ee3p \u0111\u1ed3ng \u0111\u01b0\u1ee3c k\u00fd k\u1ebft t\u1eeb xa. Vi\u1ec7c h\u1ee7y h\u1ee3p \u0111\u1ed3ng th\u01b0\u1eddng c\u00f3 hi\u1ec7u l\u1ef1c trong th\u1eddi h\u1ea1n theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt ho\u1eb7c theo th\u1ecfa thu\u1eadn, trong khi vi\u1ec7c ch\u1ea5m d\u1ee9t h\u1ee3p \u0111\u1ed3ng ch\u1ec9 c\u00f3 hi\u1ec7u l\u1ef1c trong t\u01b0\u01a1ng lai. N\u1ebfu b\u1ea1n mu\u1ed1n hi\u1ec3u r\u00f5 s\u1ef1 kh\u00e1c bi\u1ec7t gi\u1eefa c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m, h\u00e3y tham kh\u1ea3o th\u00eam h\u01b0\u1edbng d\u1eabn v\u1ec1 <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>.<\/p>\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>Ho\u00e0n tr\u1ea3 m\u1ed9t ph\u1ea7n ph\u00ed b\u1ea3o hi\u1ec3m:<\/strong> th\u01b0\u1eddng \u00e1p d\u1ee5ng cho th\u1eddi gian b\u1ea3o hi\u1ec3m c\u00f2n l\u1ea1i ch\u01b0a s\u1eed d\u1ee5ng.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Ph\u00e2n b\u1ed5 theo t\u1ef7 l\u1ec7:<\/strong> C\u00f4ng ty b\u1ea3o hi\u1ec3m t\u00ednh ph\u00ed b\u1ea3o hi\u1ec3m d\u1ef1a tr\u00ean s\u1ed1 ng\u00e0y \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Thi\u1ebfu t\u00ednh t\u1ef1 \u0111\u1ed9ng:<\/strong> Vi\u1ec7c t\u1ef1 m\u00ecnh \u0111i du l\u1ecbch kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o c\u0169ng d\u1eabn \u0111\u1ebfn vi\u1ec7c ch\u1ea5m d\u1ee9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m m\u00e0 kh\u00f4ng c\u1ea7n n\u1ed9p \u0111\u01a1n.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>\u00dd ngh\u0129a c\u1ee7a \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung:<\/strong> ph\u1ee5 thu\u1ed9c v\u00e0o c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee5 th\u1ec3 c\u1ee7a h\u1ee3p \u0111\u1ed3ng v\u00e0 s\u1ea3n ph\u1ea9m.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>C\u00e1c h\u1ea1n ch\u1ebf c\u00f3 th\u1ec3 x\u1ea3y ra:<\/strong> Ch\u00ednh s\u00e1ch \u0111\u1ed5i tr\u1ea3 c\u00f3 th\u1ec3 kh\u00f4ng c\u00f2n \u00e1p d\u1ee5ng sau khi \u0111\u00e3 s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 b\u1ea3o h\u00e0nh.<\/span><\/li>\n<\/ul>\n<\/div>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"jak-zlozyc-wniosek\" class=\"kt-adv-heading\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 n\u1ed9p \u0111\u01a1n xin ho\u00e0n ti\u1ec1n?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>N\u1ebfu b\u1ea1n quan t\u00e2m \u0111\u1ebfn vi\u1ec7c ho\u00e0n ti\u1ec1n b\u1ea3o hi\u1ec3m, h\u00e3y b\u1eaft \u0111\u1ea7u b\u1eb1ng vi\u1ec7c ki\u1ec3m tra \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU), h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1ch li\u00ean h\u1ec7 v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m. Trong nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p, b\u1ea1n c\u1ea7n g\u1eedi m\u1ed9t tuy\u00ean b\u1ed1 b\u1eb1ng v\u0103n b\u1ea3n v\u1ec1 vi\u1ec7c h\u1ee7y b\u1ecf ho\u1eb7c ch\u1ea5m d\u1ee9t h\u1ee3p \u0111\u1ed3ng, qua email ho\u1eb7c qua bi\u1ec3u m\u1eabu tr\u1ef1c tuy\u1ebfn. N\u00ean ghi r\u00f5 s\u1ed1 h\u1ee3p \u0111\u1ed3ng, th\u00f4ng tin c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, ng\u00e0y kh\u1edfi h\u00e0nh v\u00e0 l\u00fd do ch\u1ea5m d\u1ee9t b\u1ea3o hi\u1ec3m.