{"id":3804,"date":"2026-09-01T00:53:13","date_gmt":"2026-08-31T22:53:13","guid":{"rendered":"https:\/\/insurancevisa.com\/?p=3804"},"modified":"2026-09-30T05:26:41","modified_gmt":"2026-09-30T03:26:41","slug":"bao-hiem-tu-nhan-danh-cho-nguoi-nuoc-ngoai-tai-ba-lan","status":"publish","type":"post","link":"https:\/\/insurancevisa.com\/vi\/poradnik\/ubezpieczenie-prywatne-dla-cudzoziemcow\/prywatne-ubezpieczenie-dla-cudzoziemcow-w-polsce\/","title":{"rendered":"B\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i \u2013 l\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 l\u1ef1a ch\u1ecdn?"},"content":{"rendered":"<p class=\"wp-block-paragraph\">G\u00f3i b\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n t\u1ed1t nh\u1ea5t d\u00e0nh cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed9t g\u00f3i duy nh\u1ea5t ph\u00f9 h\u1ee3p v\u1edbi t\u1ea5t c\u1ea3 m\u1ecdi ng\u01b0\u1eddi. Vi\u1ec7c l\u1ef1a ch\u1ecdn ph\u1ee5 thu\u1ed9c v\u00e0o m\u1ee5c \u0111\u00edch c\u1ee7a h\u1ee3p \u0111\u1ed3ng, khu v\u1ef1c \u00e1p d\u1ee5ng, th\u1eddi h\u1ea1n v\u00e0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m trong tr\u01b0\u1eddng h\u1ee3p m\u1eafc b\u1ec7nh \u0111\u1ed9t ng\u1ed9t ho\u1eb7c g\u1eb7p tai n\u1ea1n. Do \u0111\u00f3, b\u1ea1n n\u00ean b\u1eaft \u0111\u1ea7u so s\u00e1nh t\u1eeb danh s\u00e1ch c\u00e1c y\u00eau c\u1ea7u c\u1ee7a b\u1ea3n th\u00e2n, ch\u1ee9 kh\u00f4ng ph\u1ea3i t\u1eeb gi\u00e1 c\u1ea3. Hai g\u00f3i b\u1ea3o hi\u1ec3m c\u00f3 t\u00ean g\u1ecdi t\u01b0\u01a1ng t\u1ef1 nhau c\u00f3 th\u1ec3 kh\u00e1c nhau v\u1ec1 th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m, c\u00e1c \u0111i\u1ec1u kho\u1ea3n m\u1edf r\u1ed9ng v\u00e0 th\u00f4ng tin ghi tr\u00ean ch\u1ee9ng nh\u1eadn b\u1ea3o hi\u1ec3m. D\u01b0\u1edbi \u0111\u00e2y, ch\u00fang t\u00f4i s\u1ebd h\u01b0\u1edbng d\u1eabn c\u00e1ch so s\u00e1nh c\u00e1c s\u1ea3n ph\u1ea9m c\u1ee5 th\u1ec3 m\u00e0 kh\u00f4ng d\u1ef1a v\u00e0o th\u1ee9 h\u1ea1ng b\u1ec1 ngo\u00e0i, c\u0169ng nh\u01b0 c\u00e1ch ki\u1ec3m tra h\u1ee3p \u0111\u1ed3ng tr\u01b0\u1edbc khi mua.<\/p>\n\n\n\n<div class=\"wp-block-group has-theme-palette-8-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"has-medium-font-size wp-block-paragraph\"><strong>\u26a0\ufe0f Quan tr\u1ecdng<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">T\u00e0i li\u1ec7u ph\u1ea3i ph\u00f9 h\u1ee3p v\u1edbi th\u1ee7 t\u1ee5c c\u1ee5 th\u1ec3 v\u00e0 th\u1eddi gian l\u01b0u tr\u00fa th\u1ef1c t\u1ebf. H\u00e3y ki\u1ec3m tra c\u00e1c y\u00eau c\u1ea7u tr\u01b0\u1edbc khi t\u00ednh to\u00e1n, sau \u0111\u00f3 so s\u00e1nh ch\u00fang v\u1edbi th\u00f4ng tin tr\u00ean ch\u1ee9ng ch\u1ec9.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group has-theme-palette-8-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"wp-block-paragraph\"><strong>M\u1ee5c l\u1ee5c<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><a href=\"#ustal-cel-i-zakres\">X\u00e1c \u0111\u1ecbnh m\u1ee5c ti\u00eau v\u00e0 ph\u1ea1m vi c\u1ea7n thi\u1ebft<\/a><\/li>\n\n<li><a href=\"#produkty-potwierdzone-w-owu\">C\u00e1c s\u1ea3n ph\u1ea9m \u0111\u01b0\u1ee3c x\u00e1c nh\u1eadn trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung<\/a><\/li>\n\n<li><a href=\"#jak-porownac-oferty\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 so s\u00e1nh c\u00e1c \u01b0u \u0111\u00e3i<\/a><\/li>\n\n<li><a href=\"#certyfikat-i-pomoc\">Ch\u1ee9ng ch\u1ec9 v\u00e0 t\u1ed5 ch\u1ee9c h\u1ed7 tr\u1ee3<\/a><\/li>\n\n<li><a href=\"#faq\">C\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p<\/a><\/li>\n\n<li><a href=\"#wybierz-polise\">Ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m<\/a><\/li>\n<\/ol>\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"ustal-cel-i-zakres\">X\u00e1c \u0111\u1ecbnh m\u1ee5c ti\u00eau v\u00e0 ph\u1ea1m vi c\u1ea7n thi\u1ebft<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Thu\u1eadt ng\u1eef \u201eb\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n\u201d c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng