{"id":3757,"date":"2026-06-26T10:43:39","date_gmt":"2026-06-26T08:43:39","guid":{"rendered":"https:\/\/insurancevisa.com\/nieskategoryzowane\/jak-zglosic-reklamacje-gdy-polisa-nie-dziala\/"},"modified":"2026-09-30T05:26:02","modified_gmt":"2026-09-30T03:26:02","slug":"lam-the-nao-de-khieu-nai-khi-hop-dong-bao-hiem-khong-co-hieu-luc","status":"publish","type":"post","link":"https:\/\/insurancevisa.com\/vi\/poradnik\/najczestsze-pytania-i-problemy-cudzoziemcow\/jak-zglosic-reklamacje-gdy-polisa-nie-dziala\/","title":{"rendered":"L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 khi\u1ebfu n\u1ea1i khi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m kh\u00f4ng c\u00f3 hi\u1ec7u l\u1ef1c?"},"content":{"rendered":"<div class=\"wp-block-kadence-rowlayout\">\n<div class=\"wp-block-kadence-advancedtext\">\n<p><strong>Khi\u1ebfu n\u1ea1i v\u1ec1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/strong> \u0110\u00e2y l\u00e0 v\u0103n b\u1ea3n ch\u00ednh th\u1ee9c n\u00eau r\u00f5 c\u00e1c khi\u1ebfu n\u1ea1i \u0111\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m, trong tr\u01b0\u1eddng h\u1ee3p h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m kh\u00f4ng \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n \u0111\u00fang theo th\u1ecfa thu\u1eadn ho\u1eb7c khi c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u1eeb ch\u1ed1i chi tr\u1ea3. N\u1ebfu b\u1ea1n g\u1eb7p v\u1ea5n \u0111\u1ec1 v\u1edbi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, kh\u00f4ng n\u00ean ch\u1ec9 d\u1eebng l\u1ea1i \u1edf vi\u1ec7c trao \u0111\u1ed5i qua \u0111i\u1ec7n tho\u1ea1i. T\u1ed1t nh\u1ea5t l\u00e0 b\u1ea1n n\u00ean thu th\u1eadp ngay c\u00e1c t\u00e0i li\u1ec7u, m\u00f4 t\u1ea3 t\u00ecnh hu\u1ed1ng v\u00e0 n\u1ed9p \u0111\u01a1n khi\u1ebfu n\u1ea1i theo c\u00e1ch c\u00f3 th\u1ec3 l\u01b0u gi\u1eef b\u1eb1ng ch\u1ee9ng v\u1ec1 vi\u1ec7c khi\u1ebfu n\u1ea1i. Trong b\u00e0i vi\u1ebft n\u00e0y, ch\u00fang t\u00f4i s\u1ebd gi\u1ea3i th\u00edch c\u00e1ch n\u1ed9p \u0111\u01a1n khi\u1ebfu n\u1ea1i khi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m kh\u00f4ng \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n \u0111\u00fang, n\u1ed9i dung c\u1ea7n c\u00f3 trong \u0111\u01a1n khi\u1ebfu n\u1ea1i b\u1ea3o hi\u1ec3m y t\u1ebf, th\u1eddi h\u1ea1n tr\u1ea3 l\u1eddi c\u0169ng nh\u01b0 nh\u1eefng vi\u1ec7c c\u1ea7n l\u00e0m n\u1ebfu c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u1eabn t\u1eeb ch\u1ed1i ch\u1ea5p nh\u1eadn y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng.<\/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-reklamacja\">Khi\u1ebfu n\u1ea1i b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec?<\/a><\/li>\n<li><a href=\"#kiedy-polisa-nie-dziala\">Khi n\u00e0o th\u00ec c\u00f3 th\u1ec3 coi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m kh\u00f4ng c\u00f2n hi\u1ec7u l\u1ef1c?<\/a><\/li>\n<li><a href=\"#jak-zlozyc-reklamacje\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 n\u1ed9p \u0111\u01a1n khi\u1ebfu n\u1ea1i hi\u1ec7u qu\u1ea3?<\/a><\/li>\n<li><a href=\"#co-zrobic-po-odmowie\">Ph\u1ea3i l\u00e0m g\u00ec khi b\u1ecb t\u1eeb ch\u1ed1i c\u1ea5p tr\u1ee3 c\u1ea5p?