<\/p>\n<p>Th\u01b0\u1eddng th\u00ec b\u1ea1n n\u00ean \u0111\u00ednh k\u00e8m v\u00e0o \u0111\u01a1n xin m\u1ed9t t\u00e0i li\u1ec7u x\u00e1c nh\u1eadn vi\u1ec7c \u0111\u00e3 r\u1eddi \u0111i tr\u01b0\u1edbc \u0111\u00f3 ho\u1eb7c k\u1ebft th\u00fac th\u1eddi gian l\u01b0u tr\u00fa. \u0110\u00f3 c\u00f3 th\u1ec3 l\u00e0 v\u00e9 m\u00e1y bay, gi\u1ea5y x\u00e1c nh\u1eadn qua bi\u00ean gi\u1edbi, quy\u1ebft \u0111\u1ecbnh h\u00e0nh ch\u00ednh ho\u1eb7c b\u1eb1ng ch\u1ee9ng kh\u00e1c t\u00f9y theo t\u1eebng tr\u01b0\u1eddng h\u1ee3p c\u1ee5 th\u1ec3. B\u1ea1n m\u00f4 t\u1ea3 s\u1ef1 vi\u1ec7c c\u00e0ng chi ti\u1ebft, c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00e0ng d\u1ec5 d\u00e0ng x\u00e1c \u0111\u1ecbnh ng\u00e0y k\u1ebft th\u00fac b\u1ea3o hi\u1ec3m v\u00e0 s\u1ed1 ti\u1ec1n b\u1ed3i th\u01b0\u1eddng ph\u1ea3i tr\u1ea3.<\/p>\n<p>N\u1ebfu b\u1ea1n c\u00f3 k\u1ebf ho\u1ea1ch mua m\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m m\u1edbi sau k\u1ef3 ngh\u1ec9, \u0111\u1eebng \u0111\u1ec3 x\u1ea3y ra kho\u1ea3ng tr\u1ed1ng trong th\u1eddi gian \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m. Tr\u00ean trang web, b\u1ea1n c\u0169ng s\u1ebd t\u00ecm th\u1ea5y c\u00e1c t\u00e0i li\u1ec7u v\u1ec1 <a href=\"https:\/\/insurancevisa.com\/vi\/huong-dan\/bao-hiem-tu-nhan-cho-nguoi-nuoc-ngoai\/xep-hang-cac-cong-ty-bao-hiem-y-te-tu-nhan-tai-ba-lan-nam-2025\/\">b\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n t\u1ea1i Ba Lan<\/a> v\u00e0 v\u1ec1 \u0111i\u1ec1u \u0111\u00f3, <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\/\">C\u00f3 th\u1ec3 thay \u0111\u1ed5i b\u1ea3o hi\u1ec3m kh\u00f4ng?<\/a> m\u00e0 kh\u00f4ng lo b\u1ecb gi\u00e1n \u0111o\u1ea1n.<\/p>\n<h3>Th\u00f4ng th\u01b0\u1eddng c\u1ea7n cung c\u1ea5p nh\u1eefng th\u00f4ng tin n\u00e0o?<\/h3>\n<p>Th\u00f4ng th\u01b0\u1eddng, c\u00e1c th\u00f4ng tin c\u1ea7n thi\u1ebft bao g\u1ed3m: s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, h\u1ecd v\u00e0 t\u00ean, ng\u00e0y k\u00fd h\u1ee3p \u0111\u1ed3ng, ng\u00e0y d\u1ef1 ki\u1ebfn k\u1ebft th\u00fac th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m, s\u1ed1 t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng v\u00e0 m\u00f4 t\u1ea3 ng\u1eafn g\u1ecdn v\u1ec1 l\u00fd do. B\u1ea1n c\u0169ng n\u00ean y\u00eau c\u1ea7u x\u00e1c nh\u1eadn b\u1eb1ng v\u0103n b\u1ea3n v\u1ec1 vi\u1ec7c \u0111\u00e3 nh\u1eadn \u0111\u01b0\u1ee3c \u0111\u01a1n y\u00eau c\u1ea7u.<\/p>\n<\/div>\n<div class=\"wp-block-kadence-infobox has-theme-palette-8-background-color has-background\">\n<div class=\"kt-blocks-info-box-link-wrap\">\n<div class=\"kt-infobox-textcontent\">\n<h4 class=\"kt-blocks-info-box-title\">\ud83d\udca1 L\u1eddi khuy\u00ean h\u1eefu \u00edch<\/h4>\n<p class=\"kt-blocks-info-box-text\">Tr\u01b0\u1edbc khi g\u1eedi \u0111\u01a1n, h\u00e3y ki\u1ec3m tra xem c\u00f4ng ty b\u1ea3o hi\u1ec3m y\u00eau c\u1ea7u b\u1ea1n r\u00fat kh\u1ecfi h\u1ee3p \u0111\u1ed3ng, ch\u1ea5m d\u1ee9t h\u1ee3p \u0111\u1ed3ng hay n\u1ed9p \u0111\u01a1n y\u00eau c\u1ea7u ch\u1ea5m d\u1ee9t h\u1ee3p \u0111\u1ed3ng. C\u00e1c kh\u00e1i ni\u1ec7m n\u00e0y kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o c\u0169ng c\u00f3 c\u00f9ng \u00fd ngh\u0129a v\u00e0 c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn c\u00e1c h\u1eadu qu\u1ea3 ph\u00e1p l\u00fd kh\u00e1c nhau.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"na-co-uwazac\" class=\"kt-adv-heading\">C\u1ea7n l\u01b0u \u00fd \u0111i\u1ec1u g\u00ec?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Vi\u1ec7c k\u1ebft th\u00fac th\u1eddi gian l\u01b0u tr\u00fa v\u00e0 b\u1ea3o hi\u1ec3m l\u00e0 m\u1ed9t ch\u1ee7 \u0111\u1ec1 m\u00e0 sai l\u1ea7m ph\u1ed5 bi\u1ebfn nh\u1ea5t l\u00e0 cho r\u1eb1ng vi\u1ec7c r\u1eddi \u0111i s\u1ebd t\u1ef1 \u0111\u1ed9ng d\u1eabn \u0111\u1ebfn vi\u1ec7c ho\u00e0n l\u1ea1i ph\u00ed b\u1ea3o hi\u1ec3m. Tuy nhi\u00ean, ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 k\u00e9o d\u00e0i \u0111\u1ebfn h\u1ebft th\u1eddi h\u1ea1n ghi trong h\u1ee3p \u0111\u1ed3ng, tr\u1eeb khi h\u1ee3p \u0111\u1ed3ng quy \u0111\u1ecbnh vi\u1ec7c ch\u1ea5m d\u1ee9t s\u1edbm ho\u1eb7c b\u1ea1n n\u1ed9p \u0111\u01a1n y\u00eau c\u1ea7u ch\u1ea5m d\u1ee9t c\u00f3 hi\u1ec7u l\u1ef1c. Lu\u00f4n c\u1ea7n ki\u1ec3m tra r\u00f5 th\u1eddi gian b\u1eaft \u0111\u1ea7u v\u00e0 k\u1ebft th\u00fac tr\u00e1ch nhi\u1ec7m c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m.