{"id":3781,"date":"2026-07-08T16:08:51","date_gmt":"2026-07-08T14:08:51","guid":{"rendered":"https:\/\/insurancevisa.com\/nieskategoryzowane\/ubezpieczenie-nie-pokrywa-kosztow-leczenia\/"},"modified":"2026-09-30T05:26:28","modified_gmt":"2026-09-30T03:26:28","slug":"bao-hiem-khong-chi-tra-chi-phi-dieu-tri","status":"publish","type":"post","link":"https:\/\/insurancevisa.com\/vi\/poradnik\/najczestsze-pytania-i-problemy-cudzoziemcow\/ubezpieczenie-nie-pokrywa-kosztow-leczenia\/","title":{"rendered":"B\u1ea3o hi\u1ec3m kh\u00f4ng chi tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb?"},"content":{"rendered":"<div class=\"wp-block-kadence-advancedtext\">\n<p><strong>Kh\u00f4ng \u0111\u01b0\u1ee3c chi tr\u1ea3 chi ph\u00ed<\/strong> \u0110\u00e2y l\u00e0 t\u00ecnh hu\u1ed1ng m\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00f4ng chi tr\u1ea3 to\u00e0n b\u1ed9 ho\u1eb7c m\u1ed9t ph\u1ea7n chi ph\u00ed \u0111i\u1ec1u tr\u1ecb m\u1eb7c d\u00f9 \u0111\u00e3 c\u00f3 th\u00f4ng b\u00e1o v\u1ec1 s\u1ef1 c\u1ed1 ho\u1eb7c y\u00eau c\u1ea7u ho\u00e0n tr\u1ea3. Nguy\u00ean nh\u00e2n th\u01b0\u1eddng xu\u1ea5t ph\u00e1t t\u1eeb c\u00e1c gi\u1edbi h\u1ea1n trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, c\u00e1c \u0111i\u1ec1u kho\u1ea3n lo\u1ea1i tr\u1eeb tr\u00e1ch nhi\u1ec7m, vi\u1ec7c \u0111i\u1ec1u tr\u1ecb n\u1eb1m ngo\u00e0i ph\u1ea1m vi b\u1ea3o hi\u1ec3m ho\u1eb7c c\u00e1c thi\u1ebfu s\u00f3t v\u1ec1 th\u1ee7 t\u1ee5c trong h\u1ed3 s\u01a1. Trong b\u00e0i vi\u1ebft n\u00e0y, ch\u00fang t\u00f4i s\u1ebd gi\u1ea3i th\u00edch b\u1ea1n n\u00ean l\u00e0m g\u00ec khi b\u1ea3o hi\u1ec3m y t\u1ebf kh\u00f4ng chi tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb, c\u00e1ch ki\u1ec3m tra l\u00fd do t\u1eeb ch\u1ed1i v\u00e0 c\u00e1ch ti\u1ebfn h\u00e0nh khi\u1ebfu n\u1ea1i ho\u1eb7c thay \u0111\u1ed5i h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m m\u1ed9t c\u00e1ch an to\u00e0n.<\/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-brak-pokrycia\">\u201cKh\u00f4ng \u0111\u01b0\u1ee3c chi tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb\u201d l\u00e0 g\u00ec?<\/a><\/li>\n<li><a href=\"#dlaczego-ubezpieczyciel-odmawia\">T\u1ea1i sao c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u1eeb ch\u1ed1i chi tr\u1ea3?<\/a><\/li>\n<li><a href=\"#co-zrobic-krok-po-kroku\">C\u1ea7n l\u00e0m g\u00ec t\u1eebng b\u01b0\u1edbc m\u1ed9t?<\/a><\/li>\n<li><a href=\"#jak-ograniczyc-ryzyko\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 gi\u1ea3m thi\u1ec3u r\u1ee7i ro g\u1eb7p ph\u1ea3i c\u00e1c v\u1ea5n \u0111\u1ec1?<\/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-brak-pokrycia\" class=\"kt-adv-heading\">\u201cKh\u00f4ng \u0111\u01b0\u1ee3c chi tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb\u201d l\u00e0 g\u00ec?