cho c\u00e1c s\u1ea3n ph\u1ea9m c\u00f3 m\u1ee5c \u0111\u00edch kh\u00e1c nhau. \u1ede \u0111\u00e2y, ch\u00fang ta \u0111ang \u0111\u1ec1 c\u1eadp \u0111\u1ebfn b\u1ea3o hi\u1ec3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i, v\u1edbi ph\u1ea1m vi b\u1ea3o hi\u1ec3m li\u00ean quan \u0111\u1ebfn c\u00e1c tr\u01b0\u1eddng h\u1ee3p m\u1eafc b\u1ec7nh \u0111\u1ed9t ng\u1ed9t ho\u1eb7c tai n\u1ea1n b\u1ea5t ng\u1edd. N\u1ebfu gi\u1ea5y ch\u1ee9ng nh\u1eadn c\u1ea7n \u0111\u01b0\u1ee3c \u0111\u00ednh k\u00e8m v\u00e0o h\u1ed3 s\u01a1 h\u00e0nh ch\u00ednh, tr\u01b0\u1edbc ti\u00ean h\u00e3y ki\u1ec3m tra c\u00e1c y\u00eau c\u1ea7u c\u1ee7a c\u01a1 quan ph\u1ee5 tr\u00e1ch x\u1eed l\u00fd h\u1ed3 s\u01a1 c\u1ee5 th\u1ec3 \u0111\u00f3. \u0110\u1eebng t\u1ef1 \u0111\u1ed9ng \u00e1p d\u1ee5ng c\u00e1c quy \u0111\u1ecbnh t\u1eeb m\u1ed9t th\u1ee7 t\u1ee5c kh\u00e1c.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc ti\u00ean, h\u00e3y \u0111\u1ecdc xem \u0111i\u1ec3m kh\u00e1c bi\u1ec7t l\u00e0 g\u00ec <a href=\"https:\/\/insurancevisa.com\/vi\/huong-dan\/bao-hiem-can-thiet-cho-visa-va-the-cu-tru\/bao-hiem-tu-nhan-va-thi-thuc-va-the-cu-tru\/\">B\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n khi xin th\u1ecb th\u1ef1c v\u00e0 th\u1ebb c\u01b0 tr\u00fa<\/a>. Sau \u0111\u00f3, h\u00e3y ghi r\u00f5 m\u1ee5c \u0111\u00edch c\u1ee7a t\u00e0i li\u1ec7u, qu\u1ed1c gia l\u01b0u tr\u00fa, ng\u00e0y b\u1eaft \u0111\u1ea7u v\u00e0 ng\u00e0y k\u1ebft th\u00fac th\u1eddi gian c\u1ea7n \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7, c\u0169ng nh\u01b0 c\u00e1c th\u00f4ng tin b\u1eaft bu\u1ed9c ph\u1ea3i c\u00f3 tr\u00ean gi\u1ea5y ch\u1ee9ng nh\u1eadn.<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-itemsb6f74c26-checklist:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsb6f74c26-checklist ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsb6f74c26-checklist ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-itemsb6f74c26-checklist ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-itemsb6f74c26-checklist ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-itemsb6f74c26-checklist kt-svg-icon-list-columns-1 alignnone kt-mobile-svg-icon-list-columns-1\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-b6f74c26-check-1 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-b6f74c26-check-1 kt-svg-icon-list-style-default\"><span class=\"kadence-dynamic-icon\" data-name=\"check\" data-class=\"kt-svg-icon-list-single\"><\/span><span class=\"kt-svg-icon-list-text\">X\u00e1c \u0111\u1ecbnh \u0111\u1ecba \u0111i\u1ec3m v\u00e0 m\u1ee5c \u0111\u00edch m\u00e0 b\u1ea1n s\u1ebd n\u1ed9p t\u00e0i li\u1ec7u.<\/span><\/li>\n<style>.kt-svg-icon-list-item-b6f74c26-check-2 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-b6f74c26-check-2 kt-svg-icon-list-style-default\"><span class=\"kadence-dynamic-icon\" data-name=\"check\" data-class=\"kt-svg-icon-list-single\"><\/span><span class=\"kt-svg-icon-list-text\">H\u00e3y ghi l\u1ea1i ch\u00ednh x\u00e1c ng\u00e0y th\u00e1ng v\u00e0 khu v\u1ef1c l\u01b0u tr\u00fa.<\/span><\/li>\n<style>.kt-svg-icon-list-item-b6f74c26-check-3 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-b6f74c26-check-3 kt-svg-icon-list-style-default\"><span class=\"kadence-dynamic-icon\" data-name=\"check\" data-class=\"kt-svg-icon-list-single\"><\/span><span class=\"kt-svg-icon-list-text\">X\u00e1c \u0111\u1ecbnh ph\u1ea1m vi c\u1ea7n thi\u1ebft \u0111\u1ec3 \u1ee9ng ph\u00f3 v\u1edbi c\u00e1c s\u1ef1 c\u1ed1 kh\u1ea9n c\u1ea5p.<\/span><\/li>\n<style>.kt-svg-icon-list-item-b6f74c26-check-4 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-b6f74c26-check-4 kt-svg-icon-list-style-default\"><span class=\"kadence-dynamic-icon\" data-name=\"check\" data-class=\"kt-svg-icon-list-single\"><\/span><span class=\"kt-svg-icon-list-text\">Li\u1ec7t k\u00ea c\u00e1c ho\u1ea1t \u0111\u1ed9ng v\u00e0 tr\u01b0\u1eddng h\u1ee3p c\u1ea7n \u0111\u01b0\u1ee3c ki\u1ec3m tra trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung.<\/span><\/li>\n<style>.kt-svg-icon-list-item-b6f74c26-check-5 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-b6f74c26-check-5 kt-svg-icon-list-style-default\"><span class=\"kadence-dynamic-icon\" data-name=\"check\" data-class=\"kt-svg-icon-list-single\"><\/span><span class=\"kt-svg-icon-list-text\">H\u00e3y so s\u00e1nh c\u00e1c th\u00f4ng s\u1ed1 gi\u1ed1ng nhau trong m\u1ed7i ph\u00e9p t\u00ednh.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Danh s\u00e1ch n\u00e0y gi\u00fap tr\u00e1nh vi\u1ec7c so s\u00e1nh c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m ch\u1ec9 \u0111\u00e1p \u1ee9ng c\u00e1c nhu c\u1ea7u kh\u00e1c. M\u1ee9c b\u1ea3o hi\u1ec3m cao kh\u00f4ng t\u1ef1 n\u00f3 thay \u0111\u1ed5i ph\u1ea1m vi b\u1ea3o hi\u1ec3m hay th\u1eddi h\u1ea1n. Ph\u1ea1m vi b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong c\u00e1c t\u00e0i li\u1ec7u h\u1ee3p \u0111\u1ed3ng, v\u00e0 c\u00e1c th\u00f4ng s\u1ed1 \u0111\u00e3 ch\u1ecdn ph\u1ea3i ph\u00f9 h\u1ee3p v\u1edbi ch\u1ee9ng ch\u1ec9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc khi b\u1eaft \u0111\u1ea7u t\u00ednh to\u00e1n, h\u00e3y chu\u1ea9n b\u1ecb d\u1eef li\u1ec7u ch\u00ednh x\u00e1c theo \u0111\u00fang \u0111\u1ecbnh d\u1ea1ng m\u00e0 b\u1ea1n mu\u1ed1n hi\u1ec3n th\u1ecb tr\u00ean t\u00e0i li\u1ec7u. S\u1ef1 kh\u00e1c bi\u1ec7t v\u1ec1 c\u00e1ch vi\u1ebft t\u00ean, s\u1ed1 t\u00e0i li\u1ec7u ho\u1eb7c ng\u00e0y th\u00e1ng c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn vi\u1ec7c ph\u1ea3i \u0111i\u1ec1u ch\u1ec9nh sau n\u00e0y. N\u1ebfu b\u1ea1n ch\u01b0a bi\u1ebft ng\u00e0y k\u1ebft th\u00fac th\u1eddi gian l\u01b0u tr\u00fa, \u0111\u1eebng ch\u1ecdn ng\u1eabu nhi\u00ean. Tr\u01b0\u1edbc ti\u00ean, h\u00e3y x\u00e1c \u0111\u1ecbnh kho\u1ea3ng th\u1eddi gian m\u00e0 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m th\u1ef1c s\u1ef1 s\u1ebd bao g\u1ed3m, sau \u0111\u00f3 m\u1edbi \u0111\u1eb7t mua ch\u1ee9ng nh\u1eadn.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"produkty-potwierdzone-w-owu\">C\u00e1c s\u1ea3n ph\u1ea9m \u0111\u01b0\u1ee3c x\u00e1c nh\u1eadn trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00e1c b\u1ea3ng th\u00f4ng tin d\u01b0\u1edbi \u0111\u00e2y ch\u1ec9 tr\u00ecnh b\u00e0y c\u00e1c n\u1ed9i dung \u0111\u00e3 \u0111\u01b0\u1ee3c x\u00e1c nh\u1eadn trong c\u00e1c t\u00e0i li\u1ec7u \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU) \u0111\u00e3 \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn. \u0110\u00e2y kh\u00f4ng ph\u1ea3i l\u00e0 b\u1ea3ng x\u1ebfp h\u1ea1ng gi\u00e1 c\u1ea3 hay so s\u00e1nh \u0111\u1ea7y \u0111\u1ee7 c\u00e1c \u0111i\u1ec1u ki\u1ec7n. N\u1ebfu m\u1ed9t th\u00f4ng tin n\u00e0o \u0111\u00f3 kh\u00f4ng c\u00f3 trong b\u1ea3ng, \u0111i\u1ec1u \u0111\u00f3 c\u00f3 ngh\u0129a l\u00e0 th\u00f4ng s\u1ed1 \u0111\u00f3 c\u1ea7n \u0111\u01b0\u1ee3c ki\u1ec3m tra trong b\u1ed9 t\u00e0i li\u1ec7u \u0111\u1ea7y \u0111\u1ee7 c\u1ee7a \u0111\u1ec1 xu\u1ea5t c\u1ee5 th\u1ec3 \u0111\u00f3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00e1c b\u1ea3ng th\u00f4ng s\u1ed1 c\u1ea7n \u0111\u01b0\u1ee3c xem x\u00e9t \u0111\u1ed9c l\u1eadp. Vi\u1ec7c x\u00e1c nh\u1eadn m\u1ed9t th\u00f4ng s\u1ed1 trong s\u1ea3n ph\u1ea9m kh\u00f4ng c\u00f3 ngh\u0129a l\u00e0 c\u00e1c y\u1ebfu t\u1ed1 c\u00f2n l\u1ea1i trong ph\u1ea1m vi \u0111\u00f3 c\u0169ng gi\u1ed1ng nh\u01b0 trong \u0111\u1ec1 xu\u1ea5t kh\u00e1c. C\u0169ng kh\u00f4ng th\u1ec3 \u0111\u01b0a ra k\u1ebft lu\u1eadn v\u1ec1 gi\u00e1 ch\u1ec9 d\u1ef1a tr\u00ean n\u1ed9i dung m\u00f4 t\u1ea3 trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n Chung (OWU). \u0110\u1ec3 so s\u00e1nh chi ph\u00ed, c\u1ea7n c\u00f3 c\u00e1c b\u1ea3n t\u00ednh to\u00e1n c\u1eadp nh\u1eadt \u0111\u01b0\u1ee3c l\u1eadp d\u1ef1a tr\u00ean c\u00e1c d\u1eef li\u1ec7u gi\u1ed1ng h\u1ec7t nhau.