<\/p>\n<p>R\u1ee7i ro quan tr\u1ecdng th\u1ee9 hai l\u00e0 vi\u1ec7c gi\u00e1n \u0111o\u1ea1n th\u1eddi gian b\u1ea3o hi\u1ec3m. N\u1ebfu sau khi k\u1ebft th\u00fac m\u1ed9t \u0111\u1ee3t l\u01b0u tr\u00fa, b\u1ea1n c\u00f3 k\u1ebf ho\u1ea1ch nh\u1eadp c\u1ea3nh l\u1ea7n n\u1eefa, n\u1ed9p \u0111\u01a1n xin th\u1ecb th\u1ef1c m\u1edbi ho\u1eb7c xin gi\u1ea5y ph\u00e9p c\u01b0 tr\u00fa t\u1ea1m th\u1eddi, vi\u1ec7c kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m c\u00f2n hi\u1ec7u l\u1ef1c c\u00f3 th\u1ec3 khi\u1ebfn c\u00e1c th\u1ee7 t\u1ee5c tr\u1edf n\u00ean ph\u1ee9c t\u1ea1p. Do \u0111\u00f3, khi quy\u1ebft \u0111\u1ecbnh ch\u1ea5m d\u1ee9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u0169, b\u1ea1n n\u00ean c\u00e2n nh\u1eafc xem li\u1ec7u m\u00ecnh c\u00f3 c\u1ea7n mua ngay m\u1ed9t s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m m\u1edbi hay kh\u00f4ng.<\/p>\n<p>C\u0169ng c\u1ea7n ph\u00e2n bi\u1ec7t r\u00f5 gi\u1eefa vi\u1ec7c ho\u00e0n tr\u1ea3 ph\u00ed b\u1ea3o hi\u1ec3m v\u00e0 vi\u1ec7c ho\u00e0n tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb. \u0110\u00e2y l\u00e0 hai v\u1ea5n \u0111\u1ec1 kh\u00e1c nhau. Ph\u00ed b\u1ea3o hi\u1ec3m l\u00e0 kho\u1ea3n chi ph\u00ed \u0111\u1ec3 \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, c\u00f2n chi ph\u00ed \u0111i\u1ec1u tr\u1ecb l\u00e0 kho\u1ea3n chi tr\u1ea3 theo h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m. N\u1ebfu b\u1ea1n c\u00f2n th\u1eafc m\u1eafc v\u1ec1 ph\u1ea1m vi b\u1ea3o hi\u1ec3m, 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>.<\/p>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"faq\" class=\"kt-adv-heading\">C\u00e1c c\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<h3>C\u00f3 ph\u1ea3i lu\u00f4n lu\u00f4n \u0111\u01b0\u1ee3c ho\u00e0n l\u1ea1i ph\u00ed b\u1ea3o hi\u1ec3m sau khi k\u1ebft th\u00fac chuy\u1ebfn \u0111i kh\u00f4ng?<\/h3>\n<p>Kh\u00f4ng, vi\u1ec7c ho\u00e0n ti\u1ec1n kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o c\u0169ng di\u1ec5n ra t\u1ef1 \u0111\u1ed9ng. Th\u00f4ng th\u01b0\u1eddng, \u0111i\u1ec1u n\u00e0y ph\u1ee5 thu\u1ed9c v\u00e0o \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung (OWU), h\u00ecnh th\u1ee9c ch\u1ea5m d\u1ee9t h\u1ee3p \u0111\u1ed3ng v\u00e0 vi\u1ec7c c\u00f2n l\u1ea1i th\u1eddi gian b\u1ea3o hi\u1ec3m ch\u01b0a s\u1eed d\u1ee5ng hay kh\u00f4ng. C\u00f4ng ty b\u1ea3o hi\u1ec3m th\u01b0\u1eddng ch\u1ec9 ho\u00e0n l\u1ea1i m\u1ed9t ph\u1ea7n ph\u00ed b\u1ea3o hi\u1ec3m t\u01b0\u01a1ng \u1ee9ng v\u1edbi th\u1eddi gian ch\u01b0a s\u1eed d\u1ee5ng.<\/p>\n<h3>C\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c ho\u00e0n l\u1ea1i ti\u1ec1n b\u1ea3o hi\u1ec3m sau khi tr\u1edf v\u1ec1 n\u01b0\u1edbc kh\u00f4ng?<\/h3>\n<p>\u0110\u00fang v\u1eady, \u0111i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 x\u1ea3y ra n\u1ebfu h\u1ee3p \u0111\u1ed3ng \u0111\u00e3 \u0111\u01b0\u1ee3c ch\u1ea5m d\u1ee9t h\u1ee3p l\u1ec7 ho\u1eb7c h\u1ebft hi\u1ec7u l\u1ef1c s\u1edbm h\u01a1n so v\u1edbi k\u1ebf ho\u1ea1ch ban \u0111\u1ea7u. Tr\u00ean th\u1ef1c t\u1ebf, b\u1ea1n c\u1ea7n n\u1ed9p \u0111\u01a1n v\u00e0 cung c\u1ea5p ng\u00e0y k\u1ebft th\u00fac th\u1eddi gian l\u01b0u tr\u00fa ho\u1eb7c ng\u00e0y tr\u1edf v\u1ec1. C\u00e1c chi ti\u1ebft c\u1ee5 th\u1ec3 ph\u1ee5 thu\u1ed9c v\u00e0o \u0111i\u1ec1u kho\u1ea3n c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.