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Vi\u1ec7c kh\u00f4ng \u0111\u01b0\u1ee3c chi tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb c\u00f3 ngh\u0129a l\u00e0 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m kh\u00f4ng chi tr\u1ea3 to\u00e0n b\u1ed9 ho\u1eb7c m\u1ed9t ph\u1ea7n chi ph\u00ed cho d\u1ecbch v\u1ee5 y t\u1ebf \u0111\u00f3. Tr\u00ean th\u1ef1c t\u1ebf, \u0111i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 li\u00ean quan \u0111\u1ebfn vi\u1ec7c kh\u00e1m b\u1ec7nh, l\u00e0m x\u00e9t nghi\u1ec7m, n\u1eb1m vi\u1ec7n, mua thu\u1ed1c ho\u1eb7c ph\u1eabu thu\u1eadt. \u0110\u1ed1i v\u1edbi ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i t\u1ea1i Ba Lan, v\u1ea5n \u0111\u1ec1 n\u00e0y th\u01b0\u1eddng g\u00e2y c\u0103ng th\u1eb3ng \u0111\u1eb7c bi\u1ec7t, v\u00ec n\u00f3 kh\u00f4ng ch\u1ec9 li\u00ean quan \u0111\u1ebfn s\u1ee9c kh\u1ecfe m\u00e0 c\u00f2n \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn vi\u1ec7c c\u01b0 tr\u00fa, ng\u00e2n s\u00e1ch v\u00e0 c\u00e1c th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh.<\/p>\n<p>Ph\u00e2n t\u00edch c\u00e1c \u0111i\u1ec1u kho\u1ea3n h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m cho th\u1ea5y c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m th\u01b0\u1eddng t\u1eeb ch\u1ed1i chi tr\u1ea3 khi vi\u1ec7c \u0111i\u1ec1u tr\u1ecb n\u1eb1m ngo\u00e0i ph\u1ea1m vi b\u1ea3o hi\u1ec3m, li\u00ean quan \u0111\u1ebfn b\u1ec7nh l\u00fd \u0111\u00e3 c\u00f3 t\u1eeb tr\u01b0\u1edbc, \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n ngo\u00e0i th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m ho\u1eb7c bao g\u1ed3m c\u00e1c chi ph\u00ed b\u1ecb lo\u1ea1i tr\u1eeb trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung. Ngo\u00e0i ra, c\u00e1c chi ph\u00ed li\u00ean quan \u0111\u1ebfn \u0111i\u1ec1u tr\u1ecb ph\u1ee5c h\u1ed3i ch\u1ee9c n\u0103ng, l\u01b0u tr\u00fa t\u1ea1i vi\u1ec7n d\u01b0\u1ee1ng b\u1ec7nh, ch\u0103m s\u00f3c r\u0103ng mi\u1ec7ng ph\u00f2ng ng\u1eeba ho\u1eb7c c\u00e1c chi ph\u00ed kh\u00f4ng li\u00ean quan tr\u1ef1c ti\u1ebfp \u0111\u1ebfn vi\u1ec7c \u0111i\u1ec1u tr\u1ecb c\u1ea7n thi\u1ebft c\u0169ng th\u01b0\u1eddng kh\u00f4ng \u0111\u01b0\u1ee3c chi tr\u1ea3. Do \u0111\u00f3, tr\u01b0\u1edbc khi n\u1ed9p \u0111\u01a1n y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng, b\u1ea1n n\u00ean so s\u00e1nh h\u00f3a \u0111\u01a1n v\u1edbi c\u00e1c \u0111i\u1ec1u kho\u1ea3n trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung.<\/p>\n<p>N\u1ebfu b\u1ea1n mu\u1ed1n hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 ph\u1ea1m vi 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\/co-so-cua-bao-hiem-y-te-o-ba-lan\/bao-hiem-y-te-cho-sinh-vien-o-ba-lan-co-can-thiet-khong\/\">b\u1ea3o hi\u1ec3m y t\u1ebf sinh vi\u00ean<\/a>, trong \u0111\u00f3 n\u00eau r\u00f5 s\u1ef1 kh\u00e1c bi\u1ec7t v\u1ec1 ngh\u0129a v\u1ee5 v\u00e0 quy\u1ec1n l\u1ee3i t\u00f9y theo t\u00ecnh tr\u1ea1ng c\u01b0 tr\u00fa.<\/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 ti\u00ean, h\u00e3y y\u00eau c\u1ea7u c\u00f4ng ty b\u1ea3o hi\u1ec3m cung c\u1ea5p v\u0103n b\u1ea3n gi\u1ea3i th\u00edch l\u00fd do t\u1eeb ch\u1ed1i. N\u1ebfu kh\u00f4ng c\u00f3 v\u0103n b\u1ea3n n\u00e0y, b\u1ea1n s\u1ebd kh\u00f3 c\u00f3 th\u1ec3 n\u1ed9p \u0111\u01a1n khi\u1ebfu n\u1ea1i ho\u1eb7c kh\u00e1ng c\u00e1o m\u1ed9t c\u00e1ch hi\u1ec7u qu\u1ea3.