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"compensa-cudzoziemiec-owu-2026\">Compensa \u2014 \u0110i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chung c\u1ee7a Compensa Cudzoziemiec, 2026<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Th\u00f4ng s\u1ed1 \u0111\u00e3 \u0111\u01b0\u1ee3c x\u00e1c nh\u1eadn:<\/strong> Ch\u1ebf \u0111\u1ed9 b\u1ea3o hi\u1ec3m n\u00e0y \u00e1p d\u1ee5ng cho c\u00e1c chi ph\u00ed t\u00e0i ch\u00ednh ph\u00e1t sinh t\u1eeb vi\u1ec7c \u0111i\u1ec1u tr\u1ecb sau khi b\u1ecb b\u1ec7nh \u0111\u1ed9t ng\u1ed9t ho\u1eb7c g\u1eb7p tai n\u1ea1n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>L\u01b0u \u00fd:<\/strong> \u0110i\u1ec1u kho\u1ea3n n\u00e0y x\u00e1c nh\u1eadn ph\u1ea1m vi b\u1ea3o hi\u1ec3m chung. S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m, ph\u1ea1m vi \u0111\u1ecba l\u00fd, c\u00e1c ph\u01b0\u01a1ng \u00e1n b\u1ea3o hi\u1ec3m, c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb c\u0169ng nh\u01b0 quy tr\u00ecnh x\u1eed l\u00fd s\u1ef1 c\u1ed1 c\u1ea7n \u0111\u01b0\u1ee3c ki\u1ec3m tra trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU) \u0111\u1ea7y \u0111\u1ee7 v\u00e0 Gi\u1ea5y ch\u1ee9ng nh\u1eadn \u0111\u01b0\u1ee3c l\u1eadp ri\u00eang cho g\u00f3i b\u1ea3o hi\u1ec3m c\u1ee5 th\u1ec3 \u0111\u00f3.<\/p>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"tuz-klc-owu-2026\">TUZ \u2014 \u0110i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m chung v\u1ec1 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i, 2026<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Th\u00f4ng s\u1ed1 \u0111\u00e3 \u0111\u01b0\u1ee3c x\u00e1c nh\u1eadn:<\/strong> T\u00e0i li\u1ec7u n\u00e0y m\u00f4 t\u1ea3 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i \u0111ang l\u01b0u tr\u00fa t\u1ea1i Ba Lan, ng\u01b0\u1eddi ph\u1ea3i \u0111\u01b0\u1ee3c \u0111i\u1ec1u tr\u1ecb ngay l\u1eadp t\u1ee9c do m\u1eafc b\u1ec7nh \u0111\u1ed9t ng\u1ed9t ho\u1eb7c g\u1eb7p tai n\u1ea1n b\u1ea5t ng\u1edd x\u1ea3y ra trong th\u1eddi gian c\u00f3 hi\u1ec7u l\u1ef1c c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>L\u01b0u \u00fd:<\/strong> N\u1ed9i dung n\u00e0y x\u00e1c nh\u1eadn \u0111i\u1ec1u ki\u1ec7n v\u1ec1 s\u1ef1 c\u1ed1 kh\u1ea9n c\u1ea5p v\u00e0 l\u00e3nh th\u1ed5 Ba Lan. N\u1ed9i dung n\u00e0y kh\u00f4ng x\u00e1c nh\u1eadn gi\u00e1 hi\u1ec7n t\u1ea1i, danh m\u1ee5c \u0111\u1ea7y \u0111\u1ee7 c\u00e1c d\u1ecbch v\u1ee5, t\u1ea5t c\u1ea3 c\u00e1c gi\u1edbi h\u1ea1n c\u0169ng nh\u01b0 t\u00ednh ph\u00f9 h\u1ee3p c\u1ee7a s\u1ea3n ph\u1ea9m trong m\u1ecdi th\u1ee7 thu\u1eadt.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-theme-palette-8-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"has-medium-font-size wp-block-paragraph\"><strong>\u26a0\ufe0f Ch\u1ebf \u0111\u1ed9 m\u1edf r\u1ed9ng kh\u00f4ng t\u1ef1 \u0111\u1ed9ng k\u00edch ho\u1ea1t<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m Chung (OWU) c\u1ee7a TUZ n\u0103m 2026, b\u1ea3o hi\u1ec3m tai n\u1ea1n (NNW) v\u00e0 b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 (OC) trong \u0111\u1eddi s\u1ed1ng c\u00e1 nh\u00e2n l\u00e0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n b\u1ed5 sung, \u0111\u01b0\u1ee3c cung c\u1ea5p theo y\u00eau c\u1ea7u v\u00e0 v\u1edbi m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m b\u1ed5 sung. H\u00e3y x\u00e1c nh\u1eadn s\u1ef1 hi\u1ec7n di\u1ec7n c\u1ee7a c\u00e1c \u0111i\u1ec1u kho\u1ea3n n\u00e0y tr\u00ean h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.<\/p>\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-porownac-oferty\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 so s\u00e1nh c\u00e1c \u01b0u \u0111\u00e3i<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">B\u1ea1n c\u00f3 th\u1ec3 t\u00ecm th\u1ea5y danh s\u00e1ch c\u00e2u h\u1ecfi \u0111\u1ea7y \u0111\u1ee7 h\u01a1n trong c\u1ea9m nang <a href=\"https:\/\/insurancevisa.com\/vi\/huong-dan\/bao-hiem-tu-nhan-cho-nguoi-nuoc-ngoai\/lam-the-nao-de-chon-bao-hiem-y-te-tu-nhan-o-ba-lan-huong-dan\/\">C\u00e1ch ch\u1ecdn b\u1ea3o hi\u1ec3m y t\u1ebf t\u01b0 nh\u00e2n t\u1ea1i Ba Lan<\/a>. H\u00e3y chu\u1ea9n b\u1ecb m\u1ed9t trang ri\u00eang cho m\u1ed7i b\u1ea3n t\u00ednh to\u00e1n. Nh\u1edd \u0111\u00f3, b\u1ea1n s\u1ebd kh\u00f4ng nh\u1ea7m l\u1eabn th\u00f4ng tin trong ph\u1ea7n m\u00f4 t\u1ea3 b\u00e1n h\u00e0ng v\u1edbi c\u00e1c \u0111i\u1ec1u kho\u1ea3n h\u1ee3p \u0111\u1ed3ng.