<\/p>\n<h3>L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 h\u1ee7y b\u1ea3o hi\u1ec3m sau khi k\u1ebft th\u00fac k\u1ef3 l\u01b0u tr\u00fa?<\/h3>\n<p>Th\u00f4ng th\u01b0\u1eddng, b\u1ea1n c\u1ea7n n\u1ed9p v\u0103n b\u1ea3n th\u00f4ng b\u00e1o ch\u1ea5m d\u1ee9t h\u1ee3p \u0111\u1ed3ng ho\u1eb7c r\u00fat kh\u1ecfi h\u1ee3p \u0111\u1ed3ng. C\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 y\u00eau c\u1ea7u s\u1ed1 h\u1ee3p \u0111\u1ed3ng, th\u00f4ng tin kh\u00e1ch h\u00e0ng v\u00e0 gi\u1ea5y t\u1edd x\u00e1c nh\u1eadn vi\u1ec7c \u0111i du l\u1ecbch. B\u1ea1n n\u00ean gi\u1eef l\u1ea1i bi\u00ean nh\u1eadn g\u1eedi th\u01b0 v\u00e0 th\u01b0 tr\u1ea3 l\u1eddi c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m.<\/p>\n<h3>Vi\u1ec7c ho\u00e0n ti\u1ec1n b\u1ea3o hi\u1ec3m c\u00f3 ngh\u0129a l\u00e0 \u0111\u01b0\u1ee3c ho\u00e0n l\u1ea1i to\u00e0n b\u1ed9 ph\u00ed b\u1ea3o hi\u1ec3m kh\u00f4ng?<\/h3>\n<p>Th\u00f4ng th\u01b0\u1eddng th\u00ec kh\u00f4ng. Ph\u1ea7n l\u1edbn c\u00e1c tr\u01b0\u1eddng h\u1ee3p, ng\u01b0\u1eddi mua s\u1ebd \u0111\u01b0\u1ee3c ho\u00e0n l\u1ea1i m\u1ed9t ph\u1ea7n ph\u00ed b\u1ea3o hi\u1ec3m t\u01b0\u01a1ng \u1ee9ng v\u1edbi th\u1eddi gian b\u1ea3o hi\u1ec3m ch\u01b0a s\u1eed d\u1ee5ng, trong khi nh\u1eefng ng\u00e0y \u0111\u00e3 b\u1eaft \u0111\u1ea7u c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c t\u00ednh l\u00e0 \u0111\u1ea7y \u0111\u1ee7. Vi\u1ec7c ho\u00e0n l\u1ea1i to\u00e0n b\u1ed9 ph\u00ed b\u1ea3o hi\u1ec3m \u00edt x\u1ea3y ra h\u01a1n v\u00e0 th\u01b0\u1eddng \u0111\u00f2i h\u1ecfi ph\u1ea3i \u0111\u00e1p \u1ee9ng c\u00e1c \u0111i\u1ec1u ki\u1ec7n c\u1ee5 th\u1ec3.<\/p>\n<h3>C\u1ea7n nh\u1eefng gi\u1ea5y t\u1edd n\u00e0o \u0111\u1ec3 \u0111\u01b0\u1ee3c ho\u00e0n ti\u1ec1n?<\/h3>\n<p>Th\u00f4ng th\u01b0\u1eddng, b\u1ea1n c\u1ea7n cung c\u1ea5p s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, \u0111\u01a1n y\u00eau c\u1ea7u ho\u1eb7c b\u1ea3n cam k\u1ebft, th\u00f4ng tin t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng v\u00e0 gi\u1ea5y t\u1edd x\u00e1c nh\u1eadn vi\u1ec7c xu\u1ea5t c\u1ea3nh ho\u1eb7c k\u1ebft th\u00fac th\u1eddi gian l\u01b0u tr\u00fa. M\u1ed9t s\u1ed1 c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f2n y\u00eau c\u1ea7u b\u1ea3n sao h\u1ed9 chi\u1ebfu ho\u1eb7c quy\u1ebft \u0111\u1ecbnh h\u00e0nh ch\u00ednh.<\/p>\n<h3>Vi\u1ec7c k\u1ebft th\u00fac th\u1eddi gian l\u01b0u tr\u00fa c\u00f3 t\u1ef1 \u0111\u1ed9ng ch\u1ea5m d\u1ee9t b\u1ea3o hi\u1ec3m kh\u00f4ng?<\/h3>\n<p>Kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o c\u0169ng v\u1eady. \u0110\u1ed1i v\u1edbi m\u1ed9t s\u1ed1 s\u1ea3n ph\u1ea9m, ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 h\u1ebft hi\u1ec7u l\u1ef1c sau khi qu\u00fd kh\u00e1ch tr\u1edf v\u1ec1 qu\u1ed1c gia th\u01b0\u1eddng tr\u00fa, nh\u01b0ng \u0111\u1ed1i v\u1edbi nh\u1eefng s\u1ea3n ph\u1ea9m kh\u00e1c, ph\u1ea1m vi b\u1ea3o hi\u1ec3m v\u1eabn c\u00f3 hi\u1ec7u l\u1ef1c cho \u0111\u1ebfn h\u1ebft th\u1eddi h\u1ea1n \u0111\u01b0\u1ee3c n\u00eau trong h\u1ee3p \u0111\u1ed3ng. Do \u0111\u00f3, tr\u01b0\u1edbc khi th\u1ef1c hi\u1ec7n b\u1ea5t k\u1ef3 h\u00e0nh \u0111\u1ed9ng n\u00e0o, qu\u00fd kh\u00e1ch n\u00ean \u0111\u1ecdc k\u1ef9 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung (OWU) v\u00e0 li\u00ean h\u1ec7 v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ec3 x\u00e1c nh\u1eadn ng\u00e0y h\u1ebft h\u1ea1n ch\u00ednh x\u00e1c c\u1ee7a ph\u1ea1m vi b\u1ea3o hi\u1ec3m.