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"dlaczego-ubezpieczyciel-odmawia\" class=\"kt-adv-heading\">T\u1ea1i sao c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u1eeb ch\u1ed1i chi tr\u1ea3?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>Khi b\u1ea3o hi\u1ec3m kh\u00f4ng chi tr\u1ea3 chi ph\u00ed, nguy\u00ean nh\u00e2n th\u01b0\u1eddng n\u1eb1m \u1edf \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) ho\u1eb7c c\u00e1ch th\u1ee9c th\u00f4ng b\u00e1o s\u1ef1 c\u1ed1. Trong c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i, th\u01b0\u1eddng c\u00f3 c\u00e1c \u0111i\u1ec1u kho\u1ea3n lo\u1ea1i tr\u1eeb li\u00ean quan \u0111\u1ebfn vi\u1ec7c \u0111i\u1ec1u tr\u1ecb b\u1eaft \u0111\u1ea7u tr\u01b0\u1edbc khi b\u1ea3o hi\u1ec3m c\u00f3 hi\u1ec7u l\u1ef1c, c\u00e1c b\u1ec7nh m\u00e3n t\u00ednh n\u1ebfu kh\u00f4ng c\u00f3 \u0111i\u1ec1u kho\u1ea3n m\u1edf r\u1ed9ng, lao \u0111\u1ed9ng ch\u00e2n tay n\u1ebfu kh\u00f4ng \u0111\u00f3ng th\u00eam ph\u00ed b\u1ea3o hi\u1ec3m, c\u00e1c m\u00f4n th\u1ec3 thao c\u00f3 r\u1ee7i ro cao, c\u0169ng nh\u01b0 c\u00e1c chi ph\u00ed ph\u00e1t sinh ngo\u00e0i ph\u1ea1m vi l\u00e3nh th\u1ed5 c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m. C\u00e1c gi\u1edbi h\u1ea1n v\u1ec1 s\u1ed1 ti\u1ec1n b\u1ed3i th\u01b0\u1eddng v\u00e0 y\u00eau c\u1ea7u ph\u1ea3i li\u00ean h\u1ec7 tr\u01b0\u1edbc v\u1edbi trung t\u00e2m h\u1ed7 tr\u1ee3 c\u0169ng th\u01b0\u1eddng g\u00e2y ra v\u1ea5n \u0111\u1ec1.<\/p>\n<p>M\u1ed9t s\u1ed1 s\u1ea3n ph\u1ea9m ch\u1ec9 chi tr\u1ea3 c\u00e1c chi ph\u00ed y t\u1ebf c\u1ea7n thi\u1ebft v\u00e0 ph\u00e1t sinh tr\u00ean l\u00e3nh th\u1ed5 Ba Lan. M\u1ed9t s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m kh\u00f4ng bao g\u1ed3m c\u00e1c d\u1ecbch v\u1ee5 ph\u00f2ng ng\u1eeba, ph\u1eabu thu\u1eadt th\u1ea9m m\u1ef9, \u0111i\u1ec1u tr\u1ecb t\u1ea1i khu ngh\u1ec9 d\u01b0\u1ee1ng s\u1ee9c kh\u1ecfe, ch\u1ebf \u0111\u1ed9 dinh d\u01b0\u1ee1ng \u0111\u1eb7c bi\u1ec7t c\u0169ng nh\u01b0 c\u00e1c lo\u1ea1i thu\u1ed1c \u0111\u00e3 \u0111\u01b0\u1ee3c Qu\u1ef9 B\u1ea3o hi\u1ec3m Y t\u1ebf Qu\u1ed1c gia (NFZ) chi tr\u1ea3. C\u0169ng c\u00f3 tr\u01b0\u1eddng h\u1ee3p c\u00f4ng ty b\u1ea3o hi\u1ec3m y\u00eau c\u1ea7u cung c\u1ea5p c\u00e1c t\u00e0i li\u1ec7u x\u00e1c nh\u1eadn ph\u1ea7n chi ph\u00ed n\u00e0o do b\u1ec7nh nh\u00e2n chi tr\u1ea3 v\u00e0 ph\u1ea7n n\u00e0o do h\u1ec7 th\u1ed1ng y t\u1ebf c\u00f4ng chi tr\u1ea3. \u0110\u00e2y l\u00e0 y\u1ebfu t\u1ed1 quan tr\u1ecdng khi ph\u00e1t sinh c\u00e1c v\u1ea5n \u0111\u1ec1 li\u00ean quan \u0111\u1ebfn chi ph\u00ed b\u1ea3o hi\u1ec3m.