<\/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-reklamacja\" class=\"kt-adv-heading\">Khi\u1ebfu n\u1ea1i b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Khi\u1ebfu n\u1ea1i b\u1ea3o hi\u1ec3m y t\u1ebf l\u00e0 v\u0103n b\u1ea3n ch\u00ednh th\u1ee9c g\u1eedi \u0111\u1ebfn c\u00f4ng ty b\u1ea3o hi\u1ec3m, trong \u0111\u00f3 kh\u00e1ch h\u00e0ng ch\u1ec9 ra r\u1eb1ng d\u1ecbch v\u1ee5 \u0111\u00e3 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n kh\u00f4ng \u0111\u00fang quy \u0111\u1ecbnh ho\u1eb7c quy\u1ebft \u0111\u1ecbnh \u0111\u01b0a ra l\u00e0 sai. \u0110i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 li\u00ean quan \u0111\u1ebfn vi\u1ec7c t\u1eeb ch\u1ed1i chi tr\u1ea3 quy\u1ec1n l\u1ee3i, vi\u1ec7c gi\u1ea3i th\u00edch sai ph\u1ea1m vi b\u1ea3o hi\u1ec3m, c\u00e1c v\u1ea5n \u0111\u1ec1 trong qu\u00e1 tr\u00ecnh k\u00edch ho\u1ea1t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ho\u1eb7c vi\u1ec7c x\u1eed l\u00fd y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng kh\u00f4ng \u0111\u00fang quy tr\u00ecnh.<\/p>\n<p>Theo th\u1ef1c ti\u1ec5n th\u1ecb tr\u01b0\u1eddng, kh\u00f4ng ch\u1ec9 ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m m\u00e0 th\u01b0\u1eddng c\u1ea3 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m ho\u1eb7c ng\u01b0\u1eddi \u0111\u01b0\u1ee3c h\u01b0\u1edfng quy\u1ec1n l\u1ee3i theo h\u1ee3p \u0111\u1ed3ng c\u0169ng c\u00f3 th\u1ec3 n\u1ed9p \u0111\u01a1n khi\u1ebfu n\u1ea1i. \u0110\u01a1n khi\u1ebfu n\u1ea1i th\u01b0\u1eddng \u0111\u01b0\u1ee3c n\u1ed9p b\u1eb1ng v\u0103n b\u1ea3n, qua h\u00ecnh th\u1ee9c \u0111i\u1ec7n t\u1eed ho\u1eb7c b\u1eb1ng l\u1eddi n\u00f3i v\u00e0 \u0111\u01b0\u1ee3c ghi v\u00e0o bi\u00ean b\u1ea3n. Trong n\u1ed9i dung khi\u1ebfu n\u1ea1i, c\u1ea7n n\u00eau r\u00f5 th\u00f4ng tin c\u1ee7a ng\u01b0\u1eddi khi\u1ebfu n\u1ea1i, s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ho\u1eb7c s\u1ed1 v\u1ee5 tai n\u1ea1n, n\u1ed9i dung khi\u1ebfu n\u1ea1i v\u00e0 l\u00fd do khi\u1ebfu n\u1ea1i k\u00e8m theo b\u1eb1ng ch\u1ee9ng.<\/p>\n<p>\u0110\u1ed1i v\u1edbi ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i, vi\u1ec7c ph\u00e2n bi\u1ec7t gi\u1eefa v\u1ea5n \u0111\u1ec1 th\u1ee7 t\u1ee5c v\u00e0 vi\u1ec7c th\u1ef1c s\u1ef1 kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m c\u0169ng r\u1ea5t quan tr\u1ecdng. \u0110\u00f4i khi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u1eabn c\u00f3 hi\u1ec7u l\u1ef1c, nh\u01b0ng ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m kh\u00f4ng \u0111\u01b0\u1ee3c h\u01b0\u1edfng quy\u1ec1n l\u1ee3i do c\u00f3 \u0111i\u1ec1u kho\u1ea3n lo\u1ea1i tr\u1eeb tr\u00e1ch nhi\u1ec7m. Do \u0111\u00f3, b\u1ea1n n\u00ean \u0111\u1ecdc k\u1ef9 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) tr\u01b0\u1edbc v\u00e0 ki\u1ec3m tra xem s\u1ef1 c\u1ed1 c\u00f3 n\u1eb1m trong ph\u1ea1m vi b\u1ea3o hi\u1ec3m hay kh\u00f4ng. C\u1ea9m nang 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\/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-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\">Tr\u01b0\u1edbc khi n\u1ed9p \u0111\u01a1n khi\u1ebfu n\u1ea1i, h\u00e3y ki\u1ec3m tra s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m, ph\u1ea1m vi quy\u1ec1n l\u1ee3i v\u00e0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb tr\u00e1ch nhi\u1ec7m trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m Chung. \u0110i\u1ec1u n\u00e0y gi\u00fap tr\u00e1nh vi\u1ec7c n\u1ed9p \u0111\u01a1n khi\u1ebfu n\u1ea1i ch\u1ec9 d\u1ef1a tr\u00ean nh\u1eefng ph\u1ecfng \u0111o\u00e1n.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"kiedy-polisa-nie-dziala\" class=\"kt-adv-heading\">Khi n\u00e0o th\u00ec c\u00f3 th\u1ec3 coi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m kh\u00f4ng c\u00f2n hi\u1ec7u l\u1ef1c?