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"terytorium-i-daty\">L\u00e3nh th\u1ed5 v\u00e0 th\u1eddi gian<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y ghi r\u00f5 t\u00ean ch\u00ednh x\u00e1c c\u1ee7a khu b\u1ea3o t\u1ed3n c\u0169ng nh\u01b0 ph\u1ea1m vi tr\u00e1ch nhi\u1ec7m t\u1eeb \u0111i\u1ec3m b\u1eaft \u0111\u1ea7u \u0111\u1ebfn \u0111i\u1ec3m k\u1ebft th\u00fac. \u0110\u1eebng coi c\u00e1c c\u00e1ch g\u1ecdi kh\u00e1c nhau v\u1ec1 l\u00e3nh th\u1ed5 l\u00e0 t\u01b0\u01a1ng \u0111\u01b0\u01a1ng nhau. H\u00e3y so s\u00e1nh c\u00e1c \u0111\u1ec1 xu\u1ea5t bao g\u1ed3m c\u00f9ng m\u1ed9t khu v\u1ef1c v\u00e0 c\u00f9ng m\u1ed9t kho\u1ea3ng th\u1eddi gian, ho\u1eb7c n\u00eau r\u00f5 s\u1ef1 kh\u00e1c bi\u1ec7t.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"suma-i-zakres\">T\u1ed5ng s\u1ed1 v\u00e0 ph\u1ea1m vi<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y t\u1ed5ng h\u1ee3p c\u00e1c kho\u1ea3n ti\u1ec1n c\u00f3 c\u00f9ng \u0111\u01a1n v\u1ecb ti\u1ec1n t\u1ec7 v\u00e0 li\u00ean quan \u0111\u1ebfn c\u00f9ng m\u1ed9t ph\u1ea1m vi. Sau \u0111\u00f3, h\u00e3y ki\u1ec3m tra \u0111\u1ecbnh ngh\u0129a v\u1ec1 b\u1ec7nh \u0111\u1ed9t ng\u1ed9t v\u00e0 tai n\u1ea1n b\u1ea5t ng\u1edd. Trong c\u00e1c t\u00e0i li\u1ec7u \u0111\u00e3 \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn, c\u1ea3 Compensa Cudzoziemiec l\u1eabn s\u1ea3n ph\u1ea9m c\u1ee7a TUZ \u0111\u1ec1u li\u00ean k\u1ebft ph\u1ea1m vi \u0111\u01b0\u1ee3c m\u00f4 t\u1ea3 v\u1edbi c\u00e1c s\u1ef1 ki\u1ec7n \u0111\u1ed9t ng\u1ed9t n\u00f3i tr\u00ean.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"rozszerzenia-i-wylaczenia\">C\u00e1c \u0111i\u1ec1u kho\u1ea3n m\u1edf r\u1ed9ng v\u00e0 lo\u1ea1i tr\u1eeb<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y ph\u00e2n bi\u1ec7t r\u00f5 ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u01a1 b\u1ea3n v\u1edbi c\u00e1c t\u00f9y ch\u1ecdn b\u1ed5 sung. Ki\u1ec3m tra xem ph\u1ea7n m\u1edf r\u1ed9ng c\u1ea7n thi\u1ebft \u0111\u00e3 \u0111\u01b0\u1ee3c ch\u1ecdn trong \u0111\u01a1n y\u00eau c\u1ea7u v\u00e0 c\u00f3 \u0111\u01b0\u1ee3c ghi r\u00f5 tr\u00ean h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m hay ch\u01b0a. H\u00e3y \u0111\u1ecdc k\u1ef9 c\u00e1c \u0111i\u1ec1u kho\u1ea3n lo\u1ea1i tr\u1eeb li\u00ean quan \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng d\u1ef1 ki\u1ebfn, ho\u00e0n c\u1ea3nh x\u1ea3y ra s\u1ef1 c\u1ed1 v\u00e0 th\u1eddi \u0111i\u1ec3m b\u1eaft \u0111\u1ea7u ch\u1ecbu tr\u00e1ch nhi\u1ec7m. Kh\u00f4ng th\u00eam v\u00e0o danh s\u00e1ch c\u00e1c th\u00f4ng s\u1ed1 m\u00e0 b\u1ea1n ch\u01b0a th\u1ec3 x\u00e1c nh\u1eadn.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"cena-na-koncu\">Gi\u00e1 \u1edf cu\u1ed1i<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ch\u1ec9 n\u00ean so s\u00e1nh gi\u00e1 sau khi \u0111\u00e3 th\u1ed1ng nh\u1ea5t c\u00e1c th\u00f4ng tin: c\u00f9ng m\u1ed9t \u0111\u1ed1i t\u01b0\u1ee3ng, c\u00f9ng ng\u00e0y th\u00e1ng, c\u00f9ng khu v\u1ef1c, c\u00f9ng ph\u1ea1m vi b\u1ea3o hi\u1ec3m v\u00e0 c\u00f9ng c\u00e1c \u0111i\u1ec1u kho\u1ea3n m\u1edf r\u1ed9ng. N\u1ebfu kh\u00f4ng c\u00f3 nh\u1eefng t\u00ednh to\u00e1n n\u00e0y, s\u1ebd kh\u00f4ng th\u1ec3 x\u00e1c \u0111\u1ecbnh m\u1ed9t c\u00e1ch ch\u00ednh x\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m n\u00e0o r\u1ebb nh\u1ea5t ho\u1eb7c t\u1ed1t nh\u1ea5t. N\u1ebfu \u0111\u1ec1 xu\u1ea5t kh\u00f4ng n\u00eau r\u00f5 m\u1ed9t th\u00f4ng s\u1ed1 quan tr\u1ecdng n\u00e0o \u0111\u00f3, h\u00e3y \u0111\u00e1nh d\u1ea5u n\u00f3 l\u00e0 \u201ech\u1edd x\u00e1c nh\u1eadn\u201d thay v\u00ec ph\u1ecfng \u0111o\u00e1n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Trong b\u1ea3ng so s\u00e1nh th\u1ef1c t\u1ebf, h\u00e3y \u0111i\u1ec1n t\u00ean