<\/p>\n<h3>N\u00ean tra c\u1ee9u \u1edf \u0111\u00e2u \u0111\u1ec3 bi\u1ebft n\u00ean ch\u1ecdn lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0o sau khi t\u00ecnh h\u00ecnh thay \u0111\u1ed5i?<\/h3>\n<p>T\u1ed1t nh\u1ea5t l\u00e0 b\u1ea1n n\u00ean so s\u00e1nh c\u00e1c y\u00eau c\u1ea7u hi\u1ec7n t\u1ea1i v\u00e0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m tr\u01b0\u1edbc khi mua h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m m\u1edbi. C\u00e1c t\u00e0i li\u1ec7u c\u00f3 s\u1eb5n trong m\u1ee5c <a href=\"https:\/\/insurancevisa.com\/vi\/huong-dan\/cac-cau-hoi-va-van-de-thuong-gap-cua-nguoi-nuoc-ngoai\/\">c\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p nh\u1ea5t c\u1ee7a ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i<\/a>, trong \u0111\u00f3 m\u00f4 t\u1ea3 c\u00e1c v\u1ea5n \u0111\u1ec1 th\u01b0\u1eddng g\u1eb7p sau khi thay \u0111\u1ed5i t\u00ecnh tr\u1ea1ng c\u01b0 tr\u00fa.<\/p>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"podsumowanie\" class=\"kt-adv-heading\">T\u00f3m t\u1eaft<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Vi\u1ec7c ho\u00e0n tr\u1ea3 ph\u00ed b\u1ea3o hi\u1ec3m sau khi r\u1eddi \u0111i l\u00e0 kh\u1ea3 thi trong nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p, nh\u01b0ng kh\u00f4ng di\u1ec5n ra t\u1ef1 \u0111\u1ed9ng v\u00e0 h\u1ea7u nh\u01b0 lu\u00f4n ph\u1ee5 thu\u1ed9c v\u00e0o c\u00e1c \u0111i\u1ec1u kho\u1ea3n h\u1ee3p \u0111\u1ed3ng. N\u1ebfu b\u1ea1n \u0111ang b\u0103n kho\u0103n li\u1ec7u c\u00f3 th\u1ec3 l\u1ea5y l\u1ea1i ph\u00ed b\u1ea3o hi\u1ec3m hay kh\u00f4ng, h\u00e3y ki\u1ec3m tra \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU), ng\u00e0y k\u1ebft th\u00fac th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m v\u00e0 th\u1ee7 t\u1ee5c ch\u1ea5m d\u1ee9t h\u1ee3p \u0111\u1ed3ng. Vi\u1ec7c h\u1ee7y b\u1ea3o hi\u1ec3m sau khi k\u1ebft th\u00fac th\u1eddi gian l\u01b0u tr\u00fa th\u01b0\u1eddng y\u00eau c\u1ea7u ph\u1ea3i n\u1ed9p \u0111\u01a1n v\u00e0 c\u00e1c t\u00e0i li\u1ec7u ch\u1ee9ng minh s\u1ef1 thay \u0111\u1ed5i v\u1ec1 t\u00ecnh h\u00ecnh. Tr\u01b0\u1edbc khi ch\u1ea5m d\u1ee9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, h\u00e3y \u0111\u1ea3m b\u1ea3o r\u1eb1ng b\u1ea1n kh\u00f4ng c\u1ea7n b\u1ea3o hi\u1ec3m m\u1edbi cho th\u1eddi gian l\u01b0u tr\u00fa ti\u1ebfp theo, th\u1ecb th\u1ef1c ho\u1eb7c th\u1ebb c\u01b0 tr\u00fa.<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Ho\u00e0n tr\u1ea3 ph\u00ed b\u1ea3o hi\u1ec3m l\u00e0 vi\u1ec7c nh\u1eadn l\u1ea1i m\u1ed9t ph\u1ea7n ti\u1ec1n t\u01b0\u01a1ng \u1ee9ng v\u1edbi th\u1eddi gian b\u1ea3o hi\u1ec3m ch\u01b0a s\u1eed d\u1ee5ng sau khi k\u1ebft th\u00fac th\u1eddi gian l\u01b0u tr\u00fa s\u1edbm ho\u1eb7c ch\u1ea5m d\u1ee9t h\u1ee3p \u0111\u1ed3ng. Trong\u2026<\/p>","protected":false},"author":2,"featured_media":3720,"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":[55,52,63,60,54],"class_list":["post-3721","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-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 polisy po wyje\u017adzie \u2013 co wiesz - Insurance VISA<\/title>\n<meta name=\"description\" content=\"Zwrot koszt\u00f3w polisy po wyje\u017adzie bywa mo\u017cliwy. Sprawd\u017a, kiedy mo\u017cna odzyska\u0107 sk\u0142adk\u0119 i jak wygl\u0105da rezygnacja z ubezpieczenia po pobycie.\" \/>\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-phi-bao-hiem-sau-khi-roi-di-ban-biet-gi-ve-dieu-nay\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Zwrot koszt\u00f3w polisy po wyje\u017adzie \u2013 co wiesz\" \/>\n<meta property=\"og:description\" content=\"Zwrot koszt\u00f3w polisy po wyje\u017adzie bywa mo\u017cliwy. Sprawd\u017a, kiedy mo\u017cna odzyska\u0107 sk\u0142adk\u0119 i jak wygl\u0105da rezygnacja z ubezpieczenia po pobycie.