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>V\u1ea5n \u0111\u1ec1 li\u00ean quan \u0111\u1ebfn h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o c\u0169ng c\u00f3 c\u00f9ng m\u1ed9t \u00fd ngh\u0129a. \u0110\u00f4i khi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m kh\u00f4ng \u0111\u01b0\u1ee3c l\u1eadp \u0111\u00fang quy \u0111\u1ecbnh, \u0111\u00f4i khi ph\u00ed b\u1ea3o hi\u1ec3m ch\u01b0a \u0111\u01b0\u1ee3c ghi s\u1ed5, v\u00e0 \u0111\u00f4i khi c\u00f4ng ty b\u1ea3o hi\u1ec3m cho r\u1eb1ng s\u1ef1 c\u1ed1 \u0111\u00f3 kh\u00f4ng n\u1eb1m trong ph\u1ea1m vi b\u1ea3o hi\u1ec3m. Tuy nhi\u00ean, \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng, k\u1ebft qu\u1ea3 th\u01b0\u1eddng t\u01b0\u01a1ng t\u1ef1 nhau: kh\u00f4ng \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 y t\u1ebf, kh\u00f4ng \u0111\u01b0\u1ee3c ho\u00e0n tr\u1ea3 chi ph\u00ed ho\u1eb7c b\u1ecb t\u1eeb ch\u1ed1i chi tr\u1ea3 quy\u1ec1n l\u1ee3i.<\/p>\n<p>C\u00e1c t\u00ecnh hu\u1ed1ng th\u01b0\u1eddng g\u1eb7p nh\u1ea5t bao g\u1ed3m vi\u1ec7c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m kh\u00f4ng \u0111\u01b0\u1ee3c k\u00edch ho\u1ea1t r\u00f5 r\u00e0ng trong h\u1ec7 th\u1ed1ng, vi\u1ec7c t\u1eeb ch\u1ed1i chi tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb, s\u1ef1 kh\u00f4ng nh\u1ea5t qu\u00e1n gi\u1eefa n\u1ed9i dung ch\u00e0o h\u00e0ng v\u00e0 \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU), c\u0169ng nh\u01b0 vi\u1ec7c t\u1eeb ch\u1ed1i y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng do c\u00e1c \u0111i\u1ec1u kho\u1ea3n lo\u1ea1i tr\u1eeb \u0111\u01b0\u1ee3c cho l\u00e0 \u00e1p d\u1ee5ng. Trong c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i, m\u1ed9t v\u1ea5n \u0111\u1ec1 th\u01b0\u1eddng g\u1eb7p kh\u00e1c l\u00e0 nh\u1eefng hi\u1ec3u l\u1ea7m li\u00ean quan \u0111\u1ebfn c\u00e1c t\u00e0i li\u1ec7u c\u1ea7n thi\u1ebft \u0111\u1ec3 khai b\u00e1o t\u1ed5n th\u1ea5t ho\u1eb7c c\u00e1c b\u1ec7nh l\u00fd t\u1eeb tr\u01b0\u1edbc.<\/p>\n<p>Tr\u01b0\u1edbc khi g\u1eedi \u0111\u01a1n khi\u1ebfu n\u1ea1i, h\u00e3y so s\u00e1nh b\u1ea3n h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u1edbi c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a h\u1ee3p \u0111\u1ed3ng. Ki\u1ec3m tra xem vi\u1ec7c \u0111i\u1ec1u tr\u1ecb c\u00f3 mang t\u00ednh ch\u1ea5t c\u1ea5p c\u1ee9u hay theo k\u1ebf ho\u1ea1ch, c\u0169ng nh\u01b0 xem c\u00f3 b\u1ea5t k\u1ef3 h\u1ea1n ch\u1ebf n\u00e0o li\u00ean quan \u0111\u1ebfn c\u00e1c b\u1ec7nh m\u00e3n t\u00ednh ho\u1eb7c c\u00e1c s\u1ef1 ki\u1ec7n x\u1ea3y ra tr\u01b0\u1edbc khi b\u1ea3o hi\u1ec3m c\u00f3 hi\u1ec7u l\u1ef1c hay kh\u00f4ng. N\u1ebfu b\u1ea1n mu\u1ed1n hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 c\u00e1c nguy\u00ean t\u1eafc c\u01a1 b\u1ea3n c\u1ee7a b\u1ea3o hi\u1ec3m, h\u00e3y tham kh\u1ea3o th\u00eam b\u00e0i vi\u1ebft v\u1ec1 <a href=\"https:\/\/insurancevisa.com\/vi\/huong-dan\/co-so-cua-bao-hiem-y-te-o-ba-lan\/bao-hiem-y-te-cho-sinh-vien-o-ba-lan-co-can-thiet-khong\/\">c\u01a1 s\u1edf b\u1ea3o hi\u1ec3m y t\u1ebf<\/a>.<\/p>\n<h3>C\u00e1c d\u1ea5u hi\u1ec7u ph\u1ed5 bi\u1ebfn nh\u1ea5t cho th\u1ea5y c\u00f3 v\u1ea5n \u0111\u1ec1<\/h3>\n<\/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>T\u1eeb ch\u1ed1i ho\u00e0n tr\u1ea3:<\/strong> C\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00f4ng ho\u00e0n tr\u1ea3 chi ph\u00ed d\u00f9 \u0111\u00e3 \u0111\u01b0\u1ee3c xu\u1ea5t tr\u00ecnh h\u00f3a \u0111\u01a1n.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Kh\u00f4ng \u0111\u01b0\u1ee3c \u1ee7y quy\u1ec1n:<\/strong> C\u01a1 s\u1edf y t\u1ebf kh\u00f4ng th\u1ec3 x\u00e1c nh\u1eadn t\u00ecnh tr\u1ea1ng b\u1ea3o hi\u1ec3m c\u00f2n hi\u1ec7u l\u1ef1c.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>S\u1ef1 kh\u00f4ng nh\u1ea5t qu\u00e1n gi\u1eefa c\u00e1c t\u00e0i li\u1ec7u:<\/strong> H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m n\u00e0y cam k\u1ebft ph\u1ea1m vi b\u1ea3o hi\u1ec3m kh\u00e1c v\u1edbi \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) ho\u1eb7c Gi\u1ea5y ch\u1ee9ng nh\u1eadn.