c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 t\u00ean s\u1ea3n ph\u1ea9m, n\u0103m ho\u1eb7c phi\u00ean b\u1ea3n \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU), g\u00f3i b\u1ea3o hi\u1ec3m, ng\u00e0y t\u00ednh to\u00e1n v\u00e0 t\u1ea5t c\u1ea3 c\u00e1c t\u00f9y ch\u1ecdn \u0111\u00e3 ch\u1ecdn. B\u00ean c\u1ea1nh m\u1ed7i ti\u00eau ch\u00ed quan tr\u1ecdng, h\u00e3y ghi r\u00f5 ngu\u1ed3n th\u00f4ng tin: \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU), ch\u1ee9ng ch\u1ec9 ho\u1eb7c c\u00e2u tr\u1ea3 l\u1eddi nh\u1eadn \u0111\u01b0\u1ee3c tr\u01b0\u1edbc khi mua. C\u00e1ch ghi ch\u00e9p n\u00e0y gi\u00fap d\u1ec5 d\u00e0ng nh\u1eadn ra s\u1ef1 kh\u00e1c bi\u1ec7t v\u00e0 cho ph\u00e9p b\u1ea1n quay l\u1ea1i t\u00e0i li\u1ec7u ph\u00f9 h\u1ee3p m\u00e0 kh\u00f4ng c\u1ea7n ph\u1ea3i t\u00ecm ki\u1ebfm trong nhi\u1ec1u t\u1ec7p tin.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u1eebng coi c\u1ee5m t\u1eeb \u201ethi\u1ebfu th\u00f4ng tin\u201d l\u00e0 \u0111\u1ed3ng ngh\u0129a v\u1edbi \u201ethi\u1ebfu b\u1ea3o v\u1ec7\u201d. C\u1ee5m t\u1eeb n\u00e0y ch\u1ec9 c\u00f3 ngh\u0129a l\u00e0 \u1edf giai \u0111o\u1ea1n hi\u1ec7n t\u1ea1i, ch\u01b0a c\u00f3 c\u01a1 s\u1edf \u0111\u1ec3 x\u00e1c nh\u1eadn th\u00f4ng s\u1ed1 \u0111\u00f3. C\u00e1ch an to\u00e0n nh\u1ea5t l\u00e0 l\u00e0m r\u00f5 v\u1ea5n \u0111\u1ec1 n\u00e0y tr\u01b0\u1edbc khi k\u00fd k\u1ebft h\u1ee3p \u0111\u1ed3ng v\u00e0 l\u01b0u gi\u1eef c\u00e2u tr\u1ea3 l\u1eddi c\u00f9ng v\u1edbi c\u00e1c t\u00e0i li\u1ec7u mua h\u00e0ng.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cu\u1ed1i c\u00f9ng, h\u00e3y so s\u00e1nh t\u1eebng m\u1ee5c m\u1ed9t gi\u1eefa phi\u1ebfu c\u1ee7a b\u1ea1n v\u1edbi ch\u1ee9ng ch\u1ec9 \u0111\u00e3 ho\u00e0n t\u1ea5t. N\u1ebfu t\u00e0i li\u1ec7u c\u00f3 s\u1ef1 kh\u00e1c bi\u1ec7t so v\u1edbi b\u1ea3n t\u00ednh to\u00e1n \u0111\u00e3 \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn, h\u00e3y l\u00e0m r\u00f5 s\u1ef1 kh\u00e1c bi\u1ec7t \u0111\u00f3 tr\u01b0\u1edbc khi s\u1eed d\u1ee5ng ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"certyfikat-i-pomoc\">Ch\u1ee9ng ch\u1ec9 v\u00e0 t\u1ed5 ch\u1ee9c h\u1ed7 tr\u1ee3<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc khi thanh to\u00e1n g\u00f3i d\u1ecbch v\u1ee5, h\u00e3y x\u00e1c \u0111\u1ecbnh r\u00f5 nh\u1eefng th\u00f4ng tin n\u00e0o s\u1ebd \u0111\u01b0\u1ee3c ghi tr\u00ean ch\u1ee9ng ch\u1ec9. Sau khi nh\u1eadn \u0111\u01b0\u1ee3c ch\u1ee9ng ch\u1ec9, h\u00e3y \u0111\u1ed1i chi\u1ebfu t\u00e0i li\u1ec7u n\u00e0y v\u1edbi c\u00e1c th\u00f4ng tin trong \u0111\u01a1n \u0111\u0103ng k\u00fd v\u00e0 b\u1ea3ng t\u00ednh. H\u00e3y ki\u1ec3m tra h\u1ecd t\u00ean, c\u00e1c th\u00f4ng tin nh\u1eadn d\u1ea1ng kh\u00e1c, khu v\u1ef1c, ng\u00e0y th\u00e1ng, t\u1ed5ng s\u1ed1 ti\u1ec1n v\u00e0 \u0111\u01a1n v\u1ecb ti\u1ec1n t\u1ec7, t\u00ean s\u1ea3n ph\u1ea9m, c\u00e1c t\u00f9y ch\u1ecdn m\u1edf r\u1ed9ng \u0111\u00e3 ch\u1ecdn, s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 th\u00f4ng tin trung t\u00e2m h\u1ed7 tr\u1ee3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u1ebfu ph\u00e1t hi\u1ec7n l\u1ed7i, h\u00e3y y\u00eau c\u1ea7u b\u00ean ph\u00e1t h\u00e0nh ch\u1ec9nh s\u1eeda v\u00e0 l\u01b0u l\u1ea1i b\u1ea3n \u0111\u00e3 \u0111\u01b0\u1ee3c s\u1eeda. \u0110\u1eebng t\u1ef1 \u00fd ch\u1ec9nh s\u1eeda t\u00e0i li\u1ec7u. H\u00e3y \u0111\u1ecdc k\u1ef9 c\u00e1c quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c khai b\u00e1o s\u1ef1 c\u1ed1 \u00e1p d\u1ee5ng cho h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u00e3 ch\u1ecdn: s\u1ed1 \u0111i\u1ec7n tho\u1ea1i li\u00ean h\u1ec7, c\u00e1c ng\u00f4n ng\u1eef h\u1ed7 tr\u1ee3, c\u00e1c t\u00e0i li\u1ec7u c\u1ea7n thi\u1ebft v\u00e0 tr\u00ecnh t\u1ef1 th\u1ef1c hi\u1ec7n. \u0110\u1eebng \u00e1p d\u1ee5ng quy tr\u00ecnh c\u1ee7a m\u1ed9t g\u00f3i b\u1ea3o hi\u1ec3m n\u00e0y sang g\u00f3i b\u1ea3o hi\u1ec3m kh\u00e1c.