<\/p>\n<p>M\u1ed9t l\u00fd do ri\u00eang bi\u1ec7t d\u1eabn \u0111\u1ebfn vi\u1ec7c t\u1eeb ch\u1ed1i l\u00e0 c\u00e1c sai s\u00f3t v\u1ec1 th\u1ee7 t\u1ee5c. Vi\u1ec7c thi\u1ebfu b\u1ea3n d\u1ecbch t\u00e0i li\u1ec7u, thi\u1ebfu h\u00f3a \u0111\u01a1n \u0111\u1ee9ng t\u00ean, thi\u1ebfu ch\u1ee9ng t\u1eeb thanh to\u00e1n ho\u1eb7c th\u00f4ng b\u00e1o thi\u1ec7t h\u1ea1i qu\u00e1 mu\u1ed9n c\u00f3 th\u1ec3 l\u00e0m ch\u1eadm tr\u1ec5 quy\u1ebft \u0111\u1ecbnh ho\u1eb7c d\u1eabn \u0111\u1ebfn vi\u1ec7c b\u1ecb t\u1eeb ch\u1ed1i. T\u00e0i li\u1ec7u 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>, n\u1ebfu tranh ch\u1ea5p li\u00ean quan \u0111\u1ebfn vi\u1ec7c nh\u1eadp vi\u1ec7n.<\/p>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"co-zrobic-krok-po-kroku\" class=\"kt-adv-heading\">C\u1ea7n l\u00e0m g\u00ec t\u1eebng b\u01b0\u1edbc m\u1ed9t?<\/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 ph\u1ea3i l\u00e0m g\u00ec khi kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m chi tr\u1ea3, h\u00e3y b\u1eaft \u0111\u1ea7u b\u1eb1ng vi\u1ec7c thu th\u1eadp \u0111\u1ea7y \u0111\u1ee7 c\u00e1c t\u00e0i li\u1ec7u. B\u1ea1n s\u1ebd c\u1ea7n \u0111\u1ebfn h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU), quy\u1ebft \u0111\u1ecbnh t\u1eeb ch\u1ed1i chi tr\u1ea3, phi\u1ebfu th\u00f4ng tin \u0111i\u1ec1u tr\u1ecb, \u0111\u01a1n thu\u1ed1c, gi\u1ea5y gi\u1edbi thi\u1ec7u, h\u00f3a \u0111\u01a1n v\u00e0 bi\u00ean lai thanh to\u00e1n. Ti\u1ebfp theo, h\u00e3y so s\u00e1nh t\u00ean d\u1ecbch v\u1ee5 v\u1edbi ph\u1ea1m vi b\u1ea3o hi\u1ec3m. Ki\u1ec3m tra xem vi\u1ec7c t\u1eeb ch\u1ed1i c\u00f3 ph\u1ea3i do \u0111i\u1ec1u kho\u1ea3n lo\u1ea1i tr\u1eeb, gi\u1edbi h\u1ea1n, th\u1eddi gian ch\u1edd, ph\u1ea1m vi \u0111\u1ecba l\u00fd hay sai s\u00f3t trong th\u1ee7 t\u1ee5c hay kh\u00f4ng.<\/p>\n<p>B\u01b0\u1edbc ti\u1ebfp theo l\u00e0 g\u1eedi \u0111\u01a1n khi\u1ebfu n\u1ea1i. H\u00e3y vi\u1ebft ng\u1eafn g\u1ecdn v\u1ec1 n\u1ed9i dung v\u1ee5 vi\u1ec7c, s\u1ed1 ti\u1ec1n ch\u01b0a \u0111\u01b0\u1ee3c chi tr\u1ea3 v\u00e0 l\u00fd do t\u1ea1i sao b\u1ea1n cho r\u1eb1ng quy\u1ebft \u0111\u1ecbnh \u0111\u00f3 l\u00e0 sai. N\u00ean n\u00eau r\u00f5 c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee5 th\u1ec3 trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU), h\u1ed3 s\u01a1 y t\u1ebf v\u00e0 c\u00e1c ch\u1ee9ng t\u1eeb thanh to\u00e1n. N\u1ebfu vi\u1ec7c \u0111i\u1ec1u tr\u1ecb l\u00e0 kh\u1ea9n c\u1ea5p, h\u00e3y m\u00f4 t\u1ea3 th\u00eam ho\u00e0n c\u1ea3nh v\u00e0 l\u00fd do kh\u00f4ng th\u1ec3 xin s\u1ef1 \u0111\u1ed3ng \u00fd tr\u01b0\u1edbc t\u1eeb b\u1ed9 ph\u1eadn h\u1ed7 tr\u1ee3. H\u00e3y n\u1ed9p \u0111\u01a1n khi\u1ebfu n\u1ea1i b\u1eb1ng v\u0103n b\u1ea3n ho\u1eb7c qua m\u1eabu \u0111\u01a1n ch\u00ednh th\u1ee9c \u0111\u1ec3 l\u01b0u l\u1ea1i h\u1ed3 s\u01a1 v\u1ee5 vi\u1ec7c.