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Kh\u00f4ng c\u00f3 c\u00e2u tr\u1ea3 l\u1eddi:<\/strong> C\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00f4ng ph\u1ea3n h\u1ed3i th\u00f4ng b\u00e1o v\u1ec1 v\u1ee5 tai n\u1ea1n.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>L\u00fd do kh\u00f4ng r\u00f5 r\u00e0ng:<\/strong> Quy\u1ebft \u0111\u1ecbnh t\u1eeb ch\u1ed1i kh\u00f4ng n\u00eau r\u00f5 l\u00fd do t\u1eeb ch\u1ed1i.<\/span><\/li>\n<\/ul>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"jak-zlozyc-reklamacje\" class=\"kt-adv-heading\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 n\u1ed9p \u0111\u01a1n khi\u1ebfu n\u1ea1i hi\u1ec7u qu\u1ea3?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>N\u1ebfu b\u1ea1n \u0111ang b\u0103n kho\u0103n kh\u00f4ng bi\u1ebft l\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 khi\u1ebfu n\u1ea1i khi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m kh\u00f4ng c\u00f3 hi\u1ec7u l\u1ef1c, h\u00e3y b\u1eaft \u0111\u1ea7u b\u1eb1ng vi\u1ec7c thu th\u1eadp b\u1eb1ng ch\u1ee9ng. H\u00e3y chu\u1ea9n b\u1ecb s\u1eb5n s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, ng\u00e0y x\u1ea3y ra s\u1ef1 vi\u1ec7c, quy\u1ebft \u0111\u1ecbnh t\u1eeb ch\u1ed1i b\u1ed3i th\u01b0\u1eddng, h\u00f3a \u0111\u01a1n, th\u01b0 t\u1eeb qua email, l\u1ecbch s\u1eed cu\u1ed9c g\u1ecdi v\u00e0 h\u1ed3 s\u01a1 y t\u1ebf. B\u1ea1n m\u00f4 t\u1ea3 v\u1ee5 vi\u1ec7c c\u00e0ng chi ti\u1ebft, c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd c\u00e0ng kh\u00f3 \u0111\u01b0a ra c\u00e2u tr\u1ea3 l\u1eddi chung chung.<\/p>\n<p>T\u1ed1t nh\u1ea5t b\u1ea1n n\u00ean g\u1eedi khi\u1ebfu n\u1ea1i d\u01b0\u1edbi d\u1ea1ng v\u0103n b\u1ea3n ho\u1eb7c \u0111i\u1ec7n t\u1eed k\u00e8m theo x\u00e1c nh\u1eadn \u0111\u00e3 g\u1eedi. Trong v\u0103n b\u1ea3n, h\u00e3y n\u00eau r\u00f5 v\u1ea5n \u0111\u1ec1 li\u00ean quan \u0111\u1ebfn \u0111i\u1ec1u g\u00ec, l\u00fd do t\u1ea1i sao b\u1ea1n cho r\u1eb1ng quy\u1ebft \u0111\u1ecbnh \u0111\u00f3 l\u00e0 sai, b\u1ea1n c\u0103n c\u1ee9 v\u00e0o nh\u1eefng \u0111i\u1ec1u kho\u1ea3n n\u00e0o trong h\u1ee3p \u0111\u1ed3ng ho\u1eb7c \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU), v\u00e0 b\u1ea1n mong \u0111\u1ee3i \u0111i\u1ec1u g\u00ec. B\u1ea1n c\u00f3 th\u1ec3 y\u00eau c\u1ea7u xem x\u00e9t l\u1ea1i v\u1ee5 vi\u1ec7c, chi tr\u1ea3 quy\u1ec1n l\u1ee3i, ho\u00e0n tr\u1ea3 chi ph\u00ed ho\u1eb7c gi\u1ea3i th\u00edch b\u1eb1ng v\u0103n b\u1ea3n v\u1ec1 c\u01a1 s\u1edf t\u1eeb ch\u1ed1i.<\/p>\n<p>Trong nhi\u1ec1u \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung (OWU), th\u1eddi h\u1ea1n tr\u1ea3 l\u1eddi th\u01b0\u1eddng l\u00e0 t\u1ed1i \u0111a 30 ng\u00e0y k\u1ec3 t\u1eeb khi nh\u1eadn \u0111\u01b0\u1ee3c khi\u1ebfu n\u1ea1i. Trong c\u00e1c tr\u01b0\u1eddng h\u1ee3p \u0111\u1eb7c bi\u1ec7t ph\u1ee9c t\u1ea1p, th\u1eddi h\u1ea1n n\u00e0y c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c gia h\u1ea1n l\u00ean \u0111\u1ebfn 60 ng\u00e0y, nh\u01b0ng c\u00f4ng ty b\u1ea3o hi\u1ec3m ph\u1ea3i th\u00f4ng b\u00e1o l\u00fd do g\u00e2y ra s\u1ef1 ch\u1eadm tr\u1ec5. B\u1ea1n c\u0169ng n\u00ean gi\u1eef l\u1ea1i b\u1ea3n sao \u0111\u01a1n khi\u1ebfu n\u1ea1i v\u00e0 bi\u00ean nh\u1eadn g\u1eedi th\u01b0. N\u1ebfu b\u1ea1n \u0111ang c\u00e2n nh\u1eafc thay \u0111\u1ed5i g\u00f3i b\u1ea3o hi\u1ec3m sau khi gi\u1ea3i quy\u1ebft tranh ch\u1ea5p, h\u00e3y \u0111\u1ecdc 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\/toi-co-the-thay-doi-bao-hiem-trong-thoi-gian-luu-tru-sang-mot-goi-khac-khong\/\">thay \u0111\u1ed5i b\u1ea3o hi\u1ec3m trong th\u1eddi gian l\u01b0u tr\u00fa<\/a>.