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y l\u01b0u tr\u1eef c\u00e1c t\u00e0i li\u1ec7u \u1edf hai n\u01a1i, v\u00ed d\u1ee5 nh\u01b0 tr\u00ean \u0111i\u1ec7n tho\u1ea1i v\u00e0 b\u1ea3n sao l\u01b0u an to\u00e0n tr\u1ef1c tuy\u1ebfn. Ngo\u00e0i gi\u1ea5y ch\u1ee9ng nh\u1eadn b\u1ea3o hi\u1ec3m, h\u00e3y l\u01b0u gi\u1eef \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m (OWU), bi\u00ean lai thanh to\u00e1n v\u00e0 th\u00f4ng tin li\u00ean l\u1ea1c \u0111\u01b0\u1ee3c cung c\u1ea5p cho h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee5 th\u1ec3 n\u00e0y. Ng\u01b0\u1eddi th\u00e2n n\u00ean bi\u1ebft n\u01a1i t\u00ecm s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m trong tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m kh\u00f4ng th\u1ec3 t\u1ef1 m\u00ecnh cung c\u1ea5p th\u00f4ng tin.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u0169ng n\u00ean bi\u1ebft th\u00eam r\u1eb1ng <a href=\"https:\/\/insurancevisa.com\/vi\/huong-dan\/co-so-cua-bao-hiem-y-te-o-ba-lan\/nen-chon-bao-hiem-cong-hay-bao-hiem-tu\/\">s\u1ef1 kh\u00e1c bi\u1ec7t gi\u1eefa b\u1ea3o hi\u1ec3m c\u00f4ng v\u00e0 b\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n<\/a>, \u0111\u1ec3 tr\u00e1nh nh\u1ea7m l\u1eabn gi\u1eefa c\u00e1c h\u00ecnh th\u1ee9c b\u1ea3o hi\u1ec3m kh\u00e1c nhau. H\u00e3y l\u01b0u s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 s\u1ed1 \u0111i\u1ec7n tho\u1ea1i trung t\u00e2m h\u1ed7 tr\u1ee3 v\u00e0o \u0111i\u1ec7n tho\u1ea1i v\u00e0 th\u00f4ng b\u00e1o cho ng\u01b0\u1eddi th\u00e2n c\u1ee7a b\u1ea1n.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"faq\">C\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p<\/h2>\n\n\n\n<div class=\"wp-block-group has-theme-palette-8-background-color has-background\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"czy-istnieje-jedna-najlepsza-polisa\">C\u00f3 t\u1ed3n t\u1ea1i m\u1ed9t lo\u1ea1i h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m n\u00e0o l\u00e0 t\u1ed1t nh\u1ea5t d\u00e0nh cho m\u1ecdi ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng. Vi\u1ec7c l\u1ef1a ch\u1ecdn ph\u1ee5 thu\u1ed9c v\u00e0o m\u1ee5c \u0111\u00edch c\u1ee7a t\u00e0i li\u1ec7u, l\u00e3nh th\u1ed5, kho\u1ea3ng th\u1eddi gian v\u00e0 ph\u1ea1m vi c\u1ea7n thi\u1ebft. N\u1ebfu b\u1ea1n \u0111ang chu\u1ea9n b\u1ecb t\u00e0i li\u1ec7u cho h\u1ed3 s\u01a1 xin c\u01b0 tr\u00fa, h\u00e3y \u0111\u1ecdc th\u00eam, <a href=\"https:\/\/insurancevisa.com\/vi\/huong-dan\/bao-hiem-can-thiet-cho-visa-va-the-cu-tru\/bao-hiem-tu-nhan-co-du-dieu-kien-de-xin-the-cu-tru-khong\/\">B\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n c\u00f3 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 xin th\u1ebb c\u01b0 tr\u00fa kh\u00f4ng?<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-najtansza-oferta-jest-najlepsza\">Li\u1ec7u \u01b0u \u0111\u00e3i r\u1ebb nh\u1ea5t c\u00f3 ph\u1ea3i l\u00e0 l\u1ef1a ch\u1ecdn t\u1ed1t nh\u1ea5t kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng h\u1eb3n v\u1eady. Tr\u01b0\u1edbc ti\u00ean, h\u00e3y x\u00e1c \u0111\u1ecbnh r\u00f5 ph\u1ea1m vi \u0111\u1ecba l\u00fd, th\u1eddi gian, ph\u1ea1m vi \u00e1p d\u1ee5ng, t\u1ed5ng s\u1ed1 ti\u1ec1n, c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb v\u00e0 m\u1edf r\u1ed9ng. Ch\u1ec9 sau \u0111\u00f3 m\u1edbi so s\u00e1nh gi\u00e1 c\u1ee7a c\u00e1c b\u1ea3n t\u00ednh to\u00e1n \u0111\u01b0\u1ee3c l\u1eadp tr\u00ean c\u00f9ng c\u00e1c \u0111i\u1ec1u ki\u1ec7n.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"co-potwierdza-compensa-2026\">\u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0111i\u1ec1u ki\u1ec7n chung (OWU) c\u1ee7a Compensa Cudzoziemiec 2026 quy \u0111\u1ecbnh nh\u1eefng g\u00ec?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00e1c \u0111i\u1ec1u kho\u1ea3n n\u00e0y \u0111\u1ea3m b\u1ea3o b\u1ea3o hi\u1ec3m cho c\u00e1c chi ph\u00ed \u0111i\u1ec1u tr\u1ecb trong tr\u01b0\u1eddng h\u1ee3p m\u1eafc b\u1ec7nh \u0111\u1ed9t ng\u1ed9t ho\u1eb7c g\u1eb7p tai n\u1ea1n. C\u00e1c \u0111i\u1ec1u kho\u1ea3n kh\u00e1c c\u1ea7n \u0111\u01b0\u1ee3c ki\u1ec3m tra trong \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n B\u1ea3o hi\u1ec3m \u0111\u1ea7y \u0111\u1ee7 (OWU) v\u00e0 ch\u1ee9ng ch\u1ec9 c\u1ee7a g\u00f3i b\u1ea3o hi\u1ec3m c\u1ee5 th\u1ec3.