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/insurancevisa.com\/vi\/huong-dan\/bao-hiem-can-thiet-cho-visa-va-the-cu-tru\/hoan-tra-phi-bao-hiem-sau-khi-roi-di-ban-biet-gi-ve-dieu-nay\/\" \/>\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=\"2026-05-26T11:27:53+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-09-30T02:20:59+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/insurancevisa.com\/wp-content\/uploads\/2026\/05\/foto-10.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=\"7 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-polisy-po-wyjezdzie-co-wiesz\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/insurancevisa.com\\\/vi\\\/poradnik\\\/ubezpieczenie-wymagane-do-wizy-i-karty-pobytu\\\/zwrot-kosztow-polisy-po-wyjezdzie-co-wiesz\\\/\"},\"author\":{\"name\":\"redaktor\",\"@id\":\"https:\\\/\\\/insurancevisa.com\\\/vi\\\/#\\\/schema\\\/person\\\/c078f3c69511a8a0baa74f5da100c301\"},\"headline\":\"Zwrot koszt\u00f3w polisy po wyje\u017adzie \u2013 co wiesz\",\"datePublished\":\"2026-05-26T11:27:53+00:00\",\"dateModified\":\"2026-09-30T02:20:59+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/insurancevisa.com\\\/vi\\\/poradnik\\\/ubezpieczenie-wymagane-do-wizy-i-karty-pobytu\\\/zwrot-kosztow-polisy-po-wyjezdzie-co-wiesz\\\/\"},\"wordCount\":1414,\"publisher\":{\"@id\":\"https:\\\/\\\/insurancevisa.com\\\/vi\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/insurancevisa.com\\\/vi\\\/poradnik\\\/ubezpieczenie-wymagane-do-wizy-i-karty-pobytu\\\/zwrot-kosztow-polisy-po-wyjezdzie-co-wiesz\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/insurancevisa.com\\\/wp-content\\\/uploads\\\/2026\\\/05\\\/foto-10.webp\",\"keywords\":[\"cudzoziemcy w Polsce\",\"koszt ubezpieczenia\",\"OWU\",\"ubezpieczenie 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-polisy-po-wyjezdzie-co-wiesz\\\/\",\"url\":\"https:\\\/\\\/insurancevisa.com\\\/vi\\\/poradnik\\\/ubezpieczenie-wymagane-do-wizy-i-karty-pobytu\\\/zwrot-kosztow-polisy-po-wyjezdzie-co-wiesz\\\/\",\"name\":\"Zwrot koszt\u00f3w polisy po wyje\u017adzie \u2013 co wiesz - 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-polisy-po-wyjezdzie-co-wiesz\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/insurancevisa.com\\\/vi\\\/poradnik\\\/ubezpieczenie-wymagane-do-wizy-i-karty-pobytu\\\/zwrot-kosztow-polisy-po-wyjezdzie-co-wiesz\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/insurancevisa.com\\\/wp-content\\\/uploads\\\/2026\\\/05\\\/foto-10.webp\",\"datePublished\":\"2026-05-26T11:27:53+00:00\",\"dateModified\":\"2026-09-30T02:20:59+00:00\",\"description\":\"Zwrot koszt\u00f3w polisy po wyje\u017adzie bywa mo\u017cliwy. Sprawd\u017a, kiedy mo\u017cna odzyska\u0107 sk\u0142adk\u0119 i jak wygl\u0105da rezygnacja z ubezpieczenia po pobycie.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/insurancevisa.com\\\/vi\\\/poradnik\\\/ubezpieczenie-wymagane-do-wizy-i-karty-pobytu\\\/zwrot-kosztow-polisy-po-wyjezdzie-co-wiesz\\\/#breadcrumb\"},\"inLanguage\":\"vi\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/insurancevisa.com\\\/vi\\\/poradnik\\\/ubezpieczenie-wymagane-do-wizy-i-karty-pobytu\\\/zwrot-kosztow-polisy-po-wyjezdzie-co-wiesz\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"vi\",\"@id\":\"https:\\\/\\\/insurancevisa.com\\\/vi\\\/poradnik\\\/ubezpieczenie-wymagane-do-wizy-i-karty-pobytu\\\/zwrot-kosztow-polisy-po-wyjezdzie-co-wiesz\\\/#primaryimage\",\"url\":\"https:\\\/\\\/insurancevisa.com\\\/wp-content\\\/uploads\\\/2026\\\/05\\\/foto-10.webp\",\"contentUrl\":\"https:\\\/\\\/insurancevisa.com\\\/wp-content\\\/uploads\\\/2026\\\/05\\\/foto-10.webp\",\"width\":2528,\"height\":1696,\"caption\":\"Zwrot koszt\u00f3w polisy po wyje\u017adzie \u2013 co wiesz\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/insurancevisa.com\\\/vi\\\/poradnik\\\/ubezpieczenie-wymagane-do-wizy-i-karty-pobytu\\\/zwrot-kosztow-polisy-po-wyjezdzie-co-wiesz\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Strona g\u0142\u00f3wna\",\"item\":\"https:\\\/\\\/insurancevisa.