<\/p>\n<h3>\u0110\u01a1n khi\u1ebfu n\u1ea1i c\u1ea7n bao g\u1ed3m nh\u1eefng n\u1ed9i dung g\u00ec<\/h3>\n<\/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>Th\u00f4ng tin kh\u00e1ch h\u00e0ng:<\/strong> t\u00ean, h\u1ecd, \u0111\u1ecba ch\u1ec9, s\u1ed1 \u0111i\u1ec7n tho\u1ea1i v\u00e0 email.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>S\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m:<\/strong> ho\u1eb7c s\u1ed1 v\u1ee5 tai n\u1ea1n ho\u1eb7c s\u1ed1 h\u1ed3 s\u01a1.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>M\u00f4 t\u1ea3 v\u1ea5n \u0111\u1ec1:<\/strong> Di\u1ec5n bi\u1ebfn ng\u1eafn g\u1ecdn v\u00e0 s\u00fac t\u00edch c\u1ee7a s\u1ef1 vi\u1ec7c.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>L\u00fd do:<\/strong> n\u00eau r\u00f5 l\u00fd do t\u1ea1i sao quy\u1ebft \u0111\u1ecbnh \u0111\u00f3 l\u00e0 sai.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>B\u1eb1ng ch\u1ee9ng:<\/strong> h\u00f3a \u0111\u01a1n, h\u1ed3 s\u01a1 y t\u1ebf, th\u01b0 t\u1eeb v\u00e0 \u1ea3nh ch\u1ee5p m\u00e0n h\u00ecnh.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Y\u00eau c\u1ea7u:<\/strong> B\u1ea1n mong \u0111\u1ee3i \u0111i\u1ec1u g\u00ec sau khi khi\u1ebfu n\u1ea1i \u0111\u01b0\u1ee3c xem x\u00e9t?.<\/span><\/li>\n<\/ul>\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 M\u1eb9o<\/h4>\n<p class=\"kt-blocks-info-box-text\">\u0110\u1eebng vi\u1ebft th\u01b0 khi\u1ebfu n\u1ea1i mang t\u00ednh c\u1ea3m t\u00ednh m\u00e0 thi\u1ebfu th\u00f4ng tin c\u1ee5 th\u1ec3. \u0110\u01a1n khi\u1ebfu n\u1ea1i hi\u1ec7u qu\u1ea3 nh\u1ea5t ph\u1ea3i d\u1ef1a tr\u00ean c\u00e1c s\u1ef1 ki\u1ec7n, ng\u00e0y th\u00e1ng, s\u1ed1 t\u00e0i li\u1ec7u v\u00e0 c\u00e1c tr\u00edch d\u1eabn t\u1eeb \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung (OWU) ho\u1eb7c quy\u1ebft \u0111\u1ecbnh t\u1eeb ch\u1ed1i.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"co-zrobic-po-odmowie\" class=\"kt-adv-heading\">Ph\u1ea3i l\u00e0m g\u00ec khi b\u1ecb t\u1eeb ch\u1ed1i c\u1ea5p tr\u1ee3 c\u1ea5p?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>B\u1ecb t\u1eeb ch\u1ed1i chi tr\u1ea3, ph\u1ea3i l\u00e0m g\u00ec? Tr\u01b0\u1edbc ti\u00ean, h\u00e3y \u0111\u1ecdc k\u1ef9 ph\u1ea7n l\u00fd do c\u1ee7a quy\u1ebft \u0111\u1ecbnh. Ki\u1ec3m tra xem c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 vi\u1ec7n d\u1eabn \u0111\u1ebfn \u0111i\u1ec1u kho\u1ea3n c\u1ee5 th\u1ec3 n\u00e0o trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU), vi\u1ec7c thi\u1ebfu gi\u1ea5y t\u1edd, \u0111i\u1ec1u kho\u1ea3n lo\u1ea1i tr\u1eeb tr\u00e1ch nhi\u1ec7m hay s\u1ef1 ki\u1ec7n kh\u00f4ng thu\u1ed9c ph\u1ea1m vi b\u1ea3o hi\u1ec3m hay kh\u00f4ng. N\u1ebfu ph\u1ea7n gi\u1ea3i th\u00edch ch\u01b0a \u0111\u1ea7y \u0111\u1ee7, h\u00e3y y\u00eau c\u1ea7u c\u00f4ng ty b\u1ea3o hi\u1ec3m l\u00e0m r\u00f5 b\u1eb1ng v\u0103n b\u1ea3n.<\/p>\n<p>N\u1ebfu c\u00e2u tr\u1ea3 l\u1eddi cho khi\u1ebfu n\u1ea1i v\u1eabn l\u00e0 t\u1eeb ch\u1ed1i, b\u1ea1n c\u00f3 th\u1ec3 ti\u1ebfn h\u00e0nh c\u00e1c b\u01b0\u1edbc ti\u1ebfp theo. Tr\u00ean th\u1ef1c t\u1ebf, \u0111\u00f3 l\u00e0 vi\u1ec7c g\u1eedi \u0111\u01a1n \u0111\u1ebfn Thanh tra T\u00e0i ch\u00ednh, ti\u1ebfn h\u00e0nh h\u00f2a gi\u1ea3i ho\u1eb7c khi\u1ebfu n\u1ea1i c\u00f4ng ty b\u1ea3o hi\u1ec3m l\u00ean c\u00e1c c\u01a1 quan c\u00f3 th\u1ea9m quy\u1ec1n. T\u00f9y thu\u1ed9c v\u00e0o t\u1eebng tr\u01b0\u1eddng h\u1ee3p c\u1ee5 th\u1ec3, b\u1ea1n c\u0169ng c\u00f3 th\u1ec3 kh\u1edfi ki\u1ec7n t\u1ea1i t\u00f2a \u00e1n. \u1ee6y ban Gi\u00e1m s\u00e1t T\u00e0i ch\u00ednh ch\u1ecbu tr\u00e1ch nhi\u1ec7m gi\u00e1m s\u00e1t th\u1ecb tr\u01b0\u1eddng, c\u00f2n Thanh tra T\u00e0i ch\u00ednh h\u1ed7 tr\u1ee3 gi\u1ea3i quy\u1ebft c\u00e1c tranh ch\u1ea5p gi\u1eefa kh\u00e1ch h\u00e0ng v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c tr\u00ean th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh.<\/p>\n<p>C\u1ea7n l\u01b0u \u00fd r\u1eb1ng khi\u1ebfu n\u1ea1i, ph\u1ea3n \u0111\u1ed1i v\u00e0 t\u1ed1 c\u00e1o kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o c\u0169ng c\u00f3 c\u00f9ng \u00fd ngh\u0129a. Khi\u1ebfu n\u1ea1i li\u00ean quan \u0111\u1ebfn nh\u1eefng \u00fd ki\u1ebfn ph\u1ea3n \u0111\u1ed1i v\u1ec1 d\u1ecbch v\u1ee5 ho\u1eb7c quy\u1ebft \u0111\u1ecbnh. T\u1ed1 c\u00e1o \u0111\u1ed1i v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 li\u00ean quan \u0111\u1ebfn c\u00e1ch th\u1ee9c ho\u1ea1t \u0111\u1ed9ng chung c\u1ee7a c\u00f4ng ty \u0111\u00f3. N\u1ebfu b\u1ea1n \u0111ang l\u00ean k\u1ebf ho\u1ea1ch cho c\u00e1c b\u01b0\u1edbc ti\u1ebfp theo sau khi x\u1ea3y ra tranh ch\u1ea5p, 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\/thay-doi-bao-hiem-trong-thoi-gian-luu-tru-ke-hoach-moi\/\">k\u1ebf ho\u1ea1ch b\u1ea3o hi\u1ec3m m\u1edbi<\/a>.<\/p>\n<h3>Tr\u00ecnh t\u1ef1 th\u1ef1c hi\u1ec7n c\u00e1c b\u01b0\u1edbc<\/h3>\n<\/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>B\u01b0\u1edbc 1:<\/strong> Y\u00eau c\u1ea7u cung c\u1ea5p \u0111\u1ea7y \u0111\u1ee7 l\u00fd do t\u1eeb ch\u1ed1i b\u1eb1ng v\u0103n b\u1ea3n.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>B\u01b0\u1edbc 2:<\/strong> H\u00e3y n\u1ed9p \u0111\u01a1n khi\u1ebfu n\u1ea1i k\u00e8m theo b\u1eb1ng ch\u1ee9ng v\u00e0 quan \u0111i\u1ec3m c\u1ee7a b\u1ea1n.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>B\u01b0\u1edbc 3:<\/strong> N\u1ebfu nh\u1eadn \u0111\u01b0\u1ee3c c\u00e2u tr\u1ea3 l\u1eddi t\u1eeb ch\u1ed1i, h\u00e3y c\u00e2n nh\u1eafc vi\u1ec7c nh\u1edd s\u1ef1 h\u1ed7 tr\u1ee3 t\u1eeb C\u01a1 quan B\u1ea3o v\u1ec7 Ng\u01b0\u1eddi ti\u00eau d\u00f9ng trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>B\u01b0\u1edbc 4:<\/strong> n\u1ebfu c\u1ea7n thi\u1ebft, h\u00e3y s\u1eed d\u1ee5ng bi\u1ec7n ph\u00e1p h\u00f2a gi\u1ea3i ho\u1eb7c kh\u1edfi ki\u1ec7n ra t\u00f2a.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>B\u01b0\u1edbc 5:<\/strong> H\u00e3y l\u01b0u gi\u1eef to\u00e0n b\u1ed9 th\u01b0 t\u1eeb v\u00e0 c\u00e1c th\u1eddi h\u1ea1n tr\u1ea3 l\u1eddi.<\/span><\/li>\n<\/ul>\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>L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 khi\u1ebfu n\u1ea1i khi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m kh\u00f4ng c\u00f3 hi\u1ec7u l\u1ef1c?<\/h3>\n<p>T\u1ed1t nh\u1ea5t l\u00e0 n\u00ean g\u1eedi khi\u1ebfu n\u1ea1i b\u1eb1ng v\u0103n b\u1ea3n ho\u1eb7c qua email k\u00e8m theo x\u00e1c nh\u1eadn \u0111\u00e3 g\u1eedi. Trong \u0111\u01a1n khi\u1ebfu n\u1ea1i, h\u00e3y cung c\u1ea5p th\u00f4ng tin c\u00e1 nh\u00e2n, s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, m\u00f4 t\u1ea3 v\u1ea5n \u0111\u1ec1, l\u00fd do khi\u1ebfu n\u1ea1i v\u00e0 c\u00e1c b\u1eb1ng ch\u1ee9ng li\u00ean quan. N\u1ebfu v\u1ee5 vi\u1ec7c li\u00ean quan \u0111\u1ebfn vi\u1ec7c \u0111i\u1ec1u tr\u1ecb y t\u1ebf, h\u00e3y \u0111\u00ednh k\u00e8m c\u1ea3 c\u00e1c t\u00e0i li\u1ec7u y t\u1ebf v\u00e0 h\u00f3a \u0111\u01a1n.<\/p>\n<h3>Vi\u1ec7c khi\u1ebfu n\u1ea1i b\u1ea3o hi\u1ec3m y t\u1ebf c\u00f3 b\u1eaft bu\u1ed9c ph\u1ea3i s\u1eed d\u1ee5ng m\u1eabu \u0111\u01a1n \u0111\u1eb7c bi\u1ec7t kh\u00f4ng?