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"co-potwierdza-tuz-2026\">T\u00e0i li\u1ec7u TUZ n\u0103m 2026 x\u00e1c nh\u1eadn \u0111i\u1ec1u g\u00ec?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ch\u1ee9ng nh\u1eadn chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i \u0111ang c\u01b0 tr\u00fa t\u1ea1i Ba Lan, ng\u01b0\u1eddi n\u00e0y ph\u1ea3i \u0111\u01b0\u1ee3c \u0111i\u1ec1u tr\u1ecb ngay l\u1eadp t\u1ee9c do m\u1eafc b\u1ec7nh \u0111\u1ed9t ng\u1ed9t ho\u1eb7c g\u1eb7p tai n\u1ea1n b\u1ea5t ng\u1edd x\u1ea3y ra trong th\u1eddi gian \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"czy-nnw-i-oc-sa-w-zakresie-podstawowym\">B\u1ea3o hi\u1ec3m tai n\u1ea1n (NNW) v\u00e0 b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 (OC) c\u00f3 lu\u00f4n n\u1eb1m trong ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u01a1 b\u1ea3n c\u1ee7a TUZ kh\u00f4ng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kh\u00f4ng. Trong \u0110i\u1ec1u kho\u1ea3n B\u1ea3o hi\u1ec3m Chung (OWU) \u0111\u00e3 \u0111\u01b0\u1ee3c th\u00f4ng qua, c\u00e1c \u0111i\u1ec1u kho\u1ea3n n\u00e0y \u0111\u01b0\u1ee3c li\u1ec7t k\u00ea l\u00e0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n b\u1ed5 sung, c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng theo y\u00eau c\u1ea7u v\u00e0 ph\u1ea3i tr\u1ea3 th\u00eam ph\u00ed b\u1ea3o hi\u1ec3m. Vi\u1ec7c \u00e1p d\u1ee5ng c\u00e1c \u0111i\u1ec1u kho\u1ea3n n\u00e0y ph\u1ea3i \u0111\u01b0\u1ee3c x\u00e1c nh\u1eadn tr\u00ean h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"co-zrobic-gdy-brakuje-parametru\">Ph\u1ea3i l\u00e0m g\u00ec khi thi\u1ebfu m\u1ed9t th\u00f4ng s\u1ed1 quan tr\u1ecdng?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">H\u00e3y \u0111\u00e1nh d\u1ea5u m\u1ee5c n\u00e0y l\u00e0 \u201ec\u1ea7n x\u00e1c nh\u1eadn\u201d v\u00e0 y\u00eau c\u1ea7u th\u00f4ng tin r\u00f5 r\u00e0ng tr\u01b0\u1edbc khi mua. Vi\u1ec7c thi\u1ebfu th\u00f4ng tin kh\u00f4ng ch\u1ee9ng minh \u0111\u01b0\u1ee3c s\u1ef1 t\u1ed3n t\u1ea1i hay s\u1ef1 v\u1eafng m\u1eb7t c\u1ee7a bi\u1ec7n ph\u00e1p b\u1ea3o v\u1ec7.<\/p>\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"wybierz-polise\">Ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc khi mua, h\u00e3y ki\u1ec3m tra m\u1ee5c \u0111\u00edch c\u1ee7a t\u00e0i li\u1ec7u, ph\u1ea1m vi l\u00e3nh th\u1ed5, ng\u00e0y th\u00e1ng, ph\u1ea1m vi b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c th\u00f4ng tin tr\u00ean ch\u1ee9ng ch\u1ec9. Sau \u0111\u00f3, h\u00e3y ch\u1ecdn g\u00f3i d\u1ecbch v\u1ee5 ph\u00f9 h\u1ee3p v\u1edbi danh s\u00e1ch c\u00e1c y\u00eau c\u1ea7u n\u00e0y.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/polisarium.pl\/koszty-leczenia-cudzoziemca-klc\" target=\"_blank\" rel=\"noopener noreferrer\">MUA TR\u1ef0C TUY\u1ebeN<\/a><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>T\u00ecm hi\u1ec3u c\u00e1ch ch\u1ecdn b\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i: so s\u00e1nh m\u1ee5c \u0111\u00edch c\u1ee7a h\u1ee3p \u0111\u1ed3ng, ph\u1ea1m vi \u00e1p d\u1ee5ng, th\u1eddi h\u1ea1n, ph\u1ea1m vi b\u1ea3o hi\u1ec3m, c\u00e1c \u0111i\u1ec1u kho\u1ea3n m\u1edf r\u1ed9ng, \u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0110i\u1ec1u ki\u1ec7n chung (OWU) v\u00e0 gi\u1ea5y ch\u1ee9ng nh\u1eadn.<\/p>","protected":false},"author":1,"featured_media":3803,"comment_status":"closed","ping_status":"closed","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":[40],"tags":[62,61,63,59,60],"class_list":["post-3804","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ubezpieczenie-prywatne-dla-cudzoziemcow","tag-certyfikat-ubezpieczenia","tag-koszty-leczenia-cudzoziemcow","tag-owu","tag-prywatne-ubezpieczenie","tag-ubezpieczenie-cudzoziemca"],"acf":[],"yoast_head":"<!-- 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