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Zwrot koszt\u00f3w polisy po wyje\u017adzie \u2013 co wiesz\"}]},{\"@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 ph\u00ed b\u1ea3o hi\u1ec3m sau khi xu\u1ea5t c\u1ea3nh \u2013 b\u1ea1n \u0111\u00e3 bi\u1ebft g\u00ec ch\u01b0a? - Insurance VISA","description":"Vi\u1ec7c ho\u00e0n tr\u1ea3 ph\u00ed b\u1ea3o hi\u1ec3m sau khi k\u1ebft th\u00fac chuy\u1ebfn \u0111i \u0111\u00f4i khi l\u00e0 kh\u1ea3 thi. H\u00e3y t\u00ecm hi\u1ec3u xem khi n\u00e0o b\u1ea1n c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c ho\u00e0n l\u1ea1i ph\u00ed b\u1ea3o hi\u1ec3m v\u00e0 th\u1ee7 t\u1ee5c h\u1ee7y b\u1ea3o hi\u1ec3m sau khi k\u1ebft th\u00fac chuy\u1ebfn \u0111i nh\u01b0 th\u1ebf n\u00e0o.","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-phi-bao-hiem-sau-khi-roi-di-ban-biet-gi-ve-dieu-nay\/","og_locale":"vi_VN","og_type":"article","og_title":"Zwrot koszt\u00f3w polisy po wyje\u017adzie \u2013 co wiesz","og_description":"Zwrot koszt\u00f3w polisy po wyje\u017adzie bywa mo\u017cliwy. Sprawd\u017a, kiedy mo\u017cna odzyska\u0107 sk\u0142adk\u0119 i jak wygl\u0105da rezygnacja z ubezpieczenia po pobycie.","og_url":"https:\/\/insurancevisa.com\/vi\/huong-dan\/bao-hiem-can-thiet-cho-visa-va-the-cu-tru\/hoan-tra-phi-bao-hiem-sau-khi-roi-di-ban-biet-gi-ve-dieu-nay\/","og_site_name":"Insurance VISA","article_publisher":"https:\/\/www.facebook.com\/POLISARIUM","article_published_time":"2026-05-26T11:27:53+00:00","article_modified_time":"2026-09-30T02:20:59+00:00","og_image":[{"width":2528,"height":1696,"url":"https:\/\/insurancevisa.com\/wp-content\/uploads\/2026\/05\/foto-10.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":"7 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-polisy-po-wyjezdzie-co-wiesz\/#article","isPartOf":{"@id":"https:\/\/insurancevisa.com\/vi\/poradnik\/ubezpieczenie-wymagane-do-wizy-i-karty-pobytu\/zwrot-kosztow-polisy-po-wyjezdzie-co-wiesz\/"},"author":{"name":"redaktor","@id":"https:\/\/insurancevisa.com\/vi\/#\/schema\/person\/c078f3c69511a8a0baa74f5da100c301"},"headline":"Zwrot koszt\u00f3w polisy po wyje\u017adzie \u2013 co wiesz","datePublished":"2026-05-26T11:27:53+00:00","dateModified":"2026-09-30T02:20:59+00:00","mainEntityOfPage":{"@id":"https:\/\/insurancevisa.com\/vi\/poradnik\/ubezpieczenie-wymagane-do-wizy-i-karty-pobytu\/zwrot-kosztow-polisy-po-wyjezdzie-co-wiesz\/"},"wordCount":1414,"publisher":{"@id":"https:\/\/insurancevisa.com\/vi\/#organization"},"image":{"@id":"https:\/\/insurancevisa.com\/vi\/poradnik\/ubezpieczenie-wymagane-do-wizy-i-karty-pobytu\/zwrot-kosztow-polisy-po-wyjezdzie-co-wiesz\/#primaryimage"},"thumbnailUrl":"https:\/\/insurancevisa.com\/wp-content\/uploads\/2026\/05\/foto-10.webp","keywords":["cudzoziemcy w Polsce","koszt ubezpieczenia","OWU","ubezpieczenie 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-polisy-po-wyjezdzie-co-wiesz\/","url":"https:\/\/insurancevisa.com\/vi\/poradnik\/ubezpieczenie-wymagane-do-wizy-i-karty-pobytu\/zwrot-kosztow-polisy-po-wyjezdzie-co-wiesz\/","name":"Ho\u00e0n tr\u1ea3 ph\u00ed b\u1ea3o hi\u1ec3m sau khi xu\u1ea5t c\u1ea3nh \u2013 b\u1ea1n \u0111\u00e3 bi\u1ebft g\u00ec ch\u01b0a? - 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-polisy-po-wyjezdzie-co-wiesz\/#primaryimage"},"image":{"@id":"https:\/\/insurancevisa.com\/vi\/poradnik\/ubezpieczenie-wymagane-do-wizy-i-karty-pobytu\/zwrot-kosztow-polisy-po-wyjezdzie-co-wiesz\/#primaryimage"},"thumbnailUrl":"https:\/\/insurancevisa.com\/wp-content\/uploads\/2026\/05\/foto-10.webp","datePublished":"2026-05-26T11:27:53+00:00","dateModified":"2026-09-30T02:20:59+00:00","description":"Vi\u1ec7c ho\u00e0n tr\u1ea3 ph\u00ed b\u1ea3o hi\u1ec3m sau khi k\u1ebft th\u00fac chuy\u1ebfn \u0111i \u0111\u00f4i khi l\u00e0 kh\u1ea3 thi. H\u00e3y t\u00ecm hi\u1ec3u xem khi n\u00e0o b\u1ea1n c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c ho\u00e0n l\u1ea1i ph\u00ed b\u1ea3o hi\u1ec3m v\u00e0 th\u1ee7 t\u1ee5c h\u1ee7y b\u1ea3o hi\u1ec3m sau khi k\u1ebft th\u00fac chuy\u1ebfn \u0111i nh\u01b0 th\u1ebf n\u00e0o.","breadcrumb":{"@id":"https:\/\/insurancevisa.com\/vi\/poradnik\/ubezpieczenie-wymagane-do-wizy-i-karty-pobytu\/zwrot-kosztow-polisy-po-wyjezdzie-co-wiesz\/#breadcrumb"},"inLanguage":"vi","potentialAction":[{"@type":"ReadAction","target":["https:\/\/insurancevisa.com\/vi\/poradnik\/ubezpieczenie-wymagane-do-wizy-i-karty-pobytu\/zwrot-kosztow-polisy-po-wyjezdzie-co-wiesz\/"]}]},{"@type":"ImageObject","inLanguage":"vi","@id":"https:\/\/insurancevisa.com\/vi\/poradnik\/ubezpieczenie-wymagane-do-wizy-i-karty-pobytu\/zwrot-kosztow-polisy-po-wyjezdzie-co-wiesz\/#primaryimage","url":"https:\/\/insurancevisa.com\/wp-content\/uploads\/2026\/05\/foto-10.webp","contentUrl":"https:\/\/insurancevisa.com\/wp-content\/uploads\/2026\/05\/foto-10.webp","width":2528,"height":1696,"caption":"Zwrot koszt\u00f3w polisy po wyje\u017adzie \u2013 co wiesz"},{"@type":"BreadcrumbList","@id":"https:\/\/insurancevisa.com\/vi\/poradnik\/ubezpieczenie-wymagane-do-wizy-i-karty-pobytu\/zwrot-kosztow-polisy-po-wyjezdzie-co-wiesz\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Strona g\u0142\u00f3wna","item":"https:\/\/insurancevisa.com\/"},{"@type":"ListItem","position":2,"name":"Zwrot koszt\u00f3w polisy po wyje\u017adzie \u2013 co wiesz"}]},{"@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":60,"label":"ubezpieczenie cudzoziemca"},{"value":54,"label":"ubezpieczenie zdrowotne"}]},"featured_image_src_large":["https:\/\/insurancevisa.com\/wp-content\/uploads\/2026\/05\/foto-10-1024x687.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":60,"name":"ubezpieczenie cudzoziemca","slug":"ubezpieczenie-cudzoziemca","term_group":0,"term_taxonomy_id":60,"taxonomy":"post_tag","description":"Poradniki i praktyczne informacje dotycz\u0105ce: ubezpieczenie cudzoziemca, w tym \u201ePrywatne ubezpieczenie cudzoziemca \u2013 jak wybra\u0107?\u201d.","parent":0,"count":5,"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\/3721","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=3721"}],"version-history":[{"count":1,"href":"https:\/\/insurancevisa.com\/vi\/wp-json\/wp\/v2\/posts\/3721\/revisions"}],"predecessor-version":[{"id":3722,"href":"https:\/\/insurancevisa.com\/vi\/wp-json\/wp\/v2\/posts\/3721\/revisions\/3722"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/insurancevisa.com\/vi\/wp-json\/wp\/v2\/media\/3720"}],"wp:attachment":[{"href":"https:\/\/insurancevisa.com\/vi\/wp-json\/wp\/v2\/media?parent=3721"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/insurancevisa.com\/vi\/wp-json\/wp\/v2\/categories?post=3721"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/insurancevisa.com\/vi\/wp-json\/wp\/v2\/tags?post=3721"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}