<\/h3>\n<p>Kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o c\u0169ng v\u1eady. Nhi\u1ec1u c\u00f4ng ty b\u1ea3o hi\u1ec3m cung c\u1ea5p m\u1eabu \u0111\u01a1n ri\u00eang, nh\u01b0ng b\u1ea1n c\u0169ng c\u00f3 th\u1ec3 t\u1ef1 so\u1ea1n th\u1ea3o \u0111\u01a1n khi\u1ebfu n\u1ea1i hi\u1ec7u qu\u1ea3. \u0110i\u1ec1u quan tr\u1ecdng nh\u1ea5t l\u00e0 \u0111\u01a1n khi\u1ebfu n\u1ea1i ph\u1ea3i bao g\u1ed3m th\u00f4ng tin nh\u1eadn d\u1ea1ng, s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, n\u1ed9i dung khi\u1ebfu n\u1ea1i v\u00e0 y\u00eau c\u1ea7u.<\/p>\n<h3>C\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 bao nhi\u00eau th\u1eddi gian \u0111\u1ec3 tr\u1ea3 l\u1eddi?<\/h3>\n<p>Theo quy \u0111\u1ecbnh, ph\u1ea3n h\u1ed3i v\u1ec1 khi\u1ebfu n\u1ea1i ph\u1ea3i \u0111\u01b0\u1ee3c g\u1eedi trong v\u00f2ng 30 ng\u00e0y k\u1ec3 t\u1eeb ng\u00e0y nh\u1eadn \u0111\u01b0\u1ee3c khi\u1ebfu n\u1ea1i. Trong nh\u1eefng tr\u01b0\u1eddng h\u1ee3p ph\u1ee9c t\u1ea1p h\u01a1n, th\u1eddi h\u1ea1n n\u00e0y c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c gia h\u1ea1n l\u00ean \u0111\u1ebfn 60 ng\u00e0y. Tuy nhi\u00ean, c\u00f4ng ty b\u1ea3o hi\u1ec3m ph\u1ea3i th\u00f4ng b\u00e1o cho b\u1ea1n l\u00fd do g\u00e2y ra s\u1ef1 ch\u1eadm tr\u1ec5.<\/p>\n<h3>B\u1ecb t\u1eeb ch\u1ed1i c\u1ea5p d\u1ecbch v\u1ee5 \u2013 ph\u1ea3i l\u00e0m g\u00ec n\u1ebfu t\u00f4i kh\u00f4ng \u0111\u1ed3ng \u00fd v\u1edbi quy\u1ebft \u0111\u1ecbnh n\u00e0y?<\/h3>\n<p>Tr\u01b0\u1edbc ti\u00ean, h\u00e3y y\u00eau c\u1ea7u c\u00f4ng ty b\u1ea3o hi\u1ec3m cung c\u1ea5p l\u00fd do \u0111\u1ea7y \u0111\u1ee7 v\u00e0 ki\u1ec3m tra xem quy\u1ebft \u0111\u1ecbnh \u0111\u00f3 c\u00f3 d\u1ef1a tr\u00ean \u0111i\u1ec1u kho\u1ea3n c\u1ee5 th\u1ec3 n\u00e0o trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) hay kh\u00f4ng. Sau \u0111\u00f3, h\u00e3y n\u1ed9p \u0111\u01a1n khi\u1ebfu n\u1ea1i v\u00e0 \u0111\u00ednh k\u00e8m c\u00e1c b\u1eb1ng ch\u1ee9ng ph\u1ea3n b\u00e1c quan \u0111i\u1ec3m c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m. N\u1ebfu c\u00e1ch n\u00e0y kh\u00f4ng hi\u1ec7u qu\u1ea3, h\u00e3y c\u00e2n nh\u1eafc vi\u1ec7c g\u1eedi \u0111\u01a1n \u0111\u1ebfn Thanh tra T\u00e0i ch\u00ednh.<\/p>\n<h3>N\u00ean n\u1ed9p \u0111\u01a1n khi\u1ebfu n\u1ea1i c\u00f4ng ty b\u1ea3o hi\u1ec3m \u1edf \u0111\u00e2u?<\/h3>\n<p>T\u00f9y theo t\u1eebng tr\u01b0\u1eddng h\u1ee3p c\u1ee5 th\u1ec3, b\u1ea1n c\u00f3 th\u1ec3 g\u1eedi khi\u1ebfu n\u1ea1i ho\u1eb7c y\u00eau c\u1ea7u can thi\u1ec7p \u0111\u1ebfn Thanh tra T\u00e0i ch\u00ednh, ho\u1eb7c s\u1eed d\u1ee5ng c\u00e1c c\u00f4ng c\u1ee5 gi\u00e1m s\u00e1t v\u00e0 h\u00f2a gi\u1ea3i c\u00f3 s\u1eb5n tr\u00ean th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh. B\u1ea1n c\u0169ng n\u00ean ki\u1ec3m tra xem t\u00ecnh hu\u1ed1ng c\u1ee7a m\u00ecnh c\u00f3 ph\u1ea3i do c\u00e1c gi\u1edbi h\u1ea1n b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c m\u00f4 t\u1ea3 trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) hay kh\u00f4ng. Vi\u1ec7c so s\u00e1nh v\u1edbi 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\/cac-lua-chon-bao-hiem-cho-nguoi-nuoc-ngoai-khong-co-viec-lam-tai-ba-lan\/\">c\u00e1c t\u00f9y ch\u1ecdn b\u1ea3o hi\u1ec3m th\u1ea5t nghi\u1ec7p<\/a>.<\/p>\n<h3>Ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i \u1edf Ba Lan c\u00f3 quy\u1ec1n khi\u1ebfu n\u1ea1i t\u01b0\u01a1ng t\u1ef1 kh\u00f4ng?