<\/p>\n<p>N\u1ebfu c\u00e2u tr\u1ea3 l\u1eddi v\u1eabn l\u00e0 kh\u00f4ng, h\u00e3y y\u00eau c\u1ea7u xem x\u00e9t l\u1ea1i v\u1ee5 vi\u1ec7c, nh\u1edd s\u1ef1 h\u1ed7 tr\u1ee3 c\u1ee7a Thanh tra T\u00e0i ch\u00ednh ho\u1eb7c so s\u00e1nh h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m n\u00e0y v\u1edbi c\u00e1c gi\u1ea3i ph\u00e1p kh\u00e1c d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i. Trong m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p, b\u1ea1n c\u0169ng n\u00ean xem x\u00e9t kh\u1ea3 n\u0103ng <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<\/div>\n<div class=\"wp-block-kadence-rowlayout\">\n<div class=\"wp-block-kadence-column\">\n<div class=\"wp-block-kadence-advancedtext\">\n<h3>C\u1ea7n chu\u1ea9n b\u1ecb nh\u1eefng gi\u1ea5y t\u1edd n\u00e0o?<\/h3>\n<p>T\u1ed1t nh\u1ea5t l\u00e0 n\u00ean chu\u1ea9n b\u1ecb \u0111\u1ea7y \u0111\u1ee7 h\u1ed3 s\u01a1 ngay t\u1eeb \u0111\u1ea7u, v\u00ec ch\u1ec9 thi\u1ebfu m\u1ed9t t\u00e0i li\u1ec7u k\u00e8m theo c\u0169ng c\u00f3 th\u1ec3 khi\u1ebfn th\u1ee7 t\u1ee5c k\u00e9o d\u00e0i. C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m th\u01b0\u1eddng y\u00eau c\u1ea7u c\u00e1c t\u00e0i li\u1ec7u ph\u1ea3i ghi r\u00f5 t\u00ean ng\u01b0\u1eddi v\u00e0 d\u1ec5 \u0111\u1ecdc.<\/p>\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>H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung:<\/strong> x\u00e1c nh\u1eadn ph\u1ea1m vi b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c gi\u1edbi h\u1ea1n.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>Quy\u1ebft \u0111\u1ecbnh t\u1eeb ch\u1ed1i:<\/strong> t\u1ed1t nh\u1ea5t l\u00e0 k\u00e8m theo v\u0103n b\u1ea3n gi\u1ea3i tr\u00ecnh.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>H\u1ed3 s\u01a1 y t\u1ebf:<\/strong> ch\u1ea9n \u0111o\u00e1n, khuy\u1ebfn c\u00e1o, gi\u1ea5y xu\u1ea5t vi\u1ec7n, gi\u1ea5y gi\u1edbi thi\u1ec7u.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>H\u00f3a \u0111\u01a1n v\u00e0 bi\u00ean lai:<\/strong> ghi t\u00ean, k\u00e8m m\u00f4 t\u1ea3 d\u1ecbch v\u1ee5.<\/span><\/li>\n<li class=\"kt-svg-icon-list-item\"><span class=\"kt-svg-icon-list-text\"><strong>B\u1eb1ng ch\u1ee9ng thanh to\u00e1n:<\/strong> x\u00e1c nh\u1eadn chuy\u1ec3n kho\u1ea3n ho\u1eb7c thanh to\u00e1n b\u1eb1ng th\u1ebb.<\/span><\/li>\n<\/ul>\n<\/div>\n<\/div>\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 Quan tr\u1ecdng<\/h4>\n<p class=\"kt-blocks-info-box-text\">\u0110\u1eebng ch\u1ec9 d\u1ef1a v\u00e0o t\u00ean s\u1ea3n ph\u1ea9m. Vi\u1ec7c h\u00f3a \u0111\u01a1n c\u00f3 \u0111\u01b0\u1ee3c thanh to\u00e1n hay kh\u00f4ng ph\u1ee5 thu\u1ed9c v\u00e0o c\u00e1c gi\u1edbi h\u1ea1n, \u0111\u1ecbnh ngh\u0129a v\u1ec1 quy\u1ec1n l\u1ee3i v\u00e0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU).<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"wp-block-kadence-advancedheading\">\n<h2 id=\"jak-ograniczyc-ryzyko\" class=\"kt-adv-heading\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 gi\u1ea3m thi\u1ec3u r\u1ee7i ro g\u1eb7p ph\u1ea3i c\u00e1c v\u1ea5n \u0111\u1ec1?<\/h2>\n<\/div>\n<div class=\"wp-block-kadence-advancedtext\">\n<p>C\u00e1ch b\u1ea3o v\u1ec7 t\u1ed1t nh\u1ea5t tr\u01b0\u1edbc c\u00e1c tranh ch\u1ea5p l\u00e0 m\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p v\u1edbi t\u00ecnh h\u00ecnh th\u1ef1c t\u1ebf. Ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i l\u00e0m c\u00f4ng vi\u1ec7c lao \u0111\u1ed9ng ch\u00e2n tay, sinh vi\u00ean ho\u1eb7c nh\u1eefng ng\u01b0\u1eddi c\u00f3 k\u1ebf ho\u1ea1ch l\u01b0u tr\u00fa d\u00e0i h\u1ea1n s\u1ebd c\u1ea7n c\u00e1c ph\u1ea1m vi b\u1ea3o hi\u1ec3m kh\u00e1c nhau. Tr\u01b0\u1edbc khi mua, h\u00e3y ki\u1ec3m tra m\u1ee9c b\u1ea3o hi\u1ec3m, \u0111i\u1ec1u tr\u1ecb ngo\u1ea1i tr\u00fa, nh\u1eadp vi\u1ec7n, b\u1ec7nh m\u00e3n t\u00ednh, ph\u1ea1m vi thu\u1ed1c men, d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3 c\u0169ng nh\u01b0 c\u00e1c y\u00eau c\u1ea7u li\u00ean quan \u0111\u1ebfn th\u1ecb th\u1ef1c ho\u1eb7c th\u1ebb c\u01b0 tr\u00fa. S\u1ebd r\u1ea5t h\u1eefu \u00edch n\u1ebfu b\u1ea1n so s\u00e1nh v\u1edbi b\u00e0i vi\u1ebft 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\u1ea3ng x\u1ebfp h\u1ea1ng c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n<\/a>.<\/p>\n<p>B\u1ea1n c\u0169ng n\u00ean t\u00ecm hi\u1ec3u tr\u01b0\u1edbc c\u00e1ch th\u1ee9c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a \u0111\u01b0\u1eddng d\u00e2y n\u00f3ng y t\u1ebf v\u00e0 th\u1eddi \u0111i\u1ec3m c\u1ea7n th\u00f4ng b\u00e1o v\u1ec1 vi\u1ec7c \u0111i\u1ec1u tr\u1ecb tr\u01b0\u1edbc khi \u0111\u1ebfn kh\u00e1m. Trong nhi\u1ec1u h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, vi\u1ec7c nh\u1eadp vi\u1ec7n do trung t\u00e2m c\u1ea5p c\u1ee9u s\u1eafp x\u1ebfp th\u01b0\u1eddng \u0111\u01b0\u1ee3c thanh to\u00e1n d\u1ec5 d\u00e0ng h\u01a1n so v\u1edbi c\u00e1c d\u1ecbch v\u1ee5 y t\u1ebf m\u00e0 b\u1ea1n t\u1ef1 chi tr\u1ea3. N\u1ebfu t\u00ecnh tr\u1ea1ng c\u01b0 tr\u00fa c\u1ee7a b\u1ea1n thay \u0111\u1ed5i, 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<p>Khi c\u00e1c v\u1ea5n \u0111\u1ec1 li\u00ean quan \u0111\u1ebfn chi ph\u00ed b\u1ea3o hi\u1ec3m l\u1eb7p \u0111i l\u1eb7p l\u1ea1i, b\u1ea1n n\u00ean ph\u00e2n t\u00edch kh\u00f4ng ch\u1ec9 m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m m\u00e0 c\u00f2n c\u1ea3 ph\u1ea1m vi b\u1ea3o hi\u1ec3m th\u1ef1c t\u1ebf. M\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m r\u1ebb h\u01a1n c\u00f3 th\u1ec3 \u0111i k\u00e8m v\u1edbi nhi\u1ec1u gi\u1edbi h\u1ea1n v\u00e0 \u0111i\u1ec1u kho\u1ea3n lo\u1ea1i tr\u1eeb h\u01a1n, \u0111i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 khi\u1ebfn chi ph\u00ed \u0111i\u1ec1u tr\u1ecb tr\u1edf n\u00ean \u0111\u1eaft \u0111\u1ecf h\u01a1n nhi\u1ec1u.<\/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>\u0110i\u1ec1u \u0111\u00f3 c\u00f3 ngh\u0129a l\u00e0 b\u1ea3o hi\u1ec3m kh\u00f4ng chi tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb?<\/h3>\n<p>\u0110i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u1eeb ch\u1ed1i chi tr\u1ea3 cho d\u1ecbch v\u1ee5 y t\u1ebf c\u1ee5 th\u1ec3 \u0111\u00f3 ho\u1eb7c ch\u1ec9 ho\u00e0n tr\u1ea3 m\u1ed9t ph\u1ea7n chi ph\u00ed. Nguy\u00ean nh\u00e2n c\u00f3 th\u1ec3 l\u00e0 do c\u00e1c gi\u1edbi h\u1ea1n trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb tr\u00e1ch nhi\u1ec7m, thi\u1ebfu gi\u1ea5y t\u1edd ho\u1eb7c vi\u1ec7c \u0111i\u1ec1u tr\u1ecb n\u1eb1m ngo\u00e0i ph\u1ea1m vi b\u1ea3o hi\u1ec3m.