<\/h3>\n<p>\u0110\u00fang v\u1eady, n\u1ebfu l\u00e0 m\u1ed9t b\u00ean tham gia h\u1ee3p \u0111\u1ed3ng, ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m ho\u1eb7c ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng theo h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, h\u1ecd c\u00f3 th\u1ec3 n\u1ed9p \u0111\u01a1n khi\u1ebfu n\u1ea1i theo c\u00e1c quy \u0111\u1ecbnh \u0111\u01b0\u1ee3c n\u00eau trong h\u1ee3p \u0111\u1ed3ng v\u00e0 ph\u00e1p lu\u1eadt. \u0110i\u1ec1u quan tr\u1ecdng l\u00e0 ph\u1ea3i l\u01b0u gi\u1eef c\u00e1c t\u00e0i li\u1ec7u, s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u0169ng nh\u01b0 c\u00e1c b\u1eb1ng ch\u1ee9ng v\u1ec1 vi\u1ec7c \u0111i\u1ec1u tr\u1ecb ho\u1eb7c vi\u1ec7c t\u1eeb ch\u1ed1i chi tr\u1ea3.<\/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>N\u1ebfu b\u1ea1n g\u1eb7p v\u1ea5n \u0111\u1ec1 v\u1edbi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, h\u00e3y h\u00e0nh \u0111\u1ed9ng nhanh ch\u00f3ng v\u00e0 c\u00f3 ph\u01b0\u01a1ng ph\u00e1p. Ki\u1ec3m tra \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU), thu th\u1eadp b\u1eb1ng ch\u1ee9ng, n\u1ed9p \u0111\u01a1n khi\u1ebfu n\u1ea1i v\u00e0 theo d\u00f5i th\u1eddi h\u1ea1n tr\u1ea3 l\u1eddi. Trong nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p, m\u1ed9t \u0111\u01a1n khi\u1ebfu n\u1ea1i b\u1ea3o hi\u1ec3m y t\u1ebf \u0111\u01b0\u1ee3c chu\u1ea9n b\u1ecb k\u1ef9 l\u01b0\u1ee1ng l\u00e0 \u0111\u1ee7 \u0111\u1ec3 \u0111i\u1ec1u ch\u1ec9nh quy\u1ebft \u0111\u1ecbnh sai l\u1ea7m. Tuy nhi\u00ean, n\u1ebfu vi\u1ec7c t\u1eeb ch\u1ed1i chi tr\u1ea3 v\u1eabn ti\u1ebfp di\u1ec5n d\u00f9 b\u1ea1n \u0111\u00e3 gi\u1ea3i th\u00edch r\u00f5 r\u00e0ng, h\u00e3y t\u00ecm s\u1ef1 h\u1ed7 tr\u1ee3 t\u1eeb Thanh tra T\u00e0i ch\u00ednh ho\u1eb7c \u00e1p d\u1ee5ng c\u00e1c bi\u1ec7n ph\u00e1p ph\u00e1p l\u00fd ti\u1ebfp theo. N\u1ebfu b\u1ea1n mu\u1ed1n hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 quy\u1ec1n l\u1ee3i v\u00e0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u1ee7a m\u00ecnh, h\u00e3y tham kh\u1ea3o th\u00eam c\u00e1c h\u01b0\u1edbng d\u1eabn kh\u00e1c tr\u00ean insurancevisa.com.<\/p>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Khi\u1ebfu n\u1ea1i h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m l\u00e0 vi\u1ec7c ch\u00ednh th\u1ee9c n\u00eau l\u00ean c\u00e1c \u00fd ki\u1ebfn ph\u1ea3n \u0111\u1ed1i \u0111\u1ed1i v\u1edbi ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m, trong tr\u01b0\u1eddng h\u1ee3p h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m kh\u00f4ng \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n theo \u0111\u00fang th\u1ecfa thu\u1eadn ho\u1eb7c khi c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u1eeb ch\u1ed1i\u2026<\/p>","protected":false},"author":2,"featured_media":3756,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[43],"tags":[55,61,63,56,54],"class_list":["post-3757","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-najczestsze-pytania-i-problemy-cudzoziemcow","tag-cudzoziemcy-w-polsce","tag-koszty-leczenia-cudzoziemcow","tag-owu","tag-polisa-medyczna","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>Jak zg\u0142osi\u0107 reklamacj\u0119, gdy polisa nie dzia\u0142a? - Insurance VISA<\/title>\n<meta name=\"description\" content=\"Dowiedz si\u0119, jak z\u0142o\u017cy\u0107 reklamacj\u0119 ubezpieczenia zdrowotnego i co zrobi\u0107, gdy polisa nie dzia\u0142a lub ubezpieczyciel odmawia \u015bwiadczenia.\" \/>\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\/cac-cau-hoi-va-van-de-thuong-gap-cua-nguoi-nuoc-ngoai\/lam-the-nao-de-khieu-nai-khi-hop-dong-bao-hiem-khong-co-hieu-luc\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Jak zg\u0142osi\u0107 reklamacj\u0119, gdy polisa nie dzia\u0142a?\" 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