<\/p>\n<h3>Ph\u1ea3i l\u00e0m g\u00ec khi y\u00eau c\u1ea7u ho\u00e0n ti\u1ec1n b\u1ecb t\u1eeb ch\u1ed1i?<\/h3>\n<p>Tr\u01b0\u1edbc ti\u00ean, h\u00e3y y\u00eau c\u1ea7u cung c\u1ea5p v\u0103n b\u1ea3n gi\u1ea3i th\u00edch \u0111\u1ea7y \u0111\u1ee7 v\u1ec1 quy\u1ebft \u0111\u1ecbnh \u0111\u00f3. Sau \u0111\u00f3, so s\u00e1nh l\u00fd do t\u1eeb ch\u1ed1i v\u1edbi \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung, chu\u1ea9n b\u1ecb h\u1ed3 s\u01a1 y t\u1ebf v\u00e0 n\u1ed9p \u0111\u01a1n khi\u1ebfu n\u1ea1i k\u00e8m theo c\u00e1c l\u1eadp lu\u1eadn c\u1ee5 th\u1ec3 c\u00f9ng h\u00f3a \u0111\u01a1n.<\/p>\n<h3>Nh\u1eefng chi ph\u00ed n\u00e0o th\u01b0\u1eddng kh\u00f4ng \u0111\u01b0\u1ee3c chi tr\u1ea3?<\/h3>\n<p>Th\u00f4ng th\u01b0\u1eddng, c\u00e1c chi ph\u00ed \u0111i\u1ec1u tr\u1ecb b\u1eaft \u0111\u1ea7u tr\u01b0\u1edbc khi k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, \u0111i\u1ec1u tr\u1ecb ph\u1ee5c h\u1ed3i ch\u1ee9c n\u0103ng, ph\u00f2ng ng\u1eeba nha khoa, l\u01b0u tr\u00fa t\u1ea1i vi\u1ec7n d\u01b0\u1ee1ng b\u1ec7nh, ch\u1ebf \u0111\u1ed9 dinh d\u01b0\u1ee1ng \u0111\u1eb7c bi\u1ec7t ho\u1eb7c m\u1ed9t ph\u1ea7n chi ph\u00ed thu\u1ed1c men s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c chi tr\u1ea3. \u0110i\u1ec1u n\u00e0y ph\u1ee5 thu\u1ed9c nhi\u1ec1u v\u00e0o n\u1ed9i dung c\u1ee5 th\u1ec3 c\u1ee7a h\u1ee3p \u0111\u1ed3ng v\u00e0 m\u1ee9c b\u1ea3o hi\u1ec3m.<\/p>\n<h3>T\u00f4i c\u00f3 th\u1ec3 khi\u1ebfu n\u1ea1i quy\u1ebft \u0111\u1ecbnh c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00f4ng?<\/h3>\n<p>\u0110\u00fang v\u1eady, trong h\u1ea7u h\u1ebft c\u00e1c tr\u01b0\u1eddng h\u1ee3p, b\u1ea1n c\u00f3 th\u1ec3 n\u1ed9p \u0111\u01a1n khi\u1ebfu n\u1ea1i ho\u1eb7c y\u00eau c\u1ea7u xem x\u00e9t l\u1ea1i v\u1ee5 vi\u1ec7c. N\u1ebfu c\u00e1ch n\u00e0y kh\u00f4ng mang l\u1ea1i k\u1ebft qu\u1ea3, b\u1ea1n c\u00f3 th\u1ec3 nh\u1edd \u0111\u1ebfn s\u1ef1 h\u1ed7 tr\u1ee3 c\u1ee7a Thanh tra T\u00e0i ch\u00ednh ho\u1eb7c t\u00ecm ki\u1ebfm t\u01b0 v\u1ea5n ph\u00e1p l\u00fd.<\/p>\n<h3>C\u1ea7n nh\u1eefng gi\u1ea5y t\u1edd n\u00e0o \u0111\u1ec3 khi\u1ebfu n\u1ea1i?<\/h3>\n<p>Th\u00f4ng th\u01b0\u1eddng, b\u1ea1n c\u1ea7n c\u00f3 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung (OWU), quy\u1ebft \u0111\u1ecbnh t\u1eeb ch\u1ed1i, h\u1ed3 s\u01a1 y t\u1ebf, h\u00f3a \u0111\u01a1n \u0111\u1ee9ng t\u00ean v\u00e0 bi\u00ean lai thanh to\u00e1n. N\u1ebfu v\u1ee5 vi\u1ec7c li\u00ean quan \u0111\u1ebfn vi\u1ec7c l\u01b0u tr\u00fa v\u00e0 h\u1ee3p ph\u00e1p h\u00f3a, b\u1ea1n c\u0169ng n\u00ean l\u01b0u gi\u1eef c\u00e1c t\u00e0i li\u1ec7u li\u00ean quan \u0111\u1ebfn m\u1ee5c \u0111\u00edch l\u01b0u tr\u00fa c\u0169ng nh\u01b0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c.<\/p>\n<h3>C\u00f3 n\u00ean thay \u0111\u1ed5i h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m sau khi g\u1eb7p v\u1ea5n \u0111\u1ec1 v\u1ec1 vi\u1ec7c chi tr\u1ea3 chi ph\u00ed kh\u00f4ng?<\/h3>\n<p>\u0110\u00fang v\u1eady, n\u1ebfu h\u1ee3p \u0111\u1ed3ng hi\u1ec7n t\u1ea1i th\u01b0\u1eddng xuy\u00ean kh\u00f4ng \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c nhu c\u1ea7u c\u1ee7a b\u1ea1n. Tr\u01b0\u1edbc khi thay \u0111\u1ed5i, h\u00e3y ki\u1ec3m tra ph\u1ea1m vi b\u1ea3o hi\u1ec3m v\u1ec1 \u0111i\u1ec1u tr\u1ecb n\u1ed9i tr\u00fa, \u0111i\u1ec1u tr\u1ecb ngo\u1ea1i tr\u00fa, c\u00e1c b\u1ec7nh m\u00e3n t\u00ednh v\u00e0 d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3, c\u0169ng nh\u01b0 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\/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>, n\u1ebfu \u0111i\u1ec1u n\u00e0y \u00e1p d\u1ee5ng cho tr\u01b0\u1eddng h\u1ee3p c\u1ee7a b\u1ea1n.<\/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>Khi b\u1ea3o hi\u1ec3m kh\u00f4ng chi tr\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb, b\u1ea1n kh\u00f4ng n\u00ean h\u00e0nh \u0111\u1ed9ng theo c\u1ea3m t\u00ednh. Tr\u01b0\u1edbc ti\u00ean, h\u00e3y x\u00e1c \u0111\u1ecbnh l\u00fd do t\u1eeb ch\u1ed1i, ki\u1ec3m tra \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) v\u00e0 thu th\u1eadp \u0111\u1ea7y \u0111\u1ee7 h\u1ed3 s\u01a1. Sau \u0111\u00f3, n\u1ed9p \u0111\u01a1n khi\u1ebfu n\u1ea1i v\u00e0 \u0111\u00e1nh gi\u00e1 xem v\u1ea5n \u0111\u1ec1 xu\u1ea5t ph\u00e1t t\u1eeb m\u1ed9t sai s\u00f3t nh\u1ea5t th\u1eddi hay do ph\u1ea1m vi b\u1ea3o hi\u1ec3m qu\u00e1 h\u1eb9p. N\u1ebfu b\u1ea1n mu\u1ed1n tr\u00e1nh nh\u1eefng t\u00ecnh hu\u1ed1ng t\u01b0\u01a1ng t\u1ef1 trong t\u01b0\u01a1ng lai, h\u00e3y so s\u00e1nh c\u00e1c gi\u1ea3i ph\u00e1p b\u1ea3o hi\u1ec3m d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i hi\u1ec7n c\u00f3 v\u00e0 ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p v\u1edbi nhu c\u1ea7u th\u1ef1c t\u1ebf v\u1ec1 s\u1ee9c kh\u1ecfe v\u00e0 th\u1eddi gian l\u01b0u tr\u00fa c\u1ee7a b\u1ea1n.<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>\u201cKh\u00f4ng \u0111\u01b0\u1ee3c chi tr\u1ea3 chi ph\u00ed\u201d l\u00e0 t\u00ecnh hu\u1ed1ng m\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00f4ng chi tr\u1ea3 to\u00e0n b\u1ed9 ho\u1eb7c m\u1ed9t ph\u1ea7n chi ph\u00ed \u0111i\u1ec1u tr\u1ecb m\u1eb7c d\u00f9 \u0111\u00e3 c\u00f3 th\u00f4ng b\u00e1o v\u1ec1 s\u1ef1 c\u1ed1 ho\u1eb7c y\u00eau c\u1ea7u ho\u00e0n tr\u1ea3 chi ph\u00ed\u2026.<\/p>","protected":false},"author":2,"featured_media":3780,"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":[61,63,56,58,54],"class_list":["post-3781","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-najczestsze-pytania-i-problemy-cudzoziemcow","tag-koszty-leczenia-cudzoziemcow","tag-owu","tag-polisa-medyczna","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>Ubezpieczenie nie pokrywa koszt\u00f3w leczenia? - Insurance VISA<\/title>\n<meta name=\"description\" content=\"Sprawd\u017a, co robi\u0107, gdy ubezpieczenie